For your info to part i) there are singapore based smaller
insurance companies that practised that. That is why not a lot of
insurance agents wanna work for them. In contrast those popular
bigger like A*A, Prud***** etc has a lot of agents cuz their
commission structure are better to agent.
As for part ii) AFAIK only when they resign then can do a
reassignment? For some smaller companies there is a form called
reassignment which allow the customer to switch agent.
In general companies that has a lot of agents selling policies for
them only spell one simple truth, the commission structure are very
attractive. Get used to the working world. No good money who wanna
work for employer rite? 
