Replacing Policy with Agent Confrontation

Have or would you confront a dishonest agent?

Here's the back story. I wrote a replacement on a lady who had just taken out an Old American policy six weeks prior. This lady is 79, lives with her two 50 something sons, in a cluttered hoarding house with only paths to walk through the house wading through five foot tall stacks of general crap. Did I mention they are all backwoods mentally challenged in some way? No, now I have. Anyway, after reading through her OA policy it was clear the agent can not field underwrite or clean sheeted the app on purpose. The client applied for 12K lev
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