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Some time back this was my experience. I was knockiing out approx 6-10 of my previous co.'s policies, for weeks in a row. They sent a lawyer and co. exec down to my state to "get me.' so my previous friends told me. They went back to the home office and I kept going. Waited and waited for that letter from DOI. Never has arrived. That was life insurance, if it matters, I don't know. Few policyowners told me about it too.