The reason why you don't need agents for these forms of publishing is that you can submit the work directly to publishers without an agent to represent you. (readersfavorite.com)
For high - risk life insurance cases, you will need an agent who knows which companies will approve your situation at the best rates. (lifeinsuranceblog.net)
Unless authors need agents for managing movie and international rights, I think many agents will find themselves out of work in this new era. (courtneymilan.com)