Hi fellow insurance agents, i have little favor to ask,

My bquestion might affect your business but i do wish you can be as honest as possible, as be a responsible a trustworthy agent.

Tell me
1) What kind of condition and situation that i DON'T require insurance?

2) Telling me which company you are representing, and tell me why I SHOULDN'T choose your company.

I only think an agent is knowledgable and responsible if he know his own company weaknesses.