do you believe your insurance agent?

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hey guy, i experience to have 2 bad insurance agent that try to cheat my money. 1 is my dad insurance money, where my dad pay her insurance premium every month but she did not give it to the insurance company. and the story goooooooo.... for long and not able to get the money back 2 is my mom insurance money, where is happen to be the same issue and i can tell you that this agent manager is very lousy guy and it took sooo long tooo before able to get the money back. now this is the 3rd one, my dad new insurance agent but it does really happen to be honest and now i get some issue that 1 premium i did pay but she say is the before and not that month, then she say her will check it again.will let me know tommorrow what lesson i get from not 1 but 3 time? alway paid the insurance premium yourself if by cash and never trust them if involve money.