Mr. Bowen was my supervisor who trained me at Toby Bowen Insurance. As agreed, any product that was sold to my family was 100% mine. I sold two annuities to my grandmother, and 1 annuity and life insurance policy to my mother. I have only received a small percentage of the first annuity that I sold to my grandmother. He also lied about how much the commissions paid out. He said that they paid out 4% when they actually paid 8%. Total estimated commissions that are owed to me are a little over $10,000. I no longer work for Mr. Bowen and any attempts to collect on my commissions is not answered. He told me that he will give me $1000 to "just go away". In the meantime he is riding on my money buying be ticket items such as a car and flat screen tv. My family and I are very uspet about this whole thing. The only reason why they did business with Toby Bowen was so I could benefit financially. Toby Bowen is a professional con man who wholeheartedly believes his own lies. He can not be trusted. He should not be allowed to sell insurance in the state of Texas.