Yeah but the penalty is at worst a fine and revocation of license and not jail time. Plus, it is done all the time since it is almost impossible to prove it was done just for the sake of making a new first year commission.. Read the GA replacement form.. It is essentially teh same as TNs. One the client signs it acknowledging they are aware of the possible consequences of the replacement, the agent is pretty well off the hook.Yes sir! You can't just replace a clients life insurance policy just because you leave one job and go to another for the sake of commission. That is illegal in the State of Georgia.