Quoted from flynnibus:
I wasn't inferring that - only that the agent isn't the actual decision maker, he's the sales agent. Good intentioned or not, 'my agent said it was covered' will not change an outcome if the underwriters rule against you.
Adding to this - if you're using an independent agent, they're the sales person for multiple companies. I can all but guarantee that they don't know each and every product inside out like you'd hope they do.