There are agents who are offering insurance and investment products of their principal companies to earn commissions. Their loyalty to you and competency to judge your needs always remains in doubt. If you buy directly from them, it’s like going to a chemist shop to purchase medicines without first consulting your doctor.
A one-fit-for-all product pushed by a financial company, if you go for it, may or may not genuinely fulfil your need for which you buy it. Your specific need may be requiring a specific product selected from amongst the large number of products of so many companies. Actually you require pulling from the financial market those insurance and investment products that are most suitable to fulfill your life needs.