huh, I don't quite agree with your agent though. isnt it a bit similar with life insurance? that we are young and unlikely to pass away, does that mean it's unnecessary?
end of the day, insurance is very subjective and up to individual tolerance of risk. if you prefer to have some financial security for when things goes south (however do note that maternity covers only limited situations), then I'll say go for it.
as for companies, I think plans now are generally quite competitive (each with have one strong point against competitors but I don't think there is a clearcut winner in terms of coverage/benefits), maybe it's more impt to find a good agent that you are comfortable with.
lee yanting