The agent may have not have delivered the policy. That is a problem for the company. A new agent will help you a lot there. Term4sale is a great unbiased site that does not sell insurance. However, I do not believe it has ROP term as an option. Look for an agent that understands the different options with in ROP. Cincinnati Life is going to be hard to beat with their reduced paid up option..
Lee
Just think.. the 10 Day, 20 Day, 30 Day (depending on jurisdiction) is still running if a policy was never received.. Buy from new agent and request a 100% refund of all premiums paid from FGLife..