Do you actually know where you are buying your insurance from? Insurance, like other industries, has lots of layers and if we are being honest, does it really matter? If at the point you buy something(point of sale) as long as you feel your needs are met and the pricing is fair for you, what should it matter who gets "a cut," of that money.
On the other hand, there is often a lot of unseen value there. There are people who, while helping you buy, just "feel" more valuable than others. This isn't to say the 1-800 number is bad, because I do not think it is. What it is saying is if there is an honesty component that seems to be lacking. This isn't a "buyer beware," type scenario. Instead, I think your bank should be as honest as your broker. If your bank has an insurance page, do they also have a human being in the branch, or have they outsourced this function. In my opinion, that matters. It matters that if they are saying insurance is available via the bank that they are honest about how it works.
Is your bank being honest about it? Your broker is.