And I made a decision based on what the agent said, I am not sure where "dishonesty" fits. If he told me I had to put my kid on the policy, I would have.

I hope you used proper definitions of terms like fraud with your JAG clients. They deserved as much.

Fraud: wrongful or criminal deception intended to result in financial or personal gain.

In my situation, that definition did not apply on my part, or that of the agent.