Insurance broker found himself in dire straits after some mishandled paperwork resulted in negative consequences for an elderly client, who subsequently passed away. The Department of Insurance initially interpreted the broker’s actions as intentional and fraudulent. Through persistence, critical corroborating witnesses and evidence, attorney Justin D. Hein was able to convince the Department otherwise. Furthermore, through excellent evidence of rehabilitation, mitigation, and character, Mr. Hein was able to demonstrate that the appropriate discipline need not be at the level of severity initial sought by the Department.