I have posted where I had an agent trying to replace one of my policies. The applicant was a female smoker with DE. The others agent came by and wrote an American Eagle policy and I knew that wouldn't work because Americo won't take DE. I wrote Transamerica and submitted the application a month ago. The applicant just qualified for SS and was not sure when funds would be deposited on the DE card so Transamerica was waiting to issue when I confirmed the deposit date. I recommended that she open a checking account locally. In the meantime this agent shows up again and the applicant tells him she is buying Transamerica from me. She called me and told me she had opened a checking account at Regions and wanted me to come by. When I get there earlier today she had received what she thought was the policy that I wrote in the mail. Come to find out the other agent submitted an application to Transamera and put the 4th for withdrawal date from the DE card. The lady says she didn't sign a Transamerica app, but who knows. He had all of her info from the Americo app so he may have done it. Well now I get a check for initial premium and the lady wanted me to help return the policy the other agent wrote. The premium won't be paid because all of her money goes to Regions now. Did I do anything wrong? Should I cancel my Transamerica application and write her with another carrier? I was the first agent to stop by so I feel like the other agent should not have written her with Transamerica. If I have a lead who bought the same thing that I have available I walk.