I have got this on the internet would be useful to all -

Direct agents
1- They are the first point of contact with a company.
2- They represent the company and sell what it has to offer.
3- They are not equipped to compare policy plans across insurers.
4- Go to them for an evaluation of your insurance needs.

Corporate agents
1-They sell in bulk, so you can buy a group plan from them.
2-They can offer a marginally better premium rate than the direct agent.

Banks
1-Banks offer low-value insurance, which mostly includes co-branded products.
2-A good value proposition as an add-on to existing policy.

Brokers
1-They act on your behalf after analysing your needs.
2-They can get you the best policy at the best price across insurers.
3-They work on commission but offer good advice.
4-They offer the best value proposition.