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Archive of insurance enforcement actions for 2000


Archive of insurance enforcement actions from 2000

From: 1/1/2000   To: 12/31/2000

INSURANCE 
ROGER MCQUAID  Lic# IN36667  
 
Against: Insurance Agent  Location: OAKDALE, MN 
Ac tion: Order Amended     
Signed: 1/10/2000  
File # IN 9901444 PEG  
Allegation:  
Amends Statement of Charges/Order for Hearing signed 11/8/1999. Allege Resp replaced an annuity with one that was not suitable for the client's situation.  
  
NANCY GILGER  Lic# IN011255  
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Suspension/Consent     Begin: 1/15/2000 End: 7/15/2001 
Signed: 1/18/2000  
File # IN 9705004 MSL  
Allegation:  
Allege Resp falsified production records to defraud her employer of commissions. Following the suspension, Resp's license is subject to restrictions regarding supervision within an agency, and handling of insurance funds for a period of 18 months.  
  
UNITED WISCONSIN INSURANCE COMPANY  Naic# 29157  
 
Against: Insurance Company  Location: MILWAUKEE, WI 
AMER MEDICAL SECURITY INC  Lic# IA0017464  
 
Against: Insurance Agency  Location: GREEN BAY, WI 
UNITED WISCONSIN INSURANCE COMPANY  Naic# 97179  
 
Against: Insurance Company  Location: GREEN BAY, WI 
Action: Other/Consent     
Signed: 1/24/2000  $395000 Fine 
File # IN 9605063 MSL  
Allegation:  
Resps issued unfiled/unapproved policy forms, unapproved health ins rates, improperly imposed 3 month elimination period to policyholders, failed to cooperate with Dept. Terms include audit of requests for reimbursement from health care providers.  
  
YVONNE REINHOLD  Lic# IN48462  
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Suspension/Consent     Begin: 1/31/2000 End: 1/31/2001 
Signed: 1/31/2000  
File # IN 9800189 MSL  
Allegation:  
Allege Resp falsified documents to show that she had sold policies to persons, when in fact the persons had made no purchase, improperly withheld commissions paid on the fraudulent policies. Conditions following suspension are outlined in the order.  
  
LEONARD CARLSON  Lic# IN5548  
 
Against: Insurance Agent  Location: MONTICELLO, MN 
Action: Censure/Consent     
Signed: 1/31/2000  $1000 Fine 
File # IN 9903955 GAW  
Allegation:  
Resp sold an annuity contract without the authorization of the insurer, and misrepresented the identity of the selling agent to the insurer.  
  
RAM MUTUAL INSURANCE COMPANY  Naic# 16330  
 
Against: Insurance Company  Location: ESKO, MN 
Action: Other/Consent     
Signed: 1/31/2000  $500 Fine 
File # IN 9907078 SMK  
Allegation:  
Resp issued a claim denial based on policy language that was not applicable to the facts of the claim.  
  
THO LE  Lic# IN0142446  
 
Against: Insurance Agent  Location: BURNSVILLE, MN 
Action: Other/Consent     
Signed: 1/31/2000  
File # IN 9907239 LMD  
Allegation:  
Resp pleaded guilty to felony theft thereby subjecting his insurance agent license to administrative sanction. License is surrendered and terminated effective the date of this order. Shall not re-apply for an ins agent license for minimum of one year  
  
BUDE FONDURULIA  Lic# IN006446  
 
Against: Insurance Agent  Location: ISLE, MN 
Action: Other/Consent     
Signed: 1/31/2000  
File # IN 9908205 LJ  
Allegation:  
Resp issued a restrictive insurance agent license upon conditions regarding handling of funds payable to agency or insurer. Resp must maintain a $20,000 surety bond, and be employed under direct supervision of a managing agent.  
  
NICOLE GARDNER  Lic#
SA865119  
 
Against: Security Agent  Location: , 
Action: Revocation/Consent     Begin: 1/31/2000 End: Indefinite 
Signed: 1/31/2000  
File # IN 9908838 SMK  
Allegation:  
Resp was convicted of a felony and failed to notify the Department of the conviction within the time required by law.  
  
NICOLE GARDNER  Lic# IN0118284  
 
Against: Insurance Agent  Location: LAKELAND, MN 
Action: Revocation/Consent     Begin: 1/31/2000 End: Indefinite 
Signed: 1/31/2000  
File # IN 9908838 SMK  
Allegation:  
Resp was convicted of a felony and failed to notify the Department of the conviction within the time required by law.  
  
JEANETTE REIERSON  Lic# IN7154  
 
Against: Insurance Agent  Location: NEWFOLDEN, MN 
Action: Revocation/Consent     Begin: 10/30/1999 End: Indefinite 
Signed: 2/11/2000  
File # IN 9903298 GAW  
Allegation:  
Resp inappropriately traced over several insurance customers' signatures on insurance applications submitted to her employer; failed to promptly deliver an insurance policy to a customer; provided incomplete replies to Dept regarding her activities.  
  
TODD CARLSON  Lic# IN0128853  
 
Against: Insurance Agent  Location: WATERTOWN, MN 
Action: Suspension/Consent     Begin: 10/23/1999 End: 10/30/1999 
Signed: 2/11/2000  
File # IN 9903955 GAW  
Allegation:  
Resp improperly allowed the sale of an annuity contract utilizing his name as the selling agent without the authorization of the insurer, thereby misrepresenting the identity of the selling agent to the insurer. License suspended retroactively.  
  
BRYAN REMELS  Lic# IN0159570  
 
Against: Insurance Agent  Location: CANTON, IL 
Action: Revocation/Consent     Begin: 2/11/2000 End: Indefinite 
Signed: 2/11/2000  
File # IN 9906916 SMK  
Allegation:  
Resp failed to notify the Department of a criminal conviction or change of address, and failed to respond to requests for information from the Department.  
  
ST. PAUL FIRE AND MARINE INSURANCE COMPANY  Naic# 24767  
 
Against: Insurance Company  Location: ST PAUL, MN 
Action: Cease & Desist/Consent     
Signed: 2/11/2000  $1000 Fine 
File # IN 9906975 SMK  
Allegation:  
Resp failed to respond to claimant's correspondence regarding a claim; denied PIP claim without the use of an IME/administrative review by a qualified medical reviewer.  
  
PAUL MELBY  Lic# IN2202  
 
Against: Insurance Agent  Location: MENDOTA HEIGHTS, MN 
Ac tion: Revocation/Consent     Begin: 2/16/2000 End: Indefinite 
Signed: 2/16/2000  
File # IN 9903156 GAW  
Allegation:  
Resp provided the Dept with incomplete replies to requests for information and documentation of his activities, and improperly obtained unregistered security loans, proving himself to be financially irresponsible.  
  
TIG PREMIER INSURANCE COMPANY  Naic# 25518  
 
Against: Insurance Company  L ocat ion: IRVING, TX 
Action: Other/Consent     
Signed: 2/28/2000  $15000 Fine 
File # IN 9906150 UMB  
Allegation:  
Resp failed to properly cancel personal auto policies and issue refunds to insureds; failed to properly appoint and supervise agents.  
  
WAYNE BRIGGS  Lic# IN44612  
 
Against: Insurance Agent  Location: EDINA, MN 
Action: Revocation/Consent     Begin: 2/29/2000 End: Indefinite 
Signed: 2/29/2000  
File # IN 9906530 CLN  
Allegation:  
Resp improperly withheld, misappropriated or converted money belonging to a policyholder by failing to remit premiums received from an insured to the insurer.  
  
MHI AGCY INC  Lic# IA0163764 
d/b/a MINNESOTA HOSPITALITY INS 
Against: Insurance Agency  Location: ST MICHAEL, MN 
Action: Revocation/Consent     Begin: 2/29/2000 End: Indefinite 
Signed: 2/29/2000  
File # IN 9906530 CLN  
Allegation:  
Resp improperly withheld, misappropriated or converted money belonging to a policyholder by failing to remit premiums received from an insured to the insurer.  
  
W D HOLDING CO INC  Lic#
IA0163757 
d/b/a INS BROKERS AMER 
Against: Insurance Agency  Location: ST MICHAEL, MN 
Action: Revocation/Consent     Begin: 2/29/2000 End: Indefinite 
Signed: 2/29/2000  
File # IN 9906530 CLN  
Allegation:  
Resp improperly withheld, misappropriated or converted money belonging to a policyholder by failing to remit premiums received from an insured to the insurer.  
  
UNION SECURITY INSURANCE COMPANY  Naic# 70408  
 
Against: Insurance Company  Location: KANSAS CITY, MO 
Action: Other/Consent     
Signed: 3/5/2000  $500 Fine 
File # IN 9907456 PEG  
Allegation:  
Resp failed to promptly re-process an insured's claim and failed to adopt and implement reasonable standards for a prompt investigation.  
  
PRINCIPAL LIFE INSURANCE COMPANY  Naic# 61271  
 
Against: Insurance Company  Location: DES MOINES, IA 
Action: Record Only     
Signed: 3/6/2000  
File # IN 2004717 GAL  
Allegation:  
Order of Denial of Medicare Supplement Rate Increase involving two Policy Analysis rate filings.  
  
MN AUTO ASSIGNED CLAIMS BUREAU  Lic# UC0205849  
 
Against: Unlicensed Company  Location: OSSEO, MN 
Action: Other     
Signed: 3/7/2000  
File # IN 2000485 PJG  
Allegation:  
Petitioner appeal of denial of benefits by Respondent. Issue to be determined is whether the Petitioner was the owner of one or more uninsured motor vehicles at the time of the accident.  
  
WILLIAM GORDON  Lic# IN011596  
 
Against: Insurance Agent  Location: BURNSVILLE, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 3/11/2000  
File # IN 9806054 GLP  
Allegation:  
Allege Resp misappropriated monies, failed to forward premiums received from clients to the insurer and failed to respond to requests for information from the Dept.  
  
KENNETH OLSON  Lic# IN5456  
 
Against: Insurance Agent  Location: CARLTON, MN 
Action: Revocation/Consent     Begin: 3/14/2000 End: Indefinite 
Signed: 3/14/2000  
File # IN 2000174 CLN  
Allegation:  
Resp created counterfeit automobile insurance documents including policy and identification cards and provided these documents to applicants for insurance coverage.  
  
BNC NATIONAL BANK MINNESOTA  Lic# UC0273679  
 
Against: Unlicensed Company  Location: MPLS, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 3/16/2000  
File # IN 9905226 GAL  
Allegation:  
Resp issued an irrevocable letter of credit to be used as security in conjunction with an application to self-insure for workers compensation; letter of credit contained an expiration date which is in violation of the statute.  
  
DAVE STREGE  Lic# AJ0157085  
 
Against: Adjuster  Location: MAHTOMEDI, MN 
Action: Revocation/Consent     Begin: 3/20/2000 End: Indefinite 
Signed: 3/20/2000  
File # IN 2001685 MSL  
Allegation:  
Resp engaged in conduct that would disqualify him from holding an adjuster license.  
  
OBDULIO CERCENO  Lic#
IN0053416  
 
Against: Insurance Agent  Location: ROSEVILLE, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 3/20/2000  
File # IN 9903991 PJG  
Allegation:  
Allege Resp failed to submit 30 applications for homeowners insurance to insurer; failed to submit four premium payments to insurer; failed to respond to Dept requests for information; and failed to appear as ordered by the Dept.  
  
JAMES JORDAN  Lic# IN3229  
 
Against: Insurance Agent  Location: EDEN PRAIRIE, MN 
Action: Other/Hearing     
Signed: 3/27/2000  
File # IN 9801087 GAW  
Allegation:  
Resp utilized adv/mkting material which misrepresented the liquidity of an ins. policy; failed to identify the policy being sold as life ins.; failed to disclose sources of statistical info.; failed to include required explanation of "tax-free" claim  
  
USAA CASUALTY INSURANCE COMPANY  Naic# 25968  
 
Against: Insurance Company  Location: SAN ANTONIO, TX 
Action: Other/Consent     
Signed: 3/27/2000  $1000 Fine 
File # IN 9907422 MBF  
Allegation:  
Resp repeatedly failed to provide required documents and information to the Dept. Additional $2000 penalty is stayed on condition that Resp provide all currently requested documentation and information, and any requested in the future.  
  
AGCY ONE INS INC  Lic# IA0092934  
 
Against: Insurance Agency  Location: SHAKOPEE, MN 
Action: Censure/Consent     
Signed: 4/3/2000  
File # IN 9906611 GAW  
Allegation:  
Resp allowed its agent to improperly withhold policyholder money; failed to provide monthly statements to the customer concerning holding of these funds; and failed to maintain mandatory financial records.  
  
JAMES MENDEN  Lic# IN75398  
 
Against: Insurance Agent  Location: SHAKOPEE, MN 
Action: Suspension/Consent     
Signed: 4/3/2000  $500 Fine 
File # IN 9906611 GAW  
Allegation:  
Resp improperly withheld policyholder money; failed to provide monthly statements to the customer concerning the holding of those funds; and failed to maintain mandatory financial records.  
  
COML ASSOC INC  Lic# IA229  
 
Against: Insurance Agency  Location: BURNSVILLE, MN 
Action: Censure/Consent     
Signed: 4/3/2000  
File # IN 9906646 MBF  
Allegation:  
Resp did not properly maintain its client's account with regard to client's funds; allowed unnecessary delays in the processing of client's funds.  
  
GERALD CRANDALL  Lic# IN27671  
 
Against: Insurance Agent  Location: CHANHASSEN, MN 
Action: Censure/Consent     
Signed: 4/3/2000  $500 Fine 
File # IN 9906646 MBF  
Allegation:  
Resp improperly supervised an agent in his employ, failed to ensure refunds were remitted promptly, and failed to properly maintain client's account records.  
  
JEFFREY HALLING  Lic# IN0009861  
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Revocation/Consent     Begin: 10/31/1998 End: Indefinite 
Signed: 4/8/2000  
File # IN 9807869 SGC  
Allegation:  
Resp plead guilty to felony theft in Hennepin County District Court and was sentenced on 12/3/1999. Per statute, these admitted acts constitute grounds for revocation of Resp's insurance license.  
  
CURTIS FENTON  Lic#
IN59524  
 
Against: Insurance Agent  Location: HOPKINS, MN 
Action: Suspension/Consent     Begin: 5/1/2000 End: 5/29/2000 
Signed: 4/8/2000  
File # IN 9904580 PEG  
Allegation:  
Resp sold life insurance policies to a client that were unsuitable for client's situation.  
  
ROGER MCQUAID  Lic# IN36667  
 
Against: Insurance Agent  Location: OAKDALE, MN 
Action: Order Vacated     
Signed: 4/14/2000  
File # IN 9901444 PEG  
Allegation:  
Order to Vacate Notice of Hearing, Notice of Pretrial Conference and Statement of Charges issued Nov. 9, 1999 and amended order issued Jan. 10, 2000.  
  
LOIS MARSTON  Lic# IN45690  
 
Against: Insurance Agent  Location: MT LAKE, MN 
Action: Suspension/Consent     Begin: 5/15/2000 End: 5/29/2000 
Signed: 4/18/2000  
File # IN 9905637 PEG  
Allegation:  
Resp failed to respond to the Department's request for information.  
  
CONNECTICUT GENERAL LIFE INSURANCE COMPANY  Lic# 62308  
 
Against:  Location: PHILADELPHIA, PA 
Action: Cease & Desist/Consent     
Signed: 4/18/2000  $2500 Fine 
File # IN 9908403 SMK  
Allegation:  
Resp failed to have policy forms approved by the Department prior to use in MN, failed to cancel policy for insured withi time requested, continued to collect premium then failed to refund premium with the time required.  
  
TIFFANY MARTIN  Lic# IN0214887  
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Other/Consent     
Signed: 4/21/2000  
File # IN 2001875 CLN  
Allegation:  
Commissioner was prepared to deny insurance agent license to Resp because of a criminal record. A conditional license was issued, restricting agent's activities, including the handling of funds.  
  
JAMES SPILLMAN  Lic# IN0165008  
 
Against: Insurance Agent  Location: EAGAN, MN 
Action: Revocation/Consent     Begin: 4/25/2000 End: Indefinite 
Signed: 4/25/2000  
File # IN 2001056 MBF  
Allegation:  
Resp was convicted of a felony; has engaged in dishonest acts; misappropriated money belonging to another; and failed to inform the Department of his felony conviction within 10 working days of the conviction.  
  
BNC NATIONAL BANK MINNESOTA  Lic# UC0273679  
 
Against : Unlicensed Company  Location: MPLS, MN 
Action: Order Amended     
Signed: 4/26/2000  
File # IN 9905226 GAL  
Allegation:  
Amends SOC issued on 3/16/2000. Resp issued an irrevocable letter of credit to be used as security in conjunction with an application to self-insure for workers compensation; letter of credit contained an expiration date in violation of the statute.  
  
PRINCIPAL LIFE INSURANCE COMPANY  Naic# 61271  
 
Against: Insurance Company  Location: DES MOINES, IA 
Action: Order for Hrg/Statement of Charges     
Signed: 5/1/2000  
File # IN 2003153 MSL  
Allegation:  
Hearing regarding the Commissioner's Order of Disapproval for Medicare Supplement policy premium rate increase issued 3/6/2000.  
  
WILLIAM OSTROM  Lic# IN33674  
 
Against: Insurance Agent  Location: FARIBAULT, MN 
Action: Revocation/Consent     Begin: 3/14/2000 End: Indefinite 
Signed: 5/5/2000  
File # IN 2001580 SMK  
Allegation:  
Resp engaged in untrustworthy, dishonest and financially irresponsible acts, improperly withheld and misappropriated money belonging to others, and failed to provide Dept with requested information.  
  
INFINITY INSURANCE COMPANY  Naic# 22268  
 
Against: Insurance Company  Location: BIRMINGHAM, AL 
Action: Order for Hrg/Statement of Charges     
Signed: 5/9/2000  
File # IN 9906042 MBF  
Allegation:  
Allege Resp failed to conduct a proper and timely investigation before denying a claim, and improperly cancelled an automobile insurance policy.  
  
ED WARD NOBLE  Lic# IN1190  
 
Against: Insurance Agent  Loc ation: EXCELSIOR, MN 
Action: Suspension/Consent     Begin: 5/29/2000 End: 6/12/2000 
Signed: 5/16/2000  $500 Fine 
File # IN 2000840 MBF  
Allegation:  
Resp failed to respond to Department's requests for information, then provided incomplete and misleading information to the Department.  
  
WORLD INSURANCE COMPANY  Naic# 70629  
 
Against: Insurance Company  Location: OMAHA, NE 
Action: Cease & Desist/Consent     
Signed: 5/16/2000  $2500 Fine 
File # IN 2002167 SMK  
Allegation:  
Resp, as a company underwriting policy, denied health insurance coverage for persons of a specific occupation without establishing supporting data, actuarial projections or claims experience statistics.  
  
AMERICAN AND FOREIGN INSURANCE COMPANY  Naic# 24589  
 
Against: Insurance Company  Location: CHARLOTTE, NC 
Action: Other/Consent     
Signed: 5/16/2000  $1500 Fine 
File # IN 9908654 MBF  
Allegation:  
Resp provided incomplete information to the Commissioner, denied a claim without a reasonable investigation, and has not attempted in good faith to effect prompt and equitable settlements of claims in which liability has become reasonably clear.  
  
RICHARD KIELSA  Lic# IN7858  
 
Against: Insurance Agent  Location: WOODBURY, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 5/18/2000  
File # IN 9901111 CLN  
Allegation:  
Allege Resp sold insurance while license was under suspension, misappropriated premiums, replaced life ins w/o providing replacement forms, falsified applications for life ins, and offered to rebate premium as an inducement to the sale of life ins.  
  
INDIANA INSURANCE COMPANY  Lic# 22659  
 
Against:  Location: INDIANAPOLIS, IN 
Action: Other/Consent     
Signed: 5/26/2000  $25000 Fine 
File # IN 2000189 CLN  
Allegation:  
Allege resp engaged in the business of insurance without a certificate of authority.  
  
DUANE ALDRICH  Lic# IN68801  
 
Against: Insurance Agent  Location: WILLMAR, MN 
Action: Suspension/Consent     Begin: 5/25/2000 End: 5/31/2000 
Signed: 5/31/2000  
File # IN 2002507 CLN  
Allegation:  
Resp forged an insured's signature.  
  
ROBERT COPELAND  Lic# IN035  
 
Against: Insurance Agent  Location: EDEN PRAIRIE, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 5/31/2000  
File # IN 9903156 GAW  
Allegation:  
Allege Resp failed to properly notify the Department of his bankruptcy proceedings, solicited the sale of unregistered securities notes, and forged another's name to loan documents.  
  
VIATICUS INC  Lic#  
 
Against:  Location:
Action: Other/Consent     
Signed: 6/2/2000  $250 Fine 
File # IN 2003913 PDH  
Allegation:  
Resp shall immediately submit an application for a viatical settlement license, maintain the license in good standing at all times and shall ensure that the annual license renewal fee is promptly paid to the Dept prior to the date required.  
  
EDWARD GLASS  Lic# IN85190  
 
Against: Insurance Agent  Location: MINNETONKA, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 6/5/2000  
File # IN 2000414 CLN  
Allegation:  
Allege Resp financially exploited an elderly woman classified as a vulnerable adult over whom he had power of attorney; failed to respond to Dept requests for information; failed to appear at Dept as ordered.  
  
WILLIAM GORDON  Lic# IN011596  
 
Against: Insurance Agent  Location: BURNSVILLE, MN 
Action: Revocation/Hearing     Begin: 6/14/2000 End: Indefinite 
Signed: 6/14/2000  $5783 Fine 
File # IN 9806054 GLP  
Allegation:  
Findings of Fact. Resp misappropriated monies, failed to forward premiums received from clients to the insurer and failed to respond to requests for information from the Dept.  
  
EDWARD GLASS  Lic# IN85190  
 
Against: Insurance Agent  Location: MINNETONKA, MN 
Action: Other     
Signed: 6/22/2000  
Fil e # IN 2000414 CLN  
Allegation:  
Department withdrew Notice Of and Order for Hearing, Notice of Prehearing Conference and Statement of Charges issued 6/5/2000. Respondent died on 4/25/2000.  
  
GRINNELL MUTUAL REINSURANCE COMPANY  Naic# 14117  
 
Against: Insurance Company  Location: GRINNELL, IA 
Action: Order for Hrg/Statement of Charges     
Signed: 6/22/2000  
File # IN 9906099 CLN  
Allegation:  
Allege Resp failed to pay all reasonable costs for the replacement of automobile window glass.  
  
MARIETHA BATCHELOR  Lic# IN4638  
 
Against: Insurance Agent  Location: BLAINE, MN 
Action: Revocation/Consent     Begin: 6/29/2000 End: Indefinite 
Signed: 6/29/2000  
File # IN 2000009 GAW  
Allegation:  
Resp backdated the effective date of an automobile insurance policy on an insurance application.  
  
ORION WARRANTY SERVICES  Lic# UC0229001  
 
Against: Unlicensed Company  Location: FARMINGTON, CT 
Action: Cease & Desist/Consent     
Signed: 6/29/2000  $2500 Fine 
File # IN 9906538 PJG  
Allegation:  
Resp offered motor vehicle service contracts without said contracts being properly filed with the Department.  
  
OBDULIO CERCENO  Lic# IN0053416  
 
Against: Insurance Agent  Location: ROSEVILLE, MN 
Action: Revocation/Hearing     Begin: 7/5/2000 End: Indefinite 
Signed: 7/5/2000  $10000 Fine 
File # IN 9903991 PJG  
Allegation:  
Resp failed to appear at prehearing conference on 5/4/2000. Allege Resp failed to submit applications for homeowners ins to insurer; failed to submit premiums to insurer; failed to respond to Dept; failed to appear as ordered by the Dept.  
  
GE PROPERTY & CASUALTY INSURANCE COMPANY  Naic# 34789  
 
Against: Insurance Company  Location: FORT WASHINGTON, PA 
Action: Cease & Desist/Consent     
Signed: 7/6/2000  $1500 Fine 
File # IN 2000406 MBF  
Allegation:  
Allege Resp failed to comply with requests for information in a timely manner and improperly denied a no-fault claim.  
  
ROBERT VANZANDT  Lic# IN0176719  
 
Against: Insurance Agent  Location: MINNEAPOLIS, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 7/13/2000  
File # IN 9908612 MSL  
Allegation:  
Allege Resp improperly withheld, misappropriated, or converted client funds.  
  
HARTFORD FIRE INSURANCE COMPANY  Naic# 19682  
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Other/Consent     
Signed: 7/18/2000  
File # IN 2000949 CLN  
Allegation:  $500 Other Administrative fee 
Allege Resp failed to acknowledge and act reasonably promptly upon notification of a homeowner's claim.  
  
CORINNE SHOULTZ  Lic# IN0046371  
 
Against: Insurance Agent  Location: WHITE BEAR LAKE, MN 
Action: Suspension/Consent     Begin: 7/31/2000 End: 8/28/2000 
Signed: 7/24/2000  
File # IN 2000248 SMK  
Allegation:  
Allege Resp submitted life insurance applications to an insurer that contained incorrect information relating to the proposed insureds.  
  
PUGETS SOUND AGRICULTURAL SOCIETY, LTD  Lic# UC0242964  
 
Against: Unlicensed Company  Location: WINTERS, CA 
Action: Cease & Desist/Hearing     
Signed: 7/24/2000  
File # IN 2003908 MBF  
Allegation:  
Allege Resp engaged in dishonest practices and unlicensed insurance activities, including issuing policies and collecting premiums. Resp failed to comply with self-insured requirements and a Department subpoena.  
  
MN AUTO ASSIGNED CLAIMS BUREAU  Lic# UC0205849  
 
Against: Unlicensed Company  Location: OSSEO, MN 
Action: Other/Hearing     
Signed: 7/27/2000  
File # IN 2003425 PJG  
Allegation:  
Order for Hearing and Notice of Prehearing Conference. Hearing to determine the appropriateness of Resp's decision to deny Petitioner basic economic loss benefits.  
  
THOMAS PETERSON  Lic# IN35959  
 
Against: Insurance Agent  Location: OUTING, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 8/2/2000  
File # IN 2002983 SMK  
Allegation:  
Resp failed to remit client premiums to insurers and diverted funds to his personnal use; failed to respond to Dept correspondence; failed to notify Dept of change of address.  
  
GEORGE PALMER  Lic# IN0233484  
 
Against: Insurance Agent  Location: CARIBOU, ME 
Action: Other/Consent     
Signed: 8/7/2000  
File # IN 2005371 CLN  
Allegation:  
Resp application for license is granted, conditioned on restrictions outlined in consent order.  
  
STAR INSURANCE COMPANY  Naic# 18023  
 
Against: Insurance Company  Location: SOUTHFIELD, MI 
Action: Other/Consent     
Signed: 8/9/2000  $1000 Fine 
File # IN 2002188 SMK  
Allegation:  
Resp issued improper denial of a PIP claim; failed to respond to claimants correspondence relating to the claim.  
  
TRI STATE LTD  Lic# MG0017996  
 
Against: Managing General Agents  Location: BISMARCK, ND 
Action: Other/Consent     
Signed: 8/11/2000  $15000 Fine 
File # IN 9906150 UMB  
Allegation:  $5000 Other 
Allege resp practiced unreasonable collector of service fees; failed to notify Dept. for terminating an insurance agent for cause; failed to supervise insurance agent.  
  
ALAN LECHER  Lic# IN6447  
 
Against: Insurance Agent  Location: APPLE VALLEY, MN 
Action: Other/Consent     
Signed: 8/25/2000  $500 Fine 
File # IN 2004938 CLN  
Allegation:  
Allege resp sold insurance policies during a period when his license to do so had lapsed.  
  
PROGRESSIVE SPECIALTY INSURANCE COMPANY  Naic# 32786  
 
Against: Insurance Company  Location: MAYFIELD VILLAGE, OH 
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY  Lic# 42919  
 
Against:  Location: MAYFIELD VILLAGE, OH 
PROGRESSIVE NORTHERN INSURANCE COMPANY  Lic# 38628  
 
Against:  Location: MAYFIELD VILLAGE, OH 
Action: Other/Consent     
Signed: 9/5/2000  $2500 Fine 
File # IN 2002837 PJG  
Allegation:  
Allege resp enrolled their insureds with a stacking coverage w/o specific authority from the insured.  
  
FARM BUREAU LIFE INSURANCE COMPANY  Naic# 63088  
 
Against: Insurance Company  Location: W DES MOINES, IA 
Action: Other/Consent     
Signed: 9/7/2000  $1500 Fine 
File # IN 2005180 MBF  
Allegation:  
Allege resp failed to mail a cancellation for nonpayment of premium notice or lapse notice to their insured at least 30 days before the lapse.  
  
RICHARD KIELSA  Lic# IN7858  
 
Against: Insurance Agent  Location: WOODBURY, MN 
Action: Revocation/Consent     Begin: 9/7/2000 End: Indefinite 
Signed: 9/7/2000  
File # IN 9901111 CLN  
Allegation:  
Allege resp violated numerous statutes by converting funds, offering rebates, and soliciting/selling insurance using deceptive/dishonest sales practices.  
  
ONEBEACON INSURANCE COMPANY  Naic# 21970  
 
Against: Insurance Company  Location: BOSTON, MA 
Action: Other/Consent     
Signed: 9/7/2000  $2000 Fine 
File # IN 9905995 PJG  
Allegation:  
Allege resp improperly denied a claim in whole or in part without doing a proper investigation & failed to respond to Department's request for information.  
  
JAMES JORDAN  Lic# IN3229  
 
Against: Insurance Agent  Location: EDEN PRAIRIE, MN 
Action: Other/Hearing     
Signed: 9/14/2000  $6000 Fine 
File # IN 9801087 GAW  
Allegation:  
Commissioner adopted and incorporated all legal conclusions contained in Administrative Law Judges Report issued 3-27-00.  
  
HENRY LANE  Lic# IN0088885  
 
Against: Insurance Agent  Location: GAINESVILLE, FL 
Action: Other/Consent     
Signed: 9/19/2000  
File # IN 2004119 MBF  
Allegation:  
Allege resp engaged in acts that demonstrate he is unqualified to act as an agent and failed to notify us of other states' actions within 30 days.  
  
LAWRENCE KELSO  Lic# IN928  
 
Against: Insurance Agent  Location: MINNETONKA, MN 
Action: Suspension/Consent     Begin: 10/1/2000 End: 10/31/2000 
Signed: 9/20/2000  
File # IN 2003960 LJ  
Allegation:  
Allege resp failed to forward bound insurance applications to the Insurer in a timely manner.  
  
CHAD KARJALA  Lic# IN0221926  
 
Against: Insurance Agent  Location: COHASSET, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 10/4/2000  
File # IN 2005181 CLN  
Allegation:  
Allege resp failed to respond to Department request, failed to appear as ordered, and provided inaccurate information on license application.  
  
NEAL FENTON  Lic# IN2017  
 
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Revocation/Consent     Begin: 10/4/2000 End: Indefinite 
Signed: 10/4/2000  
File # IN 9906150 LJ  
Allegation:  
Allege resp charged customers a fee, in addition to receiving commissions without first having a disclosure form signed by the customer.  
  
A AUTO INS AGCY INC  Lic# IA866  
 
Against: Insurance Agency  Location: ST LOUIS PK, MN 
Action: Revocation/Consent     Begin: 10/4/2000 End: Indefinite 
Signed: 10/4/2000  
File # IN 9906150 LJ  
Allegation:  
Allege resp/owner charged customers a fee, in addition to receiving commissions without first having a disclosure form signed by the customer.  
  
VANLINER INS CO  Naic# 21172  
 
Against: Insurance Company  Location: ST LOUIS, MO 
Action: Other/Consent     
Signed: 10/19/2000  $1105 Fine 
Fil e # IN 2004325 MBF  
Allegation:  
Allege resp has failed to provide information within the time specified; resp improperly denied a claim without conducting a reasonable investigation.  
  
PATRICK DOYLE  Lic# IN35742  
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 10/19/2000  
File # IN 9906689 PEG  
Allegation:  
Allege resp failed to obtain insurance for client and provided inaccurate binders to client's mortgage company.  
  
JAMES JORDAN  Lic# IN3229  
 
Against: Insurance Agent  Location: EDEN PRAIRIE, MN 
Action: Order Amended     
Signed: 10/20/2000  
File # IN 9801087 GAW  
Allegation:  
Change to original order (signed September 14, 2000), which postponed the effective date of the three-month suspension until January 1, 2000.  
  
BRIAN GILMORE  Lic# IN43622  
 
Against: Insurance Agent  Location: WINONA, MN 
Action: Suspension/Consent     Begin: 10/30/2000 End: 11/12/2000 
Signed: 10/27/2000  
File # IN 2007031 LJ  
Allegation:  
Allege resp failed to forward a automobile claim to the Insurer in a timely manner.  
  
DANIEL HEINS  Lic# IN800  
 
Against: Insurance Agent  Location: ANDOVER, MN 
Action: Other/Consent     
Signed: 11/1/2000  $500 Fine 
File # IN 2004950 PEG  
Allegation:  
Allege resp failed to remit insured's premium to the insurer.  
  
HAROLD MATSON  Lic# IN000745  
 
Against: Insurance Agent  Location: COON RAPIDS, MN 
Action: Other/Consent     
Signed: 11/7/2000  $500 Fine 
File # IN 2004950 PEG  
Allegation:  
Allege resp failed to remit insured premium to the insurer.  
  
CONTINENTAL ASSURANCE COMPANY  Naic# 62413  
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 11/14/2000  $1500 Fine 
File # IN 2002806 CLN  
Allegation:  
Allege resp issued policies containing impermissible policy provisions.  
  
GRINNELL MUTUAL REINSURANCE COMPANY  Naic# 14117  
 
Against: Insurance Company  Location: GRINNELL, IA 
Act ion: Order for Hrg/Statement of Charges     
Signed: 11/20/2000  
File # IN 9906099 CLN  
Allegation:  
Allege resp. failure to properly evaluate and pay auto glass repacement claims.  
  
TRANSAMERICA ASSURANCE COMPANY  Naic# 80829  
 
Against: Insurance Company  Location: LOS ANGELES, CA 
Action: Other/Consent     
Signed: 11/21/2000  $3000 Fine 
File # IN 2003459 PEG  
Allegation:  
Allege resp issued voluntary term life insurance brochure containing misleading phrases and failed to replace life insurance benefits as the succeeding carrier.  
  
AMERICAN ECONOMY INSURANCE COMPANY  Naic# 19690  
 
Against: Insurance Company  Location: INDIANAPOLIS, IN 
Action: Other/Consent     
Signed: 11/21/2000  $1000 Fine 
File # IN 2006868 PEG  
Allegation:  
Allege resp failed to accept or deny claim within 30 business days and failed to reply to communications about a claim from claimant.  
  
NORSEMAN GROUP, INC, THE  Lic# VI0275051  
 
Against: Viatical Settlement  Location: VERNON HILLS, IL 
Action: Other/Consent     
Signed: 12/3/2000  $250 Fine 
File # IN 2008374 PDH  
Allegation:  
Resp. failed to maintain license.  
  
FAMILY SERVICE LIFE INSURANCE COMPANY  Naic# 74004  
 
Against: Insurance Company  Location: NEW YORK, NY 
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE)  Naic# 64246  
 
Against: Insurance Company  Location: NEW YORK, NY 
FIRST INTERNATIONAL LIFE INSURANCE COMPANY  Naic# 60003  
 
Against: Insurance Company  Location: BETHLEHEM, PA 
Action: Other/Consent     
Signed: 12/6/2000  $3500 Fine 
File # IN 2008513 UMB  
Allegation:  
Allege resp. late notice for Administrative Action taken againist the companies from other states.  
  
PHILLIP FLYNN  Lic# IN4586  
 
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Suspension/Consent     Begin: 1/1/2001 End: 7/1/2001 
Signed: 12/8/2000  
File # IN 2008943 LMD  
Allegation:  
Allege Resp sold securities without the knowledge or consent of employing broker-dealer, engaged in unlicensed broker-dealer activity and engaged in fraudulent, deceptive or dishonest practices.  
  
HERITAGE INSURANCE MANAGERS INC  Lic# TP0040470  
 
Against: Third Party Admin  Location: SAN ANTONIO, TX 
Action: Other/Consent     
Signed: 12/20/2000  $3500 Fine 
File # IN 2003439 PJG  
Allegation:  
Allege Resp failed to respond to Department requests for information and failed to pay claims in a timely manner.  
  
CHARLES PEDERSON  Lic# IN012616  
 
Against: Insurance Agent  Location: ST JAMES, MN 
Action: Other     
Signed: 12/20/2000  
File # IN 2005202 CLN  
Allegation:  
Allege Resp. pursuant to a prior Consent Order respondent is not to be considered for re-licensure until he has provided docomentation to the Department showing full restitution relating to insurance debt has been made.  
  
LYNN STOFFREGEN  Lic# IN305  
 
Against: Insurance Agent  Location: ST PETER, MN 
Action: Suspension/Hearing     Begin: 1/5/2001 End: 1/18/2001 
Signed: 12/20/2000  
File # IN 2008523 LJ  
Allegation:  
Allege Resp. mailed inaccurate insurance information to former clients and thus demonstrated a lack of trustworthiness.  
  
CONNE CTICUT GENERAL LIFE INSURANCE COMPANY  Naic# 62308  
 
Against: Insurance Company  Location: PHILADELPHIA, PA 
Action: Other/Consent     
Signed: 12/21/2000  
File # IN 2004605 PEG  
Allegation:  
Allege Resp. failed to accept or deny claims within 30 business days and failed to implement reasonable standards for the prompt investigation of claims.  
  
SCOTT LARSON  Lic# IN0451  
 
Against: Insurance Agent  Location: LAKEVILLE, MN 
Action: Revocation/Consent     Begin: 12/21/2000 End: Indefinite 
Signed: 12/21/2000  
File # IN 2007647 PJG  
Allegation:  
Allege Resp. improperly withholding; misappropriating or converting money belonging to a policyholder; Acted untrustworthy; financially irresponsible.  
  
DELORES KESSLER  Lic# IN4585  
 
Against: Insurance Agent  Location: NICOLLET, MN 
Action: Suspension/Hearing     Begin: 12/22/2000 End: 1/4/2001 
Signed: 12/21/2000  
File # IN 2008523 LJ  
Allegation:  
Allege Resp. mailed inaccurate insurance information to former clients and thus demonstrated a lack of trustworthiness.  
  
AUTO-OWNERS INSURANCE COMPANY  Naic# 18988  
 
Against: Insurance Company  Location: LANSING, MI 
Action: Other/Consent     
Signed: 12/29/2000  $5000 Fine 
File # IN 2005295 MBF  $10000 Investigator Costs 
Allegation:  
Allege Resp. failed to promptly and equitably settle glass claims; and failed to provide a reasonable explanation for the partial denial of glass claims.  
  
HOMEFIRST AGCY INC  Lic# IA0225803  
 
Against: Insurance Agency  Location: MARYVILLE, TN 
Action: Other/Consent     
Signed: 12/29/2000  $5275 Fine 
File # IN 2009511 UMB  
Allegation:  
Allege Resp. was doing business in Minnesota without a license.