Once your agent MIA (most probably terminated/not continuing with contract), your policy will be taken care by the Manager/Leader of your agent. So anything related with your policy will need to liaise with them even you did not appoint them. Even the commission also will go to them.

You can easily change to new agent by simply sending a letter to the insurance company. However, finding agent who want to be your new agent is another challenge as not many agent want to accept because they will not earn anything from your policy. Only if you take new policy with the new agent then they will earn commission. If u cancel old policy & take new 1  with new agent (same company) also new agent won’t earn any commission

That’s why when to change agent, new agent is hard to find & old agent will find ways to make sure u keep ur policy witth them
Thus finding the right agent to sign up with is very important