but standalone medical card is not guarantee renewal.
and, even direct to company, they r not likely to deduct the agent's commission to give u cheaper premium compare to what agent quoted u for the same thing.
3rdly, im not sure which product that direct company able to sell to u but so far i encounter, when coming to purchase a product, most of the customer service will ask u to liase with agent.
they will not sell direct to u.

please correct me if im wrong.

Mind to share?

Good. Me also wanna know.

True LA but then even if they dun wan renew the customer policy, they are not at default. T&C already written-so as company has right to not-to renew policy though.

But even customer got kicked out, there will be no report on this also.