We think that the greatest value an insurance agent can provide is knowledge and making sure that a client or potential client understands what their policy covers. Too many insurance agents only care about price - how cheap is their policy compared to the next guy/gal - but we don't think like that. In fact, we have politely declined to get involved in situations where the sole focus is how cheap the policy is. Because to make things cheaper you have to remove or reduce coverage, and when you start slashing coverage you undermine the whole purpose of why you need the insurance policy in the first place.