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Archived Insurance Enforcement Actions 2006


Archived Insurance Enforcement Actions 2006

DONALD TERRELL  Lic# IN60402  
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Revocation/Consent  Begin: 1/11/2006    End: Indefinite 
Signed: 1/11/2006  
File # IN 2506031 MBF  
Allegation:  
Respondent entered a guilty plea to a felony and failed to report it timely to the commissioner. 
  
G F MANN AGENCY LTD  Lic# IA20342992 
 
Against: Insurance Agency  Location: NAPERVILLE, IL 
Action: Civil Penalty     
Signed: 1/13/2006  $250 Fine 
File # IN 2503753 JCJ  
Allegation:  
Allege respondent failed to disclose administrative actions. 
  
SUN SURETY INSURANCE COMPANY  Naic# 20214291 
 
Against: Insurance Company  Location: RAPID CITY, SD 
Action: Other/Consent     
Signed: 1/23/2006  $20000 Fine 
File # IN 2409041 MBF  
Allegation:  
Allege respondent failed to pay involved parties monies converted by its agent, failed to provide timely notice of agent termination for reason listed in section 60K.43 
  
STEVEN EMIL ENNIS  Lic# IN20286149 
 
Against: Insurance Agent  Location: BLAINE, MN 
Action: Revocation/Consent  Begin: 1/23/2006    End: Indefinite 
Signed: 1/23/2006  
File # IN 2507785 KB  
Allegation:  
Allege respondent forged another's name to an application for insurance, used fraud, coercive or dishonest practices in attempting to cover up the forgery 
  
HAGERTY INS AGCY INC  Lic# IA20141135 
 
Against: Insurance Agency  Location: TRAVERSE CITY, MI 
Action: Cease & Desist/Consent     
Signed: 2/3/2006  $10000 Fine 
File # IN 2505920 MBF  
Allegation:  
Allege respondent allowed unlicensed individual to perform acts related to Minnesota insurance applicants for which an insurance producer license is required. 
  
JULIE MANGINE  Lic# IN16859 
 
Against: Insurance Agent  Location: BURNSVILLE, MN 
Action: Revocation/Consent  Begin: 2/3/2006    End: Indefinite 
Signed: 2/3/2006  $2500 Fine 
File # IN 2507502 KB  
Allegation:  
Allege respondent improperly withheld, misappropriated, or converted at least $38,000 in money received in the course of doing insurance business. 
  
DAVID E CARROW  Naic# 6617 
 
Against: Insurance Company  Location: ROCHESTER, MN 
Action: Other/Consent     
Signed: 2/3/2006  $1000 Fine 
File # IN 2507852 MBF  
Allegation:  
Allege respondent provided misleading information on a website concerning his education credentials. 
  
JILL C VIGILANTE  Lic# IN20552841 
 
Against: Insurance Agent  Location: BIG LAKE, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 2/3/2006  
File # IN 2507858 JCJ  
Allegation:  
Order denying licensure 
  
JOSEPH F RUIZ  Lic# IN231701 
 
Against: Insurance Agent  Location: SO ST PAUL, MN 
Action: Summary Suspension, Notice of     
Signed: 2/9/2006  
File # IN 2507230 MBF  
Allegation:  
Provided false information to the Commissioner and sold fraudulent insurance documents and converted the monies paid for the documents. 
  
JOHN C SWEENEY  Lic# IN20528424 
 
Against: Insurance Agent  Location: CHESAPEAKE, VA 
Action: Suspension/Consent  Begin: 2/16/2006    End: 
Signed: 2/16/2006  
File # IN 2505029 JCJ  
Allegation:  
License suspended. Consented to conditions. 
  
RALPH R RABASCO  Lic# IN20500663 
 
Against: Insurance Agent  Location: RICHFIELD, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 2/16/2006  
File # IN 2506818 KB  
Allegation:  
Allege respondent attempted to transfer insurance investments from one company to another based on forged authorization forms and has demonstrated he is untrustworthy 
  
RALPH R RABASCO  Lic# IN20500663 
 
Against: Insurance Agent  Location: RICHFIELD, MN 
Action: Summary Suspension, Notice of     
Signed: 2/16/2006  
File # IN 2506818 KB  
Allegation:  
Allege respondent attempted to transfer insurance investments from one company to another based on forged authorization forms and has demonstrated he is untrustworthy. 
  
LISA SUE MIZE  Lic# IN20327189 
 
Against: Insurance Agent  Location: SUMMERSVILLE, WV 
Action: Revocation/Hearing  Begin: 2/17/2006    End: Indefinite 
Signed: 2/17/2006  
File # IN 2503895 JCJ  
Allegation:  
Insurance Producer License revoked. Allege respondent provided false, misleading or incomplete information on an application. 
  
WESTERN AND SOUTHERN LIFE INSURANCE COMPANY (THE)  Naic# 70483 
 
Against: Insurance Company  Location: CINCINNATI, OH 
Action: Other/Consent     
Signed: 2/27/2006  
File # IN 2505937 PEG  
Allegation:  $1000 Other 
Multistate settlement of race-based allegations 
  
MICHAEL R RIDGE  Lic# IN20119672 
 
Against: Insurance Agent  Location: CAMBRIDGE, MN 
Action: Summary Suspension, Notice of     
Signed: 3/1/2006  
File # IN 2502038 MBF  
Allegation:  
Allege respondent has demonstrated untrustworthiness and incompetence because of his criminal convictions and charges, failure to provide required application information and for providing misleading or incorrect application information. 
  
JOHN CARL SPARBY  Lic# IN20552833 
 
Against: Insurance Agent  Location: FARMINGTON, MN 
Action: Other/Consent     
Signed: 3/1/2006  
File # IN 2507860 JCJ  
Allegation:  
License Clear/Consent Order - Shall make full payment towards court judgment, immediately notify Commissioner of any breach of Order, remain law abiding, agreed to revocation if in violation. 
  
HAGERTY CLASSIC MARINE INS AGCY INC  Lic# IA20561611 
 
Against: Insurance Agency  Location: TRAVERSE CITY, MI 
Action: Cease & Desist/Consent     
Signed: 3/20/2006  $5000 Fine 
File # IN 2601416 JCJ  
Allegation:  
Allege respondent failed to renew license but continued to solicit, negotiate and sell insurance products in the state of Minnesota. 
  
KENNETH R ROBERTS  Lic# IN20493469 
 
Against: Insurance Agent  Location: MINNETONKA, MN 
Action: Revocation/Consent  Begin: 3/30/2006    End: Indefinite 
Signed: 3/31/2006  
File # IN 2504616 MBF  
Allegation:  
Allege respondent has been convicted of a felony involving immoral turpitude. 
  
AMERICAN FAMILY MUTUAL INSURANCE COMPANY  Naic# 19275 
 
Against: Insurance Company  Location: MADISON, WI 
Action: Other/Consent     
Signed: 3/31/2006  $2000 Fine 
File # IN 2506031 MBF  
Allegation:  
Allege respondent failed to immediately terminate a producer¨s appointment who had engaged in activities prohibited by MN Stat 45.027 and 18 USC 1033. 
  
MOUNTAIN MUDD LLC  Lic# UC20573357 
 
Against: Unlicensed Company  Location: BILLINGS, MT 
Action: Cease & Desist/Consent     
Signed: 4/3/2006  $2000 Fine 
File # IN 2503643 BD  
Allegation:  
Allege respondent offered and sold an unregistered franchise in Minnesota. 
  
FOREMOST SIGNATURE INSURANCE COMPANY  Naic# 41513 
 
Against: Insurance Company  Location: GRAND RAPIDS, MI 
Action: Other/Consent     
Signed: 4/3/2006  $1000 Fine 
File # IN 2506840 KJH  
Allegation:  
Allege respondent failed to disclose the coverage and limits of an insurance policy within 30 days after request in writing. 
  
GREAT AMERICAN INSURANCE COMPANY  Naic# 16691 
 
Against: Insurance Company  Location: CINCINNATI, OH 
Action: Civil Penalty     
Signed: 4/3/2006  $2500 Fine 
File # IN 2601106 SMK  
Allegation:  
Allege respondent failed to respond in a timely manner to a claim document request made by an insured regarding a personal automobile protection claim. 
  
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS  Naic# 60380 
 
Against: Insurance Company  Location: COLUMBUS, GA 
Action: Cease & Desist/Consent     
Signed: 4/4/2006  $15000 Fine 
File # IN 2407653 MBF  
Allegation:  
Allege respondent provided an inaccurate response to the Commissioner and issued policies without reasonable grounds for believing that the contracts were suitable for the purchasers. 
  
PACIFIC LIFE INSURANCE COMPANY  Naic# 67466 
 
Against: Insurance Company  Location: NEWPORT BEACH, CA 
Action: Cease & Desist/Consent     
Signed: 4/5/2006  $975000 Fine 
File # IN 2205082 MBF  
Allegation:  
Allege respondent failed to maintain an adequate system of control to monitor independent producer's grounds for recommendations were suitable and various advertising violations. 
  
RALPH R RABASCO  Lic# IN20500663 
 
Against: Insurance Agent  Location: RICHFIELD, MN 
Action: Revocation/Consent  Begin: 4/6/2006    End: Indefinite 
Signed: 4/6/2006  $5000 Fine 
File # IN 2506818 KB  
Allegation:  
Allege respondent forged signatures to replacement forms and used fraudulent, coercive and dishonest practices involving the business of insurance. 
  
PLATINUM SVCS INC  Lic# IA20197054 
 
Against: Insurance Agency  Location: DUBUQUE, IA 
Action: Cease & Desist/Consent     
Signed: 4/11/2006  $1000 Fine 
File # IN 2602657 JCJ  
Allegation:  
Failed to renew license but continued to solicit, negotiate, and sell insurance products in Minnesota. 
  
MARYLAND CASUALTY COMPANY  Naic# 19356 
 
Against: Insurance Company  Location: SCHAUMBURG, IL 
Action: Civil Penalty     
Signed: 4/12/2006  $5000 Fine 
File # IN 2508041 SMK  
Allegation:  
Failed to acknowledge receipt of a claim and failed to reply to a claimant's correspondence regarding a claim. 
  
JESSICA A JORDAN  Lic# IN20561982 
 
Against: Insurance Agent  Location: PARK RAPIDS, MN 
Action: Other/Consent     
Signed: 4/12/2006  
File # IN 2601849 JCJ  
Allegation:  
License Clear - Consent to conditions. 
  
MSI PREFERRED INSURANCE COMPANY  Naic# 42951 
 
Against: Insurance Company  Location: ST PAUL, MN 
Action: Civil Penalty     
Signed: 4/13/2006  $1000 Fine 
File # IN 2501487 MBF  
Allegation:  
Allege respondent agrees that they inadvertently failed to provide a complete claim file as requested by the commissioner. 
  
NENG LEE  Lic# IN20567028 
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Civil Penalty     
Signed: 4/18/2006  $500 Fine 
File # IN 2602928 KB  
Allegation:  
Allege respondent provided incorrect and misleading information on his insurance producer's license application. 
  
CONSECO INSURANCE COMPANY  Naic# 60682 
 
Against: Insurance Company  Location: CARMEL, IN 
 Naic# 76325 
 
Against: Insurance Company  Location: CARMEL, IN 
CONSECO LIFE INSURANCE COMPANY  Naic# 65900 
 
Against: Insurance Company  Location: CARMEL, IN 
CONSECO HEALTH INSURANCE COMPANY  Naic# 78174 
 
Against: Insurance Company  Location: CARMEL, IN 
Action: Other/Consent     
Signed: 4/21/2006  $2500000 Fine Shared penalty 
File # IN 2007426 PEG  
Allegation:  
Multi-company group settlement. Unsuitable sales. Sale, marketing and related allegations. Miscellaneous other allegations. Shared penalty with Conseco Life IC Naic #65900 Conseco IC #60682, Conseco Health IC #78174, Conseco Senior Hlth IC #76325 
  
PATRICIA F ANDERSON  Lic# IN20266498 
 
Against: Insurance Agent  Location: HUDSON, WI 
Action: Revocation/Hearing  Begin: 5/8/2006    End: Indefinite 
Signed: 5/8/2006  $63000 Fine 
File # IN 2501401 KB  
Allegation:  
Allege respondent improperly withheld or misappropriated insurance monies, demonstrated untrustworthiness and financial irresponsibility, failed to observe high standards of commercial honor. 
  
BRETT I MAXWELL  Lic# IN20544671 
 
Against: Insurance Agent  Location: BEMIDJI, MN 
Action: Other/Hearing     
Signed: 5/8/2006  
File # IN 2506957 JCJ  
Allegation:  
Denial of insurance producer license is affirmed. 
  
ERIC B SUNDQUIST  Lic# IN10243 
 
Against: Insurance Agent  Location: PENGILLY, MN 
Action: Summary Suspension, Notice of     
Signed: 5/8/2006  
File # IN 2603181 MBF  
Allegation:  
Allege respondent failed to appear at the Department as ordered and has demonstrated financial irresponsibility and incompetence. 
  
LIFE INSURANCE COMPANY OF NORTH AMERICA  Naic# 65498 
 
Against: Insurance Company  Location: PHILADELPHIA, PA 
Action: Civil Penalty     
Signed: 5/11/2006  $1500 Fine 
File # IN 2505768 SMK  
Allegation:  
Allege respondent failed to reply within 10 days of receipt to communications regauding a claim from an insured that indicated a response was requested or needed. 
  
NORTH AMERICAN MARINE GENERAL AND INSURANCE COMPANY  Lic# UC20572898 
 
Against: Unlicensed Company  Location: PANAMA CITY, MN 
 Lic# UC20572875 
 
Against: Unlicensed Company  Location: BLAINVILLE QUEBEC, CN 
Action: Cease & Desist/Hearing     
Signed: 5/11/2006  
File # IN 2602168 SMK  
Allegation:  
Allege respondent engaged in, solicited, negotiated or issued contracts of insurance without a certificate of authority or license. 
  
NORTH AMERICAN MARINE GENERAL AND INSURANCE COMPANY  Lic# UC20572898 
 
Against: Unlicensed Company  Location: PANAMA CITY, MN 
 Lic# UC20572875 
 
Against: Unlicensed Company  Location: BLAINVILLE QUEBEC, CN 
Action: Cease & Desist/Hearing     
Signed: 5/11/2006  
File # IN 2602168 SMK  
Allegation:  
Engaged in, solicited, marlted, negotiated or issued contracts of insurance without a certificate of authority or license. FINAL 6-12-2006 
  
JILL C VIGILANTE  Lic# IN20552841 
 
Against: Insurance Agent  Location: BIG LAKE, MN 
Action: Other     
Signed: 5/12/2006  
File # IN 2507858 JCJ  
Allegation:  
Finding of Fact, Conslusions of Law and Order. 
  
SOUTHWESTERN LIFE INSURANCE COMPANY  Naic# 91391 
 
Against: Insurance Company  Location: DALLAS, TX 
Action: Other/Consent     
Signed: 5/25/2006  $150000 Fine 
File # IN 2006087 PEG  
Allegation:  
Allege respondent engaged in business of insurance without certificate of authority and sold business through unlicensed and /or unappointed agents. 
  
MICHAELA M GRAFF  Lic# IN511599 
 
Against: Insurance Agent  Location: PAYNESVILLE, MN 
Action: Suspension/Consent  Begin:    End: 
Signed: 5/25/2006  $500 Fine 
File # IN 2503657 PEG  
Allegation:  
Allege respondent borrowed money from client without providing the required documents and provided false info to our department in response to this complaint. 
  
RICHARD L BIGELOW  Lic# IN20083096 
 
Against: Insurance Agent  Location: INVER GROVE HTS, MN 
Action: Other/Consent     
Signed: 5/25/2006  $500 Fine 
File # IN 2506512 MBF  
Allegation:  
Allege respondent disclosed or caused to be disclosed the identity of an insured to another person without the consent of the insured. 
  
KEVIN J DAVIS  Lic# IN20197374 
 
Against: Insurance Agent  Location: SARTELL, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 5/25/2006  
File # IN 2600368 MBF  
Allegation:  
Allege respondent converted money received in the course of doing insurance business and engaged in activity making him unqualified to be an insurance producer. 
  
ROBERT J MITCHELL  Lic# IN7384 
 
Against: Insurance Agent  Location: SANDSTONE, MN 
Action: Other/Consent     
Signed: 6/5/2006  $40000 Fine 
File # IN 2405944 MBF  
Allegation:  
Allege respondent converted client funds demonstating untrustworthiness and financial irresponsibility. 
  
PATRICK B JOHNSON  Lic# IN20058398 
 
Against: Insurance Agent  Location: STILLWATER, MN 
Action: Other/Consent     
Signed: 6/8/2006  $300 Fine 
File # IN 2506512 MBF  
Allegation:  
Allege respondent disclosed or caused to be disclosed the identity of an insured to another person without the consent of the insured. 
  
STEWART TITLE GUARANTY COMPANY  Naic# 50121 
 
Against: Insurance Company  Location: HOUSTON, TX 
Action: Other/Consent     
Signed: 6/8/2006  $5000 Fine 
File # IN 2603580 MBF  
Allegation:  
Allege respondent delayed unreasonably in paying required examination expenses. 
  
AURORA NATIONAL LIFE ASSURANCE COMPANY  Naic# 61182 
 
Against: Insurance Company  Location: VALENCIA, CA 
Action: Cease & Desist/Consent     
Signed: 6/8/2006  $5000 Fine 
File # IN 2603710 MBF  
Allegation:  
Allege respondent failed to respond timely to the Commissioner's requests for information. 
  
BONNIE JEAN MEYER  Lic# IN20572909 
 
Against: Insurance Agent  Location: EAGAN, MN 
Action: Other/Consent     
Signed: 6/9/2006  
File # IN 2602920 JCJ  
Allegation:  
License Clear / Consent to conditions. 
  
DANIEL J OKEEFE  Lic# IN20547088 
 
Against: Insurance Agent  Location: SAVAGE, MN 
Action: Civil Penalty     
Signed: 6/14/2006  $500 Fine 
File # IN 2507084 JCJ  
Allegation:  
Allege respondent provided incorrect, misleading, incomplete or materially untrue information to the Commissioner. 
  
KEVIN MONTGOMERY  Lic# 
 
Against:  Location: 
Action: Other/Consent     
Signed: 6/16/2006  
File # IN 2603707 JCJ  
Allegation:  
Lisense Clear / Consent to conditions. 
  
MEGA LIFE AND HEALTH INSURANCE COMPANY (THE)  Naic# 97055 
 
Against: Insurance Company  Location: NO RICHLAND HILLS, TX 
Action: Other/Consent     
Signed: 6/20/2006  $75000 Fine 
File # IN 2500792 KB  
Allegation:  
Market conduct examination multi-company settlement for failing to offer a qualified plan, failing to provide premium refunds and failing to properly handle claims. 
  
CHESAPEAKE LIFE INS CO  Naic# 61832 
 
Against: Insurance Company  Location: OKLAHOMA CITY, OK 
Action: Other/Consent     
Signed: 6/20/2006  $25000 Fine 
File # IN 2500792 KB  
Allegation:  
Market conduct examination multi-company settlement for failing to offer a qualified plan, failing to provide premium refunds, and failing to properly handle claims. 
  
MID-WEST NATIONAL LIFE INSURANCE COMPANY OF TENNESSEE  Naic# 66087 
 
Against: Insurance Company  Location: NO RICHLAND HILLS, TX 
Action: Other/Consent     
Signed: 6/20/2006  $25000 Fine 
File # IN 2500792 KB  
Allegation:  
Market conduct examination multi-company settlement for failing to offer a qualified plan, failing to provide premium refunds, and failing to properly handle claims. 
  
ELDON NEIGHBOR  Lic# IN20549342 
 
Against: Insurance Agent  Location: CENTRAL CITY, IA 
Action: Other/Consent     
Signed: 6/28/2006  $500 Fine 
File # IN 2600532 JCJ  
Allegation:  
Allege respondent provided incorrect, misleading, or material untrue information in licensing application. 
  
SCHMITT, STEVEN E Lic#  7007
 
Against:    Individual Licensee Location:    ROCHESTER, MN
Action:    Consent Order
Signed Date:   6/28/2006
E-Case #   13     Inv File #  55  MF Penalty:    $1,000
Allegation:
Allege Resp failed to notify the insurer of or engage in the processing of a claim reported to his agency by a claimant.
  
GIACHERIO, JERRY J Lic#  111795
 
Against:    Individual Licensee Location:    BESSEMER, MI
Action:    License, Other
Signed Date:   6/30/2006
E-Case #   11     Inv File #    CJ Penalty:    $500
Allegation:
Civil Penalty and Agreement. $500 penalty.
  
CHAD M SEMLING  Lic# IN20359851 
 
Against: Insurance Agent  Location: WINONA, MN 
Action: Summary Suspension, Notice of     
Signed: 6/29/2006  
File # IN 2602146 MBF  
Allegation:  
Allege respondent demonstrated untrustworthiness and prepared false insurance statements. He also misrepresented the terms of actual or proposed insurance contracts. 
  
RICK ORAL GULSETH  Lic# IN20581253 
 
Against: Insurance Agent  Location: GRAND RAPIDS, MN 
Action: Other/Consent     
Signed: 6/29/2006  
File # IN 2603820 JCJ  
Allegation:  
License issued upon agreeing to terms and conditions outlined in Consent Order. 
  
JOHNSON, ANGELA CLARE Lic#  20131713
 
Against:    Individual Licensee Location:    MINNEAPOLIS, MN
Action:    Hearing
Signed Date:   7/14/2006
E-Case #   2     Inv File #  163  CJ
Allegation:
Order for Hearing, Summary Suspension and Staement of Charges.
  
JOSEPH F RUIZ  Lic# IN231701 
 
Against: Insurance Agent  Location: SO ST PAUL, MN 
Action: Revocation/Hearing  Begin:    End: Indefinite 
Signed: 7/20/2006  $6500 Fine 
File # IN 2507230 MBF  
Allegation:  
Allege respondent misappropriated insurance premiums and sold fake insurance binders which demonstrates dishonesty, untrustworthiness, financial irresponsibility and making him unqualified to be an insurance producer. 
  
HEARTLAND TITLE LLC  Lic# IA20309016 
 
Against: Insurance Agency  Location: ST CLOUD, MN 
 Lic# IN20023605 
 
Against: Insurance Agent  Location: ST CLOUD, MN 
Action: Cease & Desist/Consent     
Signed: 8/1/2006  $10000 Fine 
File # IN 2603220 KB  
Allegation:  
Allege respondent failed to obtain an agency license after receiving a formal warning from the department and continued to solicit, negotiate and sell insurance without having a license. 
  
HERLEN C PORTERFIELD  Lic# IN20317371 
 
Against: Insurance Agent  Location: LANSDOWNE, PA 
Action: Order for Hrg/Statement of Charges     
Signed: 8/4/2006  
File # IN 2504607 JCJ  
Allegation:  
Allege respondent submitted false, incorrect, misleading and incomplete information to the department. Failed to notify the Department of administrative actions and license revocations. 
  
JACQUELINE A JEPPESEN  Lic# IN20561320 
 
Against: Insurance Agent  Location: MTKA, MN 
Action: Other/Consent     
Signed: 8/8/2006  
File # IN 2601403 JCJ  
Allegation:  
License issued upon agreeing to terms and conditions outlined in Consent Order. 
  
DARCEL M JONES  Lic# IN20571641 
 
Against: Insurance Agent  Location: EAST BETHEL, MN 
Action: Other/Consent     
Signed: 8/8/2006  
File # IN 2602689 JCJ  
Allegation:  
License Clear - Consented to conditions before issuing license. 
  
CALVIN J BARLOCKER  Lic# IN18275 
 
Against: Insurance Agent  Location: SALINAS, CA 
Action: Other/Consent     
Signed: 8/9/2006  $8000 Fine 
File # IN 2408353 JCJ  
Allegation:  
Allege respondent provided false, misleading, or incomplete information to the Commissioner. Failed to report administrative actions within the required time period. 
  
EARLEY, JONATHAN S Lic#  53979
 
Against:    Individual Licensee Location:    BROOKLYN PARK, MN
Action:    License, Suspended Begin:    8/11/2006    End: 
Signed Date:   8/11/2006
E-Case #   7     Inv File #  809  JM
Allegation:
Earley sold fraudulent certificates of automobile insurance 72A.20, Subd. 18, 60K.43, Subd. 1 (4) (8)
  
STEWART, SHERRY A Lic#  40031831
 
Against:    Individual Licensee Location:    AITKIN, MN
Action:    Consent Order
Signed Date:   8/29/2006
E-Case #   14     Inv File #  702  MF Penalty:    $500
Allegation:
Allege Resp backdated an insurance policy for an insured.
  
STEWART, SHERRY A Lic#  20170527
 
Against:    Individual Licensee Location:    AITKIN, MN
Action:    Consent Order
Signed Date:   8/29/2006
E-Case #   14     Inv File #  702  MF Penalty:    $500
Allegation:
Allege Resp backdated an insurance policy for an insured.
  
JOHNSON, DAREN L Lic#  20026253
 
Against:    Individual Licensee Location:    HAM LAKE, MN
Action:    Consent Order
Signed Date:   9/5/2006
E-Case #   10     Inv File #  201  MF Penalty:    $5,000
Allegation:
 
  
PRUDENTIAL INSURANCE COMPANY OF AMERICA  Naic# 68241 
 
Against: Insurance Company  Location: NEWARK, NJ 
Action: Other/Consent     
Signed: 9/5/2006  $5000 Fine 
File # IN 2302950 MBF  
Allegation:  
Allege respondent negligently sent a letter intended for the department to an unrelated policyholder. Respondent there by disclosed another policy holder's name and policy number to the unrelated policyholder. 
  
MARK G HOWITZ  Lic# IN20373587 
 
Against: Insurance Agent  Location: CRYSTAL, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 9/5/2006  
File # IN 2507069 JCJ  
Allegation:  
Allege respondent demonstrated that he is untrustworthy, financially irresponsible, or otherwise incompetent or unqualified to act under the authority or license granted by the Commissioner. 
  
MICHAEL J WERRELL  Lic# IN20464795 
 
Against: Insurance Agent  Location: CHAMPLIN, MN 
Action: Other/Consent     
Signed: 9/5/2006  $4500 Fine 
File # IN 2600781 MBF  
Allegation:  
Allege respondent negligently issued a certificate of liability insurance which showed multiple lines of coverage including one which the insured did not have. 
  
DUANE R WOLFF  Lic# IN263449 
 
Against: Insurance Agent  Location: DULUTH, MN 
Action: Other/Consent     
Signed: 9/5/2006  $5000 Fine 
File # IN 2603427 MBF  
Allegation:  
Allege respondent has provided misleading and incomplete information to the Commissioner and failed to notify the insurer of a claim or engage in processing the claim. 
  
RUBY MARIE CAMPBELL  Lic# IN20547784 
 
Against: Insurance Agent  Location: BAGLEY, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 9/5/2006  
File # IN 2603809 JCJ  
Allegation:  
Allege respondent provided false, misleading or materially untrue information to the Commissioner by not disclosing on a license application a felony conviction involving employment fraud. 
  
BANKERS MORTGAGE COMPANY  Lic# MO20185025 
 
Against: Mortgage Originator  Location: BURNSVILLE, MN 
Action: Civil Penalty     
Signed: 9/12/2006  $500 Fine 
File # IN 2504134 MBF  
Allegation:  
Allege respondent failed to properly supervise its employee, a mortgage loan officer to ensure that he responded timely to the commissioner. 
  
EARLEY, JONATHAN S Lic#  53979
 
Against:    Individual Licensee Location:    BROOKLYN PARK, MN
Action:    License, Revoked Begin:    9/19/2006    End: Indefinite
Signed Date:   9/19/2006
E-Case #   7     Inv File #  809  JM
Allegation:
72A.20, Subd. 18, 60K.43, Subd. 1 (4)(8)
  
BARBARA J SCHUMACHER  Lic# IN1011821 
 
Against: Insurance Agent  Location: NEW RICHMOND, WI 
Action: Other/Consent     
Signed: 9/21/2006  $3500 Fine 
File # IN 2602572 KB  
Allegation:  
Allege respondent misrepresented the terms of an actual insurance contract and demonstrated untrustworthiness involving the business of insurance. 
  
EVANSTON INSURANCE COMPANY  Naic# 35378 
 
Against: Insurance Company  Location: DEERFIELD, IL 
 Naic# 
 
Against: Insurance Company  Location: DEERFIELD, IL 
Action: Civil Penalty     
Signed: 9/22/2006  $3500 Fine 
File # IN 2601964 SMK  
Allegation:  
Allege respondent failed to perform a reasonable investigation, did not effectuate a fair settlement in a liability claim where liability had become reasonably clear. 
  
MURNION, BART W Lic#  20265747
 
Against:    Individual Licensee Location:    MPLS, MN
Action:    License, Revoked Begin:    9/22/2006    End: Indefinite
Signed Date:   9/22/2006
E-Case #   22     Inv File #  22  PG
Allegation:
 
  
MURNION, BART W Lic#  20398382
 
Against:    Individual Licensee Location:    MPLS, MN
Action:    License, Revoked Begin:    9/22/2006    End: Indefinite
Signed Date:   9/22/2006
E-Case #   22     Inv File #  22  PG
Allegation:
 
  
MURNION, BART W Lic#  20398382
 
Against:    Individual Licensee Location:    MPLS, MN
Action:    Consent Order
Signed Date:   9/22/2006
E-Case #   22     Inv File #  22  PG
Allegation:
 
  
MURNION, BART W Lic#  20265747
 
Against:    Individual Licensee Location:    MPLS, MN
Action:    Consent Order
Signed Date:   9/22/2006
E-Case #   22     Inv File #  22  PG
Allegation:
 
  
DODGE, DALE C Lic#  20339620
 
Against:    Individual Licensee Location:    MINNEAPOLIS, MN
Action:    Hearing
Signed Date:   9/26/2006
E-Case #   4     Inv File #  862  KB
Allegation:
Statement of Charges/ORder for Hearing because Respondent allegedly improperly converted and withheld funds in their insurance agency business; demonstrated untrustworthiness, incompentence, and financial irresponsibility, committed fraudulent and deceptive practices, and improperly comingled funds.
  
POWERHOUSE TITLE LLC Lic#  
 
Against:    Miscellaneous Organization Location:    N/A, MN
Action:    Consent Order
Signed Date:   9/26/2006
E-Case #   18     Inv File #  381  CJ Penalty:    $100,000
Allegation:
Engaged in the business of insurance without a license, accepted commissions from title company, unlicensed persons, failed to ensure referral partners were disclosing their affiliatged business aggangements.
  
VERITY TITLE ABSTRACT INC Lic#  2000136
 
Against:    Firm Location:    BLOOMINGTON, MN
Action:    Hearing
Signed Date:   9/26/2006
E-Case #   3     Inv File #  861  KB
Allegation:
Statement of Charges - Order for hearing. Its alleged respondent improperly converted and withheld funds in their insurance agency business; committed fraudulent and deceptive practices; demonstrated untrustworthiness, incompentence and financial irresponsibility; and improperly comingled funds.
  
POWERHOUSE TITLE LLC  Lic# 
 
Against:  Location: 
Action: Cease & Desist/Consent     
Signed: 9/26/2006  $100000 Fine 
File # IN 2601570 JCJ  
Allegation:  
Allege respondent engaged in the business of insurance without a license, accepted commissions from Title Company, unlicensed persons, failed to ensure referral partners were disclosing their affiliated business arrangements. 
  
STEVEN MICHAEL ACOSTA  Lic# IN20250699 
 
Against: Insurance Agent  Location: PASADENA, CA 
Action: Civil Penalty     
Signed: 10/4/2006  $500 Fine 
File # IN 2501085 KB  
Allegation:  
Allege respondent failed to report a criminal conviction to the department in the time required. 
  
DODGE BUSCH, CRYSTAL LYNN Lic#  20491915
 
Against:    Individual Licensee Location:    BURNSVILLE, MN
Action:    Hearing
Signed Date:   10/5/2006
E-Case #   5     Inv File #  863  KB
Allegation:
Hearing set for november 1.
  
DODGE BUSCH, CRYSTAL LYNN Lic#  20491915
 
Against:    Individual Licensee Location:    BURNSVILLE, MN
Action:    License, Suspended Begin:    10/5/2006    End: 
Signed Date:   10/5/2006
E-Case #   5     Inv File #  863  KB
Allegation:
Summary Suspension/Statment of Charges -- Based on allegations that respondent improperly converted and withheld funds, committed fraud and deceptive practices, and improperly commingled funds.
  
KUJAWA, MARK ARTHUR Lic#  
 
Against:    Non-Licensed Individual Location:    FARMINGTON, MN
Action:    Consent Order
Signed Date:   10/6/2006
E-Case #   53     Inv File #  1048  CJ
Allegation:
10-06-2006 Consent Order. Respondent agreed to the terms and conditions outlined in order. Effective until 10/06/2011.
  
PAQUETTE, NANCY L Lic#  20052477
 
Against:    Individual Licensee Location:    DELAFIELD, WI
Action:    License, Revoked Begin:    10/6/2006    End: Indefinite
Signed Date:   10/6/2006
E-Case #   17     Inv File #  344  MF
Allegation:
 
  
NANCY L PAQUETTE  Lic# IN20052477 
 
Against: Insurance Agent  Location: DELAFIELD, WI 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 10/6/2006  
File # IN 2603845 MBF  
Allegation:  
In WI respondent converted money received in the insurance business, misrepresented the terms of insurance contracts and other activity. 
  
ROOKER, TODD A Lic#  37170
 
Against:    Individual Licensee Location:    MAPLE GROVE, MN
Action:    Consent Order
Signed Date:   10/18/2006
E-Case #   23     Inv File #  759  PG Penalty:    $250
Allegation:
Allege Resp set up an arrangement where client deposited monthly policy premium into his business account and insurer withdrew premium through automatic withdraw. Resp engaged in improper conduct pursuant to a phone conversation with client.
  
REBECCA A CLAYTON  Lic# IN20184936 
 
Against: Insurance Agent  Location: NEW LONDON, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 10/19/2006  
File # IN 2404257 KB  
Allegation:  
Respondent improperly withheld, misppropriated or converted money received in the course of doing insurance business; and demonstrated incompetence, untrustworthiness or financial irresponsibility. 
  
CHAD M SEMLING  Lic# IN20359851 
 
Against: Insurance Agent  Location: WINONA, MN 
Action: Revocation/Hearing  Begin:    End: Indefinite 
Signed: 10/19/2006  $50000 Fine 
File # IN 2602146 MBF  
Allegation:  
Allege respondent demonstrated untrustworthiness and prepared false insurance statements. Respondent also misrepresented the terms of actual or proposed insurance contracts. 
  
GARY C WHITE  Lic# IN526063 
 
Against: Insurance Agent  Location: EDEN PRAIRIE, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 10/23/2006  
File # IN 2406691 KB  
Allegation:  
Allege respondent improperly withheld, misappropriated or converted money received in the course of doing insurance business; and demonstrated incompetence, or financial irresponsibility. 
  
SCENIC TITLE AND ABSTRACT, INC. Lic#  
 
Against:    Firm Location:    TWO HARBORS, MN
Action:    Consent Order
Signed Date:   10/23/2006
E-Case #   20     Inv File #  1501  KB Penalty:    $7,500
Allegation:
Respondent has been operating as an unlicensed title insurance agency since 1999. During that time, Respondent continuously solicited, negotiated and sold title insurance procucts without being properly licensed.
  
SHARON R TURNBOOM  Lic# IN20040534 
 
Against: Insurance Agent  Location: DULUTH, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 10/25/2006  
File # IN 2309213 KB  
Allegation:  
Allege respondent forged another's name to an application for insurance and used fraud, coercive and dishonest practices involving the business of insurance. 
  
SELECTIVE INSURANCE COMPANY OF AMERICA  Naic# 12572 
 
Against: Insurance Company  Location: BRANCHVILLE, NJ 
Action: Civil Penalty     
Signed: 11/7/2006  $2500 Fine 
File # IN 2602677 SMK  
Allegation:  
Allege respondent failed to notify insured of benefits relating to a claim and the documentation needed for those benefits; partially denied a claim without reasonable investigation. 
  
FIVE STAR MORTGAGE INC  Lic# MO20336293 
 
Against: Mortgage Originator  Location: COTTAGE GROVE, MN 
Action: Civil Penalty     
Signed: 11/9/2006  $10000 Fine 
File # IN 2507802 PEG  
Allegation:  
Allege respondent failed to disclose affiliated business arrangement. Engaged in unlicensed activity, accepted kickbacks and violated RESPA. 
  
METROPOLITAN LIFE INSURANCE COMPANY Naic#  65978
 
Against:    Company Location:    Tampa, FL
Action:    Consent Order
Signed Date:   11/8/2006
E-Case #   33     Inv File #  1263  JM Penalty:    $5,000
Allegation:
Allege Resp failed to properly acknowledge receipt of notification of claim from an insured within 10 business days, failed to complete its investigation and inform the insured of acceptance or denial within 30 business days.
  
SKJERVEN, DAVID A Lic#  78964
 
Against:    Individual Licensee Location:    AUDUBON, MN
Action:    Summary Suspension
Signed Date:   11/13/2006
E-Case #   24     Inv File #  1368  CJ
Allegation:
Notice of and Order For Hearing, Order to Show Cause, Order for Summary Suspension, and Statement of Charges. Scheduled for Tuesday December 12, 2006 at 9:30 a.m.
  
HOMESITE INSURANCE COMPANY OF THE MIDWEST Naic#  13927
 
Against:    Company Location:    BOSTON, MA
Action:    Consent Order
Signed Date:   11/17/2006
E-Case #   51     Inv File #  567  MM Penalty:    $1,000
Allegation:
Respondent non-renewed numerous homeowner policies in violation of rule 2880.400
  
BARNES, CHERYL ANN Lic#  20401281
 
Against:    Individual Licensee Location:    VICTORIA, MN
Action:    Summary Suspension
Signed Date:   11/30/2006
E-Case #   27     Inv File #  1381  CJ
Allegation:
Summary supension and Statement of charges.
  
METLIFE INVESTORS USA INSURANCE COMPANY  Naic# 61050 
 
Against: Insurance Company  Location: NEWPORT BEACH, CA 
Action: Other/Consent     
Signed: 12/7/2006  $250000 Fine 
File # IN 2602344 MBF  
Allegation:  
Allege respondent issued oregon form annuity contracts to Minnesota residents which were improperly sold by respondents agent. 
  
DRAHOS YOUNG Lic#  20527684
 
Against:    Firm Location:    BEMIDJI, MN
Action:    Consent Order
Signed Date:   12/11/2006
E-Case #   28     Inv File #  1989  KB Penalty:    $7,500
Allegation:
Respondent solicited, negotiated, and sold title insurance products without an agency license since 1999.
  
ST LOUIS COUNTY TITLE COMPANY Lic#  
 
Against:    Firm Location:    DULUTH, MN
Action:    Consent Order
Signed Date:   12/11/2006
E-Case #   29     Inv File #  2206  MF Penalty:    $50,000
Allegation:
Respondent paid kickbacks and other things of value for the referral of title insurance business; Respondent operated a title insurance agency without an agency license.
  
ST LOUIS COUNTY TITLE COMPANY Lic#  
 
Against:    Firm Location:    DULUTH, MN
Action:    Cease & Desist from Violations
Signed Date:   12/11/2006
E-Case #   29     Inv File #  2206  MF
Allegation:
 
  
STERNER, PHILLIP M Lic#  1010066
 
Against:    Individual Licensee Location:    ROSEMOUNT, MN
Action:    Consent Order
Signed Date:   12/11/2006
E-Case #   30     Inv File #  1032  PG Penalty:    $1,000
Allegation:
Allege Resp acting as a supervising agent failed to comply with his duties regarding time elapsed between issuance of an insurance binder and submission of application to the insurer. Resp shall establish policies and procedures, and a designated person to ensure compliance.
  
MURRAY COUNTY ABSTRACT & TITLE, INC. Lic#  
 
Against:    Firm Location:    MARSHALL, MN
Action:    Consent Order
Signed Date:   12/12/2006
E-Case #   31     Inv File #  2042  KB Penalty:    $10,000
Allegation:
Respondent has been selling, soliciting, and negotiating title insurance products in Minnesota since 1996 without an agency license.
  
VELDHOUSE INSURANCE AGENCY INC. Lic#  
 
Against:    Firm Location:    COTTAGE GROVE, MN
Action:    License, Granted
Signed Date:   12/12/2006
E-Case #   34     Inv File #  2011  CJ
Allegation:
Consent to terms and condition before licensure.
  
HERON LAKE AGCY INC Lic#  20044409
 
Against:    Firm Location:    HERON LAKE, MN
Action:    Cease & Desist from Violations
Signed Date:   12/14/2006
E-Case #   25     Inv File #  1691  MF Penalty:    $10,000
Allegation:
Allege Resp allowed unlicensed individuals to engage in sales, solicitation or negotiation of insurance for which a license was required. Failed to maintain an individual licensed producer to be responsible for business complicance. Agency must maintain a licensed producer at all times.
  
HORACE MANN INSURANCE COMPANY Naic#  22578
 
Against:    Company Location:    SPRINGFIELD, IL
Action:    Consent Order
Signed Date:   12/14/2006
E-Case #   42     Inv File #  1332  KH Penalty:    $5,000
Allegation:
Allege Respondent failed to promptly pay arbitration awards.
  
WILLIAM G GERGA  Lic# IN297541 
 
Against: Insurance Agent  Location: WHITE BR LK, MN 
Action: Other/Consent     
Signed: 12/19/2006  $10000 Fine 
File # IN 2602344 MBF  
Allegation:  
Allege respondent has sold unapproved annuity contracts in Minnesota. 
  
MEDICA INSURANCE COMPANY  Naic# 12459 
 
Against: Insurance Company  Location: MINNEAPOLIS, MN 
Action: Other/Consent     
Signed: 12/19/2006  $2500 Fine 
File # IN 2603606 UMB  
Allegation:  
Allege respondent improperly canceled a group health insurance policy. 
  
MEDICA INSURANCE COMPANY Naic#  12459
 
Against:    Company Location:    Minneapolis, MN
Action:    Consent Order
Signed Date:   12/19/2006
E-Case #   35     Inv File #  1527  UB Penalty:    $5,000
Allegation:
Allege Resp improperly cancelled two group policies for non-payment of premiums in that it failed to provide adequate notice to individual members. Resp shall implement revised procedures to ensure compliance.
  
TURNER, RICK A Lic#  20378291
 
Against:    Individual Licensee Location:    EAST LANSING, MI
Action:    Consent Order
Signed Date:   12/19/2006
E-Case #   41     Inv File #  1975  CJ
Allegation:
Failed to report administrative action within required time limit
  
PROGRESSIVE NORTHERN INSURANCE COMPANY Naic#  38628
 
Against:    Company Location:    Cleveland, OH
Action:    Cease & Desist from Violations
Signed Date:   12/21/2006
E-Case #   19     Inv File #  1618  MF Penalty:    $2,500
Allegation:
Allege Resp failed to promptly pay arbitration awards. Resp shall, within 10 days of the date of this fully executed order, create procedures to ensure that arbitration awards are paid timely.
  
REIMRINGER, TONI ANN Lic#  20384901
 
Against:    Individual Licensee Location:    BLAINE, MN
Action:    Consent Order
Signed Date:   12/21/2006
E-Case #   44     Inv File #  1130  SK Penalty:    $500
Allegation:
Failed to notify an involved insurer or engage in the processing of a claim reported to her by a claimant (Minn. Stat. ¿ 72A.201, Subd. 4); Failed to notify Department of a change in licensing information within the time required (Minn. Stat. ¿ 60K.38, Subd. 4).
  
MARK D HOLT  Lic# IN20154316 
 
Against: Insurance Agent  Location: SHOREVIEW, MN 
Action: Other/Consent     
Signed: 12/21/2006  $5000 Fine 
File # IN 2501632 MBF  
Allegation:  
Allege respondent had client's sign blank documents. Sold unsuitable contracts to two clients and failed to deliver contracts. 
  
CARL V GRIFFIN  Lic# IN9032 
 
Against: Insurance Agent  Location: ROCHESTER, MN 
Action: Civil Penalty     
Signed: 12/21/2006  $2000 Fine 
File # IN 2600847 PEG  
Allegation:  
Allege respondent failed to remit application and premium to insured in a timely manner and failed to adequately supervise staff. 
  
SYNERGY SOLUTIONS  Lic# 
 
Against:  Location: 
Action: Cease & Desist/Consent     
Signed: 12/21/2006  $2500 Fine 
File # IN 2603021 JCJ  
Allegation:  
Allege respondent solicited, negotiated and sold insurance products in the state of Minnesota without being properly licensed. 
  
MICHAEL JOSEPH MURPHY  Lic# IN20228 
 
Against: Insurance Agent  Location: DEEPHAVEN, MN 
Action: Other/Consent     
Signed: 12/27/2006  $7500 Fine 
File # IN 2602593 PEG  
Allegation:  
Allege respondent sold unapproved annuity contracts. 
  
GALLIVAN, ROBERT J Lic#  197240
 
Against:    Individual Licensee Location:    ST PAUL, MN
Action:    License, Revoked Begin:    12/27/2006    End: Indefinite
Signed Date:   12/27/2006
E-Case #   38     Inv File #  2285  PG
Allegation:
Allege Resp violated Minn. Stat. 60K.43 Subd. 1 (2)(2004)