well, having an agent to service you isnt that bad after all.
If you have an agent, whenever you had doubt or any new concerns, what you need is just to make a call to your agent and things will be solved soon.
But if you want to avoid cost and do everything yourself, ultimately, you will have to do everything yourself. Paperwork, claiming, planning and etc.
Do you want to spend your precious time handling it yourself, or spend the precious time with your kids instead?
After all, agents are professionals that knows what and how to protect individual. If you want to do-it-yourself, there might be a chance that you will overlook certain issues and concern. Who is going to explain all the clauses and writings?
So paying the agent a little commission, using money to buy time. Isn't that a bigger deal?