Had a 4 yr old client . I noticed he surrendered his policy . Knew it was fishey . Put him on route today and knocked him . A Lady replaced my whole life with a IUL . More coverage but terrible guarantees . This guy so uneducated its scary . Anyway he wanted guarantees so i replaced it . The lady never filled out replacement papers and checked no to replacement . She filled out the surrender letter he said . Jd would you make a complaint to the state for not filling replacement forms out ?Would you call the company she wrote and complain she never filled out replacement ?