What type of insurance do you not need to buy from an insurance agent?

You typically don't need to buy term life insurance from an insurance agent, as many companies offer it directly online, often at lower rates. Additionally, basic auto insurance can sometimes be purchased directly from insurers without needing an agent. Some health insurance plans, especially those available through government exchanges, can also be obtained without an agent. However, it's essential to assess your specific needs and circumstances before forgoing professional advice.