I have a general question that maybe some others can help me out with. To make a long story short, I received a department of insurance complaint in February 2012 because a client that I had moved some money from Bankers Life to a new company, this client did incure some surrender charges however was well aware of them and even signed his statement where the surrender charges showed, almost 4 months later after delivering the policy the client becomes irate and states he new nothing about the charges and also during this time one of the policy documents was altered to show a deposit of the amount without the surrender charge and wanted his entire amount back including the surrender charge which obviously the new company did not have. I responded to the complaint in March of 2012 and sent my documentation to the home office that I was captive with at the time and never heard anything back until January of 2013 when I received an email from the DOI wanting to ask some additional questions which I had met with them and answered what I could. As of today I still have not heard anything back and curious if anyone has went through a department of insurance complaint and how they work...