[husker boxster]

Sounds like your agent was playing by his own rules, but that's not your fault. Most states have an Ombudsman that can possibly work for you on this. Also, you might want to contact your state's Insurance Commissioner and see if they can provide any assistance.

It may wise get copies of anything you submitted as your "documentation". Don't leave everything with your agent, as they may suddenly disappear. As hard as it may be to do, be patient and understand this may take a while to adjudicate.