Absolutely Right. This however depends on the agent in question. Further, even if you get advice from an independent financial consultant, he is not going to do his work for free and you have to go back to the agent to give him his commission!
I am an agent myself and can only say that while the commission is handy, being professional is more important. What is important is arriving at a figure for the cover needed and matching it with the money available. So if you have a professional agent who is trained well and knows his job, you have nothing to fear. Incidentally, there are definite guidelines on the limits to insurance cover for housewives and others without dependants.
