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Archived Insurance Enforcement Actions 2005


Archived Insurance Enforcement Actions 2005

CHERYL MEYERS  Lic# IN55043 
 
Against: Insurance Agent  Location: SPENCERVILLE, IN 
Action: Civil Penalty     
Signed: 1/3/2005  $500 Fine 
File # IN 2407429 KB  
Allegation:  
Respondent failed to report other states actions within 30 days as required by MN law. 
  
LEONARD SALAZAR  Lic# IN20349836 
 
Against: Insurance Agent  Location: SAN ANTONIO, TX 
Action: Civil Penalty     
Signed: 1/5/2005  $500 Fine 
File # IN 2407427 KB  
Allegation:  
Respondent failed to disclose an administrative action on his application and failed to timely resport 3 other related actions. 
  
GREGORY MCWHORTER  Lic# IN52965 
 
Against: Insurance Agent  Location: BLOOMINGTON, MN 
Action: Summary Suspension, Notice of     
Signed: 1/6/2005  
File # IN 2405061 MBF  
Allegation:  
Respondent demonstrated untrustworthiness, converted premium payments, forged a document and made misrepresentations; Also, respondent breached his fiduciary duties concerning client funds. 
  
CHRISTINE RIDDELL  Lic# IN20277235 
 
Against: Insurance Agent  Location: REDONDO BEACH, CA 
Action: Revocation/Hearing  Begin: 1/10/2005    End: Indefinite 
Signed: 1/10/2005  $40000 Fine 
File # IN 2308757 SMK  
Allegation:  
Respondent failed to resp to Dept., was dishonest, untrustworthy and financially irresponsible by issuing fraudulent E and O policies and collecting premiums on those policies. 
  
STACY SWIFT  Lic# IN20308566 
 
Against: Insurance Agent  Location: GRAND RAPIDS, MI 
Action: Other/Consent     
Signed: 1/10/2005  $250 Fine 
File # IN 2409204 BD  
Allegation:  
Allege respondent failed to timely report an administrative action. 
  
WESTERN INS AGCY INC  Lic# IA747 
 
Against: Insurance Agency  Location: ST PAUL, MN 
Action: Cease & Desist/Consent     
Signed: 1/11/2005  $5000 Fine 
File # IN 2404093 MBF  
Allegation:  
Respondent failed to provide fee disclosures before performing services charged for and the disclosures were misleading. 
  
AMERICAN NATIONAL INSURANCE COMPANY  Naic# 60739 
 
Against: Insurance Company  Location: GALVESTON, TX 
Action: Other/Consent     
Signed: 1/13/2005  $1212 Fine 
File # IN 2405970 PDH  
Allegation:  
Sold industrial life policies to non-white persons with higher premiums or lesser benfits --- multistate race-based settlement. 
  
JON BELINKIE  Lic# IN20019622 
 
Against: Insurance Agent  Location: ROCKVILLE, MD 
Action: Civil Penalty     
Signed: 1/24/2005  $500 Fine 
File # IN 2407277 KB  
Allegation:  
Respondent failed to report 2 administrative actions within the 30 day requirement. 
  
JILL SCHNEIDER  Lic# IN20286034 
 
Against: Insurance Agent  Location: COURTLAND, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 1/26/2005  
File # IN 2402762 BD  
Allegation:  
Respondent retained a portion of an insured's premium payment. 
  
BCBSM INC  Naic# 55026 
 
Against: Insurance Company  Location: ST PAUL, MN 
Action: Censure/Consent     
Signed: 1/26/2005  $3000 Fine 
File # IN 2405482 PEG  
Allegation:  
Respondent failed to promptly conduct investigation; failed to reply to communication received from members within 10 days; and failed to respond to Dept within specified time frame. 
  
STEPHEN JOHNSON  Lic# IN48267 
 
Against: Insurance Agent  Location: KASSON, MN 
Action: Other/Consent     
Signed: 1/26/2005  $500 Fine 
File # IN 2407211 BD  
Allegation:  
Respondent signed a document on behalf of insured without proper authority. 
  
JOHN SADLER  Lic# IN20040127 
 
Against: Insurance Agent  Location: COLUMBIA, SC 
Action: Civil Penalty     
Signed: 1/31/2005  $250 Fine 
File # IN 2406777 KB  
Allegation:  
Respondent failed to disclose other state administrative actions within the thiry day requirement. 
  
JORDAN PATROS  Lic# IN20470922 
 
Against: Insurance Agent  Location: GOLDEN VALLEY, MN 
Action: Civil Penalty     
Signed: 2/7/2005  $250 Fine 
File # IN 2500440 KB  
Allegation:  
Respondent failed to disclose a previous misdemeanor conviction on his original license application. 
  
AGSTAR FINANCIAL SERVICES ACA  Lic# IA464 
 
Against: Insurance Agency  Location: MANKATO, MN 
Action: Cease & Desist/Consent     
Signed: 2/10/2005  $5000 Fine 
File # IN 2405279 MBF  
Allegation:  
Respondent provided rebates to its insurance customers. 
  
CHRISTOPHER BRU  Lic# IN20404598 
 
Against: Insurance Agent  Location: BLOOMINGTON, MN 
Action: Other/Consent     
Signed: 2/10/2005  
File # IN 2407364 BD  
Allegation:  
Respondent was issued conditional license based on past criminal record. 
  
JOSEPH SERVANT  Lic# IN20222432 
 
Against: Insurance Agent  Location: E GREENWICH, RI 
Action: Civil Penalty     
Signed: 2/11/2005  $250 Fine 
File # IN 2500478 MBF  
Allegation:  
Respondent failed to provide timely notice of criminal matter. 
  
METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY  Naic# 26298 
 
Against: Insurance Company  Location: WARWICK, RI 
Action: Other/Consent     
Signed: 2/17/2005  $5000 Fine 
File # IN 2307955 CLN  
Allegation:  
Respondent improperly adjusted an automoblie total loss claim. 
  
JEFFREY LEJFER  Lic# IN20352919 
 
Against: Insurance Agent  Location: MANALAPAN, NJ 
Action: Civil Penalty     
Signed: 3/1/2005  $250 Fine 
File # IN 2500510 MBF  
Allegation:  
Respondent failed to notify our department within thirty days of another states action. 
  
MARK GERBI  Lic# IN769121 
 
Against: Insurance Agent  Location: LITTLE FALLS, MN 
Action: Cease & Desist/Consent     
Signed: 3/3/2005  $250 Fine 
File # IN 2402851 MBF  
Allegation:  
Respondent failed to keep a cash disbursements journal in accordance with generally accepted accounting principles. 
  
ERIN WAKELY  Lic# IN20254314 
 
Against: Insurance Agent  Location: BLOOMINGTON, MN 
Action: Suspension/Consent  Begin: 2/28/2005    End: 3/18/2005 
Signed: 3/3/2005  
File # IN 2405061 MBF  
Allegation:  
Respondent misrepresented the terms of insurance contracts. 
  
MEDICA SELF-INSURED  Lic# TP1283 
d/b/a MEDICA SELF-INSURED AND D/B/A SELECT CARE 
Against: Third Party Admin  Location: MINNETONKA, MN 
Action: Other/Consent     
Signed: 3/3/2005  $3000 Fine 
File # IN 2406797 PEG  
Allegation:  
Respondent improperly denied claims for insured's oxygen services. 
  
RADIAN ASSET ASSURANCE INC.  Naic# 36250 
 
Against: Insurance Company  Location: NEW YORK, NY 
Action: Cease & Desist/Consent     
Signed: 3/10/2005  $1500 Fine 
File # IN 2408832 MBF  
Allegation:  
Respondent allowed unlicensed individuals to sell their products; these individuals were also not appointed. 
  
BOBBY BRYANT  Lic# IN20400092 
 
Against: Insurance Agent  Location: COCHRAN, GA 
Action: Order for Hrg/Statement of Charges     
Signed: 3/18/2005  
File # IN 2408177 BD  
Allegation:  
Respondent licensee failed to inform the Department of a felony conviction. 
  
MITCHELL STEWART  Lic# IN20488798 
 
Against: Insurance Agent  Location: THIEF RIVER FALLS, MN 
Action: Other/Consent     
Signed: 4/1/2005  
File # IN 2408582 BD  
Allegation:  
Respondent issued a conditional license based on prior criminal record and child support obligation. 
  
MONUMENTAL LIFE INSURANCE COMPANY  Naic# 66281 
 
Against: Insurance Company  Location: BALTIMORE, MD 
Action: Other/Consent     
Signed: 4/6/2005  
File # IN 2502745 PDH  
Allegation:  $26304.85 Other 
Settlement of multistate examination involving race-based underwriting and premiums. 
  
JOHN FULS  Lic# IN20146931 
 
Against: Insurance Agent  Location: SAUK RAPIDS, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 4/20/2005  
File # IN 2500166 MBF  
Allegation:  
Respondent misrepresented the terms of insurance contracts, improperly converted premiums, and engaged in conduct which makes him unqualified to be an insurance producer. 
  
GENERAL CASUALTY COMPANY OF WISCONSIN  Naic# 24414 
 
Against: Insurance Company  Location: SUN PRAIRIE, WI 
Action: Cease & Desist/Consent     
Signed: 4/20/2005  $1500 Fine 
File # IN 2502143 MBF  
Allegation:  
Respondent with respect to one claim, failed to settle the claim promptly in which liability had become reasonably clear. 
  
JOEL WELLS  Lic# IN20488879 
 
Against: Insurance Agent  Location: EAGAN, MN 
 Lic# RA20421058 
 
Against: Real Estate Agent  Location: EAGAN, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 4/25/2005  
File # IN 2408345 KB  
Allegation:  
Respondent submitted a false application for a real estate salesperson's license, provided incomplete information on his insurance agent's application, and plead guilty to a gross misdemeanor involving moral turpitude. 
  
SPRING VALLEY MUTUAL INSURANCE COMPANY  Naic# 11028 
 
Against: Insurance Company  Location: SPRING VALLEY, MN 
Action: Other/Consent     
Signed: 4/29/2005  $2500 Fine 
File # IN 2500476 SMK  
Allegation:  
Respondent issued a policy endorsement form prior to having the form filed and approved by the Dept. 
  
RODGER HOEFT  Lic# IN50117 
 
Against: Insurance Agent  Location: MOORHEAD, MN 
Action: Other/Consent     
Signed: 4/29/2005  
File # IN 2502232 JCJ  
Allegation:  
License Clear - Consent to Conditions. 
  
GREGORY MCWHORTER  Lic# IN52965 
 
Against: Insurance Agent  Location: BLOOMINGTON, MN 
Action: Revocation/Hearing  Begin:    End: Indefinite 
Signed: 5/2/2005  
File # IN 2405061 MBF  
Allegation:  
Respndent's actions include untrustworthiness; breach of fiduciary duty; and improperly witholding, misappropriating or converting money received in the course of doing insurance business. 
  
RASHIDA CAGE  Lic# IN20386355 
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Other/Consent     
Signed: 5/4/2005  
File # IN 2502794 MBF  
Allegation:  
Respondent was issued a probationary license until March 30, 2007. 
  
TIME INSURANCE COMPANY  Naic# 69477 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Other/Consent     
Signed: 5/6/2005  $7500 Fine 
File # IN 2406874 SMK  
Allegation:  
Failed to administer a pre-certification determination and appeal in accordance with Minnesota law. 
  
REGAL INSURANCE COMPANY  Naic# 38873 
 
Against: Insurance Company  Location: BIRMINGHAM, AL 
Action: Other/Consent     
Signed: 5/6/2005  $5000 Fine 
File # IN 2500088 SMK  
Allegation:  
Failed to respond in a timely manner to a claim document request made by an insured regarding a personal automobile injury protection claim. 
  
WINKELMAN HOMES INC  Lic# BC20176483 
 
Against: Building Contractor  Location: ZIMMERMAN, MN 
Action: Recovery Fund Payout/Lic Susp  Begin:    End: Indefinite 
Signed: 5/6/2005  
File # IN 2501804 PJG  
Allegation:  
License was suspended due to a recovery fund payout. 
  
CARLENE SEPPANEN  Lic# IN20184682 
 
Against: Insurance Agent  Location: LINO LAKES, MN 
Action: Other/Consent     
Signed: 5/6/2005  
File # IN 2502151 KB  
Allegation:  
Respondent issued a binder for an auto insurance policy without collecting any premium. Respondent demonstrated incompetence, untrustworthiness and financial irresponsibilty. 
  
PEOPLES HEALTH PLAN  Lic# UC20523032 
 
Against: Unlicensed Company  Location: DEERFIELD BEACH, FL 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2307588 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
AFFORDABLE HEALTH CARE/CONTINENTAL HEALTH  Lic# UC20523042 
 
Against: Unlicensed Company  Location: SAN DIEGO, CA 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2401200 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
EQUAL ACCESS HEALTH  Lic# UC20523026 
 
Against: Unlicensed Company  Location: ARLINGTON, TX 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2402990 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
MED HEALTH PLUS/MED HEALTH ONE  Lic# UC20523064 
 
Against: Unlicensed Company  Location: 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2406506 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
EXTRA HEALTH FAMILY PLUS  Lic# UC20523065 
 
Against: Unlicensed Company  Location: 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2406992 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
ALL AMERICAN HEALTH PLAN  Lic# UC20523049 
 
Against: Unlicensed Company  Location: HOUSTON, TX 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2407123 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
FAMILY CHOICE  Lic# UC20523057 
 
Against: Unlicensed Company  Location: NEWPORT BEACH, CA 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2407126 PEG  
Allegation:  
Respondent has engagged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
PROTECTIVE SMARTHEALTH PLUS  Lic# UC20523060 
 
Against: Unlicensed Company  Location: 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2407127 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
SMART HEALTH CARE SOLUTIONS  Lic# UC20523037 
 
Against: Unlicensed Company  Location: TEMPE, AR 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2407128 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
COLONIAL HEALTH  Lic# UC20523067 
 
Against: Unlicensed Company  Location: 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2407131 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
AMERICAN MEDICAL SERVICES  Lic# UC20523052 
 
Against: Unlicensed Company  Location: CLEARWATER, FL 
Action: Cease & Desist/Hearing     
Signed: 5/11/2005  
File # IN 2408241 PEG  
Allegation:  
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan. 
  
AMERICAN FRATERNAL UNION  Naic# 56200 
 
Against: Insurance Company  Location: ELY, MN 
Action: Cease & Desist/Consent     
Signed: 5/16/2005  
File # IN 2505639 GAL  
Allegation:  
Departmental review. 
  
WINKELMAN HOMES INC  Lic# BC20176483 
 
Against: Building Contractor  Location: ZIMMERMAN, MN 
Action: Recovery Fund Payout/Lic Susp  Begin: 4/27/2005    End: Indefinite 
Signed: 5/19/2005  
File # IN 2501804 PJG  
Allegation:  
License was suspended due to a recovery fund payout. 
  
ROGER PLAMANN  Lic# IN20519614 
 
Against: Insurance Agent  Location: ALBANY, MN 
Action: Other/Consent     
Signed: 5/19/2005  
File # IN 2502915 JCJ  
Allegation:  
License Clear---Consent to Conditions. 
  
DANA VIETOR  Lic# IN43307 
 
Against: Insurance Agent  Location: INDEPENDENCE, IA 
Action: Civil Penalty     
Signed: 5/20/2005  $300 Fine Civil Penalty/Agreement 
File # IN 2502036 MBF  
Allegation:  
Respondent failed to deliver contracts to the insured within 30 working days of receipt of them from the insurer. 
  
STEPHEN OATWAY  Lic# IN20203385 
 
Against: Insurance Agent  Location: LE SUEUR, MN 
Action: Revocation/Hearing  Begin: 6/7/2005    End: Indefinite 
Signed: 6/7/2005  $18000 Fine 
File # IN 2406935 BD  
Allegation:  
Respondent misappropriated client funds for personal use. 
  
W & R INSURANCE AGENCY INC  Lic# IA5720 
 
Against: Insurance Agency  Location: SHAWNEE MISSION, KS 
Action: Other/Consent     
Signed: 6/9/2005  $68110 Fine Consent/Other 
File # IN 2303718 PDH  
Allegation:  
Multistate and NASD resolution involving the improper replacement of variable annuities. $5 MM fine to NASD, $2 MM fine to states and $11MM restitution. 
  
WRIGHT AND COMPANY  Lic# TP20024888 
 
Against: Third Party Admin  Location: WASHINGTON, DC 
Action: Other/Consent     
Signed: 6/9/2005  $5000 Fine Consent/Other 
File # IN 2500757 CLN  
Allegation:  
Unlicensed Third Party Administrator activity. 
  
AIG PREMIER INSURANCE COMPANY  Naic# 20796 
 
Against: Insurance Company  Location: FORT WASHINGTON, PA 
Action: Other/Consent     
Signed: 6/22/2005  $1000 Fine Consent/Other 
File # IN 2409006 KJH  
Allegation:  
Respondent denied a portion of a claim without conducting a reasonable investigation and failed to make a good faith assignment of comparative negligence percentages. 
  
TODD HAWLEY  Lic# IN20126673 
 
Against: Insurance Agent  Location: GRAND RAPIDS, MI 
Action: Civil Penalty     
Signed: 6/29/2005  $1000 Fine 
File # IN 2409050 JCJ  
Allegation:  
Failing to disclose administrative actions. 
  
SARAH BIASIOLLI  Lic# IN20155292 
 
Against: Insurance Agent  Location: SAN ANTONIO, TX 
Action: Civil Penalty     
Signed: 7/1/2005  $250 Fine 
File # IN 2409053 JCJ  
Allegation:  
Failing to disclose administrative actions. 
  
TRAVCO INSURANCE COMPANY (THE)  Naic# 28188 
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Other/Consent     
Signed: 7/1/2005  $1000 Fine Consent/Other 
File # IN 2501761 KJH  
Allegation:  
Respondent failed to respond in a timely manner to a claim document request by an insured regarding a personal automobile protection claim. 
  
MED TECH  Lic# UC20533045 
 
Against: Unlicensed Company  Location: PLATTSBURG, NY 
Action: Cease & Desist/Hearing     
Signed: 7/1/2005  
File # IN 2502197 SMK  
Allegation:  
Respondent engaged in and transacting insurance in Minnesota without a license. Failed to respond to Department¨s requests for information. 
  
PLATINUM WARRANTY CORPORATION  Lic# UC20527000 
d/b/a WARRANTY CENTER 
Against: Unlicensed Company  Location: CLEVELAND, OH 
Action: Cease & Desist/Consent     
Signed: 7/12/2005  
File # IN 2402594 MBF  
Allegation:  
Respondent failed to respond timely, failed to obtain a vehicle service contract reimbursement insurance policy, failed to have required notices in their contract. 
  
PLATINUM WARRANTY CORPORATION  Lic# UC20527000 
d/b/a WARRANTY CENTER 
Against: Unlicensed Company  Location: CLEVELAND, OH 
Action: Cease & Desist/Consent     
Signed: 7/12/2005  
File # IN 2500325 MBF  
Allegation:  
Respondent failed to respond timely, failed to obtain a vehicle service contract reimbursement insurance policy, failed to have required notices in their contract. 
  
BOBBY BRYANT  Lic# IN20400092 
 
Against: Insurance Agent  Location: COCHRAN, GA 
Action: Revocation/Hearing  Begin: 7/13/2005    End: Indefinite 
Signed: 7/13/2005  
File # IN 2408177 BD  
Allegation:  
Respondent's license revoked for failing to disclose a criminal conviction on his license application. 
  
RICHARD DALE  Lic# IN20319001 
 
Against: Insurance Agent  Location: IRVING, TX 
Action: Civil Penalty     
Signed: 7/20/2005  $250 Fine 
File # IN 2504461 JCJ  
Allegation:  
Failing to disclose administrative actions. 
  
PATRICIA ANDERSON  Lic# IN20266498 
 
Against: Insurance Agent  Location: HUDSON, WI 
Action: Other/Hearing     
Signed: 7/28/2005  
File # IN 2501401 KB  
Allegation:  
Respondent improperly withheld or misappropriated insurance monies, demonstrated untrustworthiness and financial irresponsibility and failed to observe high standards of commercial honor. 
  
VERNON COOPER  Lic# IN7227 
 
Against: Insurance Agent  Location: ROCHESTER, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 7/29/2005  
File # IN 2407341 MBF  
Allegation:  
Respondent has demonstrated un-trusted worthiness and is unqualified to work as an agent. Also respondent provided false, misleading and incomplete information to the commissioner 
  
VERNON COOPER  Lic# IN7227 
 
Against: Insurance Agent  Location: ROCHESTER, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 7/29/2005  
File # IN 2503463 MBF  
Allegation:  
Respondent has demonstrated un-trusted worthiness and is unqualified to work as an agent. Also respondent provided false, misleading and incomplete information to the commissioner 
  
ILLINOIS FARMERS INSURANCE COMPANY  Naic# 21679 
 
Against: Insurance Company  Location: AURORA, IL 
Action: Other/Consent     
Signed: 8/8/2005  $1000 Fine 
File # IN 2409121 KJH  
Allegation:  
Respondent failed to issue payment in the amount agreed upon in settlement of all or part of a claim within 5 business days from receipt of the agreement. 
  
WARREN GRABER  Lic# IN20170333 
 
Against: Insurance Agent  Location: SIOUX FALLS, SD 
Action: Civil Penalty     
Signed: 8/8/2005  $250 Fine 
File # IN 2504790 JCJ  
Allegation:  
Allege Respondent failed to disclose administrative actions. 
  
JEROMY ZAJONC  Lic# IN20427595 
 
Against: Insurance Agent  Location: SAN RAFAEL, CA 
Action: Civil Penalty     
Signed: 8/10/2005  $1000 Fine 
File # IN 2405927 JCJ  
Allegation:  
Allege respondent provided false, misleading or incomplete information to the commissioner. 
  
LOY FENNELL  Lic# IN20527240 
 
Against: Insurance Agent  Location: MARSHALL, MN 
Action: Other/Consent     
Signed: 8/10/2005  
File # IN 2503630 JCJ  
Allegation:  
Criminal Proceedings/Probation. 
  
ROBERT ALLEN  Lic# IN20309717 
 
Against: Insurance Agent  Location: TAMPA, FL 
Action: Civil Penalty     
Signed: 8/11/2005  $250 Fine 
File # IN 2504720 JCJ  
Allegation:  
Allege Respondent failed to disclose misdemeanor conviction on application. 
  
G F MANN AGENCY LTD  Lic# IA20342992 
 
Against: Insurance Agency  Location: NAPERVILLE, IL 
Action: Civil Penalty     
Signed: 8/15/2005  $250 Fine 
File # IN 2503753 JCJ  
Allegation:  
Allege respondent failed to disclose administrative actions. 
  
WALTER HAWK  Lic# IN20474253 
 
Against: Insurance Agent  Location: EUGENE, OR 
Action: Civil Penalty     
Signed: 8/25/2005  $500 Fine 
File # IN 2503749 JCJ  
Allegation:  
Allege Respondent failed to disclose misdemeanor conviction on application. 
  
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY  Naic# 42919 
 
Against: Insurance Company  Location: MAYFIELD VILLAGE, OH 
Action: Other/Consent     
Signed: 8/30/2005  $1500 Fine 
File # IN 2407024 KJH  
Allegation:  
Respondent denied a claim without conducting a reasonable investigation based upon all available information. 
  
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE)  Naic# 64246 
 
Against: Insurance Company  Location: NEW YORK, NY 
Action: Other/Consent     
Signed: 8/30/2005  $1500 Fine 
File # IN 2502222 SMK  
Allegation:  
Allege respondent disclosed on applicant's personal information without first obtaining the applicant's written authorization. 
  
YONGBO ZHAO  Lic# IN20540091 
 
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Other/Consent     
Signed: 8/30/2005  
File # IN 2505084 MBF  
Allegation:  
Respondent was issued a license consistent with the consent order's terms. 
  
INSURANCE CORPORATION OF HANNOVER  Naic# 37257 
 
Against: Insurance Company  Location: NEW YORK, NY 
 Naic# 
 
Against: Insurance Company  Location: LOS ANGELES, CA 
Action: Other/Consent     
Signed: 8/31/2005  $5000 Fine 
File # IN 2502332 SMK  
Allegation:  
Allege Respondent altered pet insurance policy forms without submitting changes to Department for approval, engaged in unfairly discriminatory underwriting practices, reduced policy coverage without providing notification required. 
  
TIME INSURANCE COMPANY  Naic# 69477 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Other/Consent     
Signed: 9/2/2005  $10000 Fine 
File # IN 2502963 SMK  
Allegation:  
Allege Respondent delayed the process and payment of a health insurance claim as a result of statutory violations. 
  
SENOL WHALEY  Lic# IN20432741 
 
Against: Insurance Agent  Location: APPLE VALLEY, MN 
Action: Revocation/Consent  Begin: 9/19/2005    End: Indefinite 
Signed: 9/19/2005  
File # IN 2503159 MBF  
Allegation:  
Allege Respondent was convicted of a felony involving moral turpitude and failed to report the criminal matter timely to the Commissioner. 
  
MILWAUKEE SAFEGUARD INSURANCE COMPANY  Naic# 40703 
 
Against: Insurance Company  Location: JACKSONVILLE, FL 
Action: Other/Consent     
Signed: 9/26/2005  $1500 Fine 
File # IN 2405522 UMB  
Allegation:  
Allege respondent failed to provide the required notice to accept or deny the claim within 30 business days. Also, allege respondent failed to respond to the insured and the Department of Commerce in a timely matter. 
  
BRIAN ZWICKE  Lic# IN50735 
 
Against: Insurance Agent  Location: EAGLE LAKE, MN 
Action: Revocation/Consent  Begin: 9/26/2005    End: Indefinite 
Signed: 9/26/2005  
File # IN 2501317 MBF  
Allegation:  
Allege respondent converted client's funds, misrepresented insurance contracts and engaged in activity making him unfit to be an insurance producer. 
  
ALLEN REISCH  Lic# IN20543071 
 
Against: Insurance Agent  Location: NEWPORT, MN 
Action: Other/Consent     
Signed: 9/26/2005  
File # IN 2505565 MBF  
Allegation:  
Respondent was issued a probationary license. The probation period expires September 8, 2007. 
  
FAMILY CHOICE  Lic# UC20523057 
 
Against: Unlicensed Company  Location: NEWPORT BEACH, CA 
Action: Other/Consent     
Signed: 10/4/2005  
File # IN 2407126 PEG  
Allegation:  
Allege respondent engaged in false advertising and misleading comments in connection with an offer for purposes to be health insurance. 
  
MICHELE MANKAMYER  Lic# IN20413793 
 
Against: Insurance Agent  Location: WEST PALM BEACH, FL 
Action: Civil Penalty     
Signed: 10/5/2005  $250 Fine 
File # IN 2401137 MBF  
Allegation:  
Allege respondent failed to provide complete information on her insurance producer license application. 
  
SAFEER HOPTON  Lic# IN20371673 
 
Against: Insurance Agent  Location: SAN DIEGO, CA 
Action: Other/Consent     
Signed: 10/7/2005  $500 Fine 
File # IN 2504765 JCJ  
Allegation:  
Allege respondent provided false, misleading or incomplete information on application and failing to disclose other states administrative actions. 
  
HORACE MANN INSURANCE COMPANY  Naic# 22578 
 
Against: Insurance Company  Location: SPRINGFIELD, IL 
Action: Civil Penalty     
Signed: 10/11/2005  $300 Fine 
File # IN 2506029 MBF  
Allegation:  
Allege respondent failed to deliver unearned premium to an insured within 30 days of the insured's written cancellation request. 
  
CALVIN BARLOCKER  Lic# IN18275 
 
Against: Insurance Agent  Location: SALINAS, CA 
 Lic# IA20329255 
 
Against: Insurance Agency  Location: SALINAS, CA 
Action: Order for Hrg/Statement of Charges     
Signed: 10/17/2005  
File # IN 2408353 JCJ  
Allegation:  
Allege respondent provided false information to the Commissioner. Failed to report actions within 30 days of final disposition. 
  
LISA MIZE  Lic# IN20327189 
 
Against: Insurance Agent  Location: SUMMERSVILLE, WV 
Action: Order for Hrg/Statement of Charges     
Signed: 10/17/2005  
File # IN 2503895 JCJ  
Allegation:  
Allege respondent provided false, misleading or incomplete information on application. 
  
FERCO INC  Lic# IA20262338 
d/b/a ASSURED BOND SVCS 
Against: Insurance Agency  Location: ST PAUL, MN 
 Lic# IN7384 
 
Against: Insurance Agent  Location: SANDSTONE, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 10/26/2005  
File # IN 2409041 MBF  
Allegation:  
Allege respondent converted bail bond clients' collateral, demonstrated untrustworthiness, dishonest practices, and financial irresponsibility. 
  
SUN SURETY INSURANCE COMPANY  Naic# 20214291 
 
Against: Insurance Company  Location: RAPID CITY, SD 
Action: Order for Hrg/Statement of Charges     
Signed: 10/26/2005  
File # IN 2409041 MBF  
Allegation:  
Allege respondent refused to pay collateral amounts to its clients that were converted by its agent and respondent failed to notify the commissioner that it terminated it's agent for cause. 
  
CHICAGO TITLE INSURANCE COMPANY  Naic# 51136 
 
Against: Insurance Company  Location: CHICAGO, IL 
 Naic# 51586 
 
Against: Insurance Company  Location: SANTA BARBARA, CA 
Action: Cease & Desist/Consent     
Signed: 10/26/2005  
File # IN 2501346 PDH  
Allegation:  
Allege respondent made use of reinsurance arrangements to pass funds to settlement producers. 
  
PROTECTION CONNECTION INC  Lic# IA7630 
d/b/a ENSURE 
Against: Insurance Agency  Location: HASTINGS, MN 
Action: Other/Consent     
Signed: 10/26/2005  $500 Fine 
File # IN 2504747 MBF  
Allegation:  
Allege respondent failed to ensure that its contracted producer promptly remitted a client's check to reimburse the agency for payment it had made for client. 
  
SCOTT STEPAN  Lic# IN20205858 
 
Against: Insurance Agent  Location: HASTINGS, MN 
Action: Other/Consent     
Signed: 10/26/2005  $250 Fine 
File # IN 2504747 MBF  
Allegation:  
Allege respondent deposited a check into his personal account before it was remitted to a business account. 
  
JACK KITHCART  Lic# IN26365 
 
Against: Insurance Agent  Location: FARGO, ND 
Action: Other/Consent     
Signed: 10/26/2005  $5000 Fine 
File # IN 2505071 MBF  
Allegation:  
Allege respondent published deceptive advertisements. 
  
CINTHIA KORTIE  Lic# IN20011789 
 
Against: Insurance Agent  Location: ALEXANDRIA, MN 
Action: Other/Consent     
Signed: 10/26/2005  
File # IN 2505071 MBF  
Allegation:  
Allege respondent published deceptive advertisements. 
  
DONALD TERRELL  Lic# IN60402 
 
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 10/26/2005  
File # IN 2506031 MBF  
Allegation:  
Allege respondent pled guilty to felony conspiracy to commit securities fraud, making him unqualified to be licensed, and he failed to provide notice of the conviction to the Commissioner. 
  
CHARLES GIBSON  Lic# IN20417247 
 
Against: Insurance Agent  Location: APPLE VALLEY, MN 
Action: Revocation/Consent  Begin: 10/26/2005    End: Indefinite 
Signed: 10/26/2005  
File # IN 2506115 MBF  
Allegation:  
Allege respondent forged an insured's name to a document making him unqualified to be an insurance producer. 
  
DYANNE ROSS-HANSON  Lic# IN703640 
 
Against: Insurance Agent  Location: BIRCHWOOD, MN 
Action: Civil Penalty     
Signed: 11/10/2005  $500 Fine 
File # IN 2505858 MBF  
Allegation:  
Allege respondent signed another's name to a supplementary document and subsequently obtained permission to do so. 
  
FAMILY CHOICE  Lic# UC20523057 
 
Against: Unlicensed Company  Location: NEWPORT BEACH, CA 
Action: Other/Consent     
Signed: 11/17/2005  
File # IN 2407126 PEG  
Allegation:  
Allege respondent engaged in false and misleading comments in connection with an offer for what purports to be a health Ins. plan. 
  
MARK MCLANE  Lic# IN20548946 
 
Against: Insurance Agent  Location: EAGAN, MN 
Action: Other/Consent     
Signed: 11/17/2005  
File # IN 2506934 MBF  
Allegation:  
Allege respondent was issued a probationary license. 
  
UBONG USORO  Lic# IN20534267 
 
Against: Insurance Agent  Location: BLOOMINGTON, MN 
Action: Civil Penalty     
Signed: 11/29/2005  $250 Fine 
File # IN 2507165 JCJ  
Allegation:  
Provided false, misleading or incomplete information to the commissioner. 
  
JACK COLE  Lic# IN20133810 
 
Against: Insurance Agent  Location: ISANTI, MN 
Action: Civil Penalty     
Signed: 12/8/2005  $500 Fine 
File # IN 2506603 MBF  
Allegation:  
Allege respondent failed to complete one client's insurance transaction and reconcile the client's account. 
  
CASEY MILLER  Lic# IN16806 
 
Against: Insurance Agent  Location: EDINA, MN 
Action: Other/Consent     
Signed: 12/16/2005  $5000 Fine 
File # IN 2503302 MBF  
Allegation:  
Allege respondent negligently issued certificates of liability insurance which showed multiple lines of coverage including one which was no longer in force. 
  
TRAVELERS LIFE AND ANNUITY COMPANY (THE)  Naic# 80950 
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Other/Consent     
Signed: 12/16/2005  $2000 Fine 
File # IN 2504317 SMK  
Allegation:  
Allege respondent failed to respond to Dept requests for documentation within the time specified. 
  
STEPHEN HANSON  Lic# IN20384264 
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Civil Penalty     
Signed: 12/23/2005  $250 Fine 
File # IN 2507629 JCJ  
Allegation:  
Allege respondent continued to act as a bails bondman without an active license. 
  
BRETT MAXWELL  Lic# IN20544671 
 
Against: Insurance Agent  Location: BEMIDJI, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 12/28/2005  
File # IN 2506957 JCJ  
Allegation:  
Allege respondent has been convicted of a criminal offense involving moral turpitude.