Non Appointed Chargeback

Insurance agent 1 splits and advances commissions to Non Appointed Insurance agent 2-Me for writing the business.

Client stops paying on policy because Insurance Agent 2-Me gets client into a better product with my own appointed carrier. Insurance agent 1 screams Churn.

I declare acting in best interest for client trumps product everyday.

Insurance agent 1 wants repayment and threatens legal collection efforts.

Does Insurance agent #1 have a valid debt to collect on in the state of Texas for inherently having me bird dog the deal or was the split illegal in the first place?
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