I found the same, especially when you're into umbrella policies. The stage in life where they make sense easily coincides with appreciating the help and legwork they do for you.

The independent guys should be like a financial advisor in that they should be asking you questions about the whole picture. Does an umbrella policy make sense? What are your goals - cheapest or best coverage for your family, etc. They'll be sales-y, but thats expected... just without pressure.