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Archived Insurance Enforcement Actions 2002


 Archived Insurance Enforcement Actions 2002

 
PATRICK DOYLE  Lic# IN35742  
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Suspension/Consent     Begin: 1/28/2002 End: 2/3/2002 
Signed: 1/17/2002  $1000 Fine 
File # IN 9906689 PEG  
Allegation:  
Resp. altered application and provided two (2) inaccurate binders to the insured's mortgage company for coverage that was not in force.  
  
PROGRESSIVE SPECIALTY INSURANCE COMPANY  Naic# 32786  
 
Against: Insurance Company  Location: MAYFIELD VILLAGE, OH 
Action: Other/Consent     
Signed: 1/23/2002  $2000 Fine 
File # IN 2104183 SMK  
Allegation:  
Resp denied auto claim.  
  
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA  Naic# 60275  
 
Against: Insurance Company  Location: MIAMI, FL 
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA  Naic# 10111  
 
Against: Insurance Company  Location: MIAMI, FL 
Action: Other/Consent     
Signed: 1/23/2002  $66000 Fine 
File # IN 2205468 PDH  
Allegation:  
Resp. failed to comply with compliance plan under 1998 Consent Order.  
  
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA  Naic# 10111  
 
Against: Insurance Company  Location: MIAMI, FL 

AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA  Naic# 60275  
 
Against: Insurance Company  Location: MIAMI, FL 
Action: Other/Consent     
Signed: 1/23/2002  
File # IN 9908353 PDH  
Allegation:  
Resp. has failed to completely implement the compliance plan and is therefore in violation of the 1998 Order.  
  
JOHN GRIFFIN  Lic# IN7751  
 
Against: Insurance Agent  Locati on: WOODBURY, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
 
Signed: 1/25/2002  
File # IN 2109327 LJ  
Allegation:  
Resp. owner failed to remit trust funds to clients after being notified that the court no longer required them to maintain a bail bond and failed to remit premiums due to bail bond company.  
  
NEW YORK LIFE INSURANCE COMPANY  Naic# 66915  
 
Against: Insurance Company  Location: NEW YORK, NY 
Action: Other/Consent     
Signed: 1/31/2002  $1000 Fine 
File # IN 2008040 BD  
Allegation:   
Resp. failed to provide adequate notice or investigate claim in a timely manner.  
  
IDS LIFE INSURANCE COMPANY  Naic# 65005  
 
Against: Insurance Company  Location: MINNEAPOLIS, MN 
Action: Other/Consent     
Signed: 1/31/2002  $15000 Fine 
File # IN 2102149 UMB  
Allegation:   
Resp. issued a deferred annuity certificate that was deemed to be not suitable for the customer.  
  
JEFFREY GARGARO  Lic# IN9589  
 
Against: Insurance Agent  Location: EDINA, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 2/1/2002  
File # IN 2200750 DPK  
Allegation:  
Resp. misappropriated funds belonging to another for his personal use.  
  
DUANE WOLFF  Lic# IN63449  
 
Against: Insurance Agent  Location: DULUTH, MN 
Action: Other/Consent     
Signed: 2/4/2002  $3000 Fine 
File # IN 2103319 SMK  
Allegation:   
Resp. failed to disclose agency fees for service and placed insurance with a surplus lines insurer.  
  
BILL OLSON CHEVROLET CO  Lic# UC0318425 
d/b/a MARK PETERSONS CROSSROADS MOTORS 
Against: Unlicensed Company  Loc ation: ALBERT LEA, MN 
Action: Cease & Desist/Consent     
Signed: 2/4/2002  
File # IN 2108704 ESF  
Allegation:   
Resp. failed to prepare contracts with proper disclose terms, exclusions of credit insurance, refund unearned finance charges and premiums, inform of rights in insolvency.  
  
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA  Naic# 10111  
 
Against: Insurance Company  Location: MIAMI, FL 
Action: Order for Hrg/Statement of Charges     
Signed: 2/5/2002  
File # IN 9908353 PDH  
Allegation:   
Sale of unapproved insurance, failure to respond.  
  
JOHN GRIFFIN  Lic# NO088735  
 
Action: Notary  Location: WOODBURY, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 2/8/2002  
File # IN 2109327   
Allegation:   
Resp. failed to remit trust funds to clients and failed to remit premiums to the insurer while acting in the capacity of a bail bondsman.  
  
METROPOLITAN LIFE INSURANCE COMPANY  Naic# 65978  
 
Against: Insurance Company  Location: NEW YORK, NY 
Action: Other/Consent     
Signed: 2/11/2002  $3500 Fine 
File # IN 2107257 SMK  
Allegation:   
Resp. failed to respond to Dept requests for information and failed to respond to an Order to Produce Documents.  
  
TIME INSURANCE COMPANY  Naic# 69477  
 
Against: Insurance Company  Location: MILWAUKEE, WI 
JOHN ALDEN LIFE INSURANCE COMPANY  Naic# 65080  
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Censure/Consent     
Signed: 2/13/2002  $10000 Fine 
File # IN 2105981 JRJ  
Allegation:   
Underwriting guidelines declined health coverage to applicants on basis of breast implants.  
  
BRUCE STREICH  Lic# IN58251  
 
Against: Insurance Agent  Location: WARROAD, MN 
Action: Suspension/Consent     Begin: 2/16/2002 End: 2/17/2002 
Signed: 2/13/2002  
File # IN 2200941 CLN  
Allegation:   
Resp. knowingly assisted a client / insured file an application for coverage that inaccurate and misleading information.  
  
ONEBEACON AMERICA INSURANCE COMPANY  Naic# 20621  
 
Against: Insurance Company  Location: BOSTON, MA 
Action: Other/Consent     
Signed: 2/18/2002  $3000 Fine 
File # IN 2108959 BD  
Allegation:  $2869 Other 
Resp. failed to conduct reasonable investigaton and timely pay claim, forced insured to institute litigation.  
  
GREGORY VEUM  Lic# IN56603  
 
Against: Insurance Agent  Location: ANDOVER, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 2/18/2002  
File # IN 2201763 LJ  
Allegation:   
Resp. bound insurance coverage for clients, but failed to remit the applications or premiums to the proper insurers.  
  
UNION SECURITY LIFE INSURANCE COMPANY  Naic# 98884  
 
Against: Insurance Company  Location: MIAMI, FL 
Action: Other/Consent     
Signed: 2/21/2002  $3000 Fine 
File # IN 2201975 BD  
Allegation:  
Resp. failed to respond to the Commissioner's request for documents in a timely manner.  
  
STONEBRIDGE CASUALTY INSURANCE COMPANY  Naic# 10952  
 
Against: Insurance Company  Location: PLANO, TX 
Action: Other/Consent     
Signed: 2/21/2002  $2000 Fine 
File # IN 2201978 BD  
Allegation:   
Resp. failed to respond to the Commissioner's request for documents in a timely manner.  
  
KELCO, INC.  Lic# VI0274948  
 
Against: Viatical Settlement  Location: LEXINGTON, KY 
KELCO, INC.  Lic# VI0274943  
 
Against: Viatical Settlement  Location: LEXINGTON, KY 
Action: Other/Consent     
Signed: 2/22/2002  $17375 Fine 
File # IN 2003668 PDH  $1000 Investigator Costs 
Allegation:   
Resp. displayed pattern of unreasonable payments to policy owners.  
  
ROBERT FLUEGGE  Lic# IN24739  
 
Against: Insurance Agent  Location: VIRGINIA, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 2/22/2002  
File # IN 2108829 UMB  
Allegation:   
Resp. has felony convictions and is presently in custody at the MN Correctional Facility in Fairbault.  
  
GREGG MCLEAN  Lic# IN0091798  
 
Against: Insurance Agent  Location: CROOKSTON, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 2/22/2002  
File # IN 2200146 BD  
Allegation:   
Resp. engaged in deceptive and fraudulent acts and improperly withheld money by accepting premium payments and not forwarding them to the company.  
  
CENTURION CASUALTY COMPANY  Naic# 42765  
 
Against: Insurance Company  Location: DES MOINES, IA 
Action: Other/Consent     
Signed: 2/22/2002  $1000 Fine 
File # IN 2201982 BD  
Allegation:   
Resp. failed to respond to the Commissioner's request for documents in a timely manner.  
  
CENTURION LIFE INSURANCE COMPANY  Naic# 62383  
 
Against: Insurance Company  Location: DES MOINES, IA 
Action: Other/Consent     
Signed: 2/22/2002  $1000 Fine 
File # IN 2201986 BD  
Allegation:   
Resp. failed to respond to the Commissioner's request for documents in a timely manner.  
  
UNION LABOR LIFE INSURANCE COMPANY (THE)  Naic# 69744  
 
Against: Insurance Company  Location: WASHINGTON, DC 
Action: Other/Consent     
Signed: 2/28/2002  $1000 Fine 
File # IN 2109998 BD  
Allegation:   
Resp. failed to respond to the insured and Dept. in a timely fashion.  
  
HOMEWARD BOUND SERVICES INC  Lic# UC0264658  
 
Against: Unlicensed Company  Location: DREXEL HILL, PA 
TLC SERVICES INC  Lic# UC0264660  
 
Against: Unlicensed Company  Location: DREXEL HILL, PA 
Action: Other/Consent     
Signed: 3/7/2002  
File # IN 2007531 PEG  
Allegation:   
Resp. engaged in unlicensed insurance activity.  
  
THOMAS PETERSON  Lic# IN2979  
 
Against: Insurance Agent  Location: CROSS LAKE, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 3/10/2002  
File # IN 2108003 LJ  
Allegation:   
Resp. failure to account for premiums received from a client and his failure to respond to the Dept. as ordered.  
  
JESSICA BEATTY  Lic# IN0226278  
 
Against: Insurance Agent  Location: MARION, IA 
Action: Summary Suspension, Notice of     
Signed: 3/11/2002  
File # IN 2110624 SMK  
Allegation:   
Resp. failed to respond to Dept. corespondence, failed to notify Dept. of criminal action and revocation of license in another State within the time required.  
  
COMBINED INSURANCE COMPANY OF AMERICA  Naic# 62146  
 
Against: Insurance Company  Location: GLENVIEW, IL 
Action: Other/Consent     
Signed: 3/11/2002  $2000 Fine 
File # IN 2200018 PEG  
Allegation:   
Resp. issued a death benefit check containing release lauguage on the back side.  
  
ST. PAUL FIRE AND MARINE INSURANCE COMPANY  Naic# 24767  
 
Against: Insurance Company  Location: ST PAUL, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 3/13/2002  
File # IN 2203127 JPK  
Allegation:   
Failure to pay disability claims, failure to respond and provide books and records.  
  
CONNECTICUT GENERAL LIFE INSURANCE COMPANY  Naic# 62308  
 
Against: Insurance Company  Location: PHILADELPHIA, PA 
Action: Other/Consent     
Signed: 3/18/2002  $500 Fine 
File # IN 2200822 UMB  
Allegation:   
Resp. failed to report Administrative Actions by other State in a timely manner.  
  
BRIAN FONDURULIA  Lic# IN0180158  
 
Against: Insurance Agent  Location: DEERWOOD, MN 
Action: Other/Consent     
Signed: 4/2/2002  
File # IN 2101962 CLN  
Allegation:   
Resp. acted in a financially irresponsible manner.  
  
AMERICAN RISK MANAGERS  Lic# UC0320175  
 
Against: Unlicensed Company  Location: HAMMOND, IN 
LIBERTY INSURANCE COMPANY  Lic# UC0319981  
 
Against: Unlicensed Company  Location: MIAMI, FL 
Action: Cease & Desist/Hearing     
Signed: 4/2/2002  
File # IN 2103928 SMK  
Allegation:   
Liberty Ins Co issued a work comp policy without Certificate of Authority. American Risk failed to insure payment of compensation with and insurance carrier authorized to insure work comp in MN.  
  
MARTIN KANIPE  Lic# IN0189648  
 
Against: Insurance Agent  Location: RICHMOND, VA 
Action: Other/Consent     
Signed: 4/17/2002  $250 Fine 
File # IN 2202953 BD  
Allegation:   
Resp. failed to notify Dept. of action by other states.  
  
LIFE INSURANCE COMPANY OF NORTH AMERICA  Naic# 65498  
 
Against: Insurance Company  Location: PHILADELPHIA, PA 
Action: Other/Consent     
Signed: 4/23/2002  $4000 Fine 
File # IN 2108282 UMB  
Allegation:   
Resp. failed to respond promptly, unnecessarily delayed payment of claims, failed to adopt and implement reasonable standard for prompt investigation.  
  
CARVER COUNTY AGCY INC  Lic# IA562  
 
Against: Insurance Agency  Location: CHASKA, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 4/23/2002  
File # IN 2200006 LJ  
Allegation:   
Resp. failed to remit premiums to the insurer in a timely manner. 
  
DOUGLAS STOLBA  Lic# IN01978  
 
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 4/29/2002  
File # IN 2203792 DPK  
Allegation:   
Resp. engaged in a act or practice whether or not involved in the business of insurance which was deceptive or dishonest.  
  
STEPHEN KITTELSON  Lic# IN61271  
 
Against: Insurance Agent  Location: MANKATO, MN 
Action: Suspension/Consent     Begin: 4/30/2002 End : 5/31/2002 
Signed: 5/3/2002  
File # IN 2202610 LMD  
Allegation:   
Resp. failed to observe high standards of commercial honor by recommending to an insurance client the sale of life policies to purchase an unregistered security, failed to respond to requests for information from the Commissioner. 27773  
  
DANIEL VOGEL  Lic# IN0240537  
 
Against: Insurance Agent  Location: ST JOSEPH, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 5/9/2002  
File # IN 2204144 LJ  
Allegation:   
Resp. collected but failed to remit premiums to Absolute Bail Bond Company.  
  
INTL HOLDING INC  Lic# UC0121892  
 
Against: Unlicensed Company  Location: ST LOUIS PARK, MN 
GREG BERG  Lic# IN0021  
 
Against: Insurance Agent  Location: MINNEAPOLIS, MN 
Action: Revocation/Hearing  Begin:    End: Indefinite 
Signed: 5/14/2002  $10000 Fine 
File # IN 2005412 SGC  
Allegation:   
Resp. Berg continued to engaged in the unlicensed sales of unregistered securities after a Cease and Desist Order.  
  
LONG TERM PREFERRED CARE INC  Lic# IA031  
 
Against: Insurance Agency  Location: FRANKLIN, TN 
Action: Other/Consent     
Signed: 5/15/2002  $20000 Fine 
File # IN 2007101 PEG  
Allegation:   
Resp. created and issued an advertisement that has the tendency to mislead or deceive potential insurance prospects.  
  
AMERICAN GENERAL ASSURANCE COMPANY  Naic# 68373  
 
Against: Insurance Company  Location: SCHAUMBURG, IL 
Action: Other/Consent     
Signed: 5/20/2002  $125000 Fine 
File # IN 2000119 BD  
Allegation:   
Resp. market conduct exam found numerous claims handling, marketing and underwriting violations.  
  
HURLEY STATE BANK  Lic# UC0331021  
 
Against: Unlicensed Company  Location: , SD 
Action: Other/Consent     
Signed: 5/22/2002  $250000 Fine 
File # IN 2201147 ESF  $50000 Investigator Costs 
Allegation:   
Resp. engaged in business of insurance without license; failed to file insurance forms with Commissioner; enrolled customers in credit insurance without their knowledge or permission.  
  
INVESTMENT SVCS GROUP INC  Lic# IA0233415 
d/b/a IC OF MN 
Against: Insurance Agency  Location: NACOGDOCHES, TX 
JOE VANBREEMEN  Lic# IN0012663  
 
Against: Insurance Agent  Location: NACOGDOCHES, TX 
Action: Revocation/Hearing  Begin:    End: Indefinite 
Signed: 5/29/2002  $30000 Fine 
File # IN 2008213 SMK  
Allegation:   
Resp. failed to respond to Dept. Orders; converted premium funds to own use.  
  
JONATHAN EARLEY  Lic# IN3979  
 
Against: Insurance Agent  Location: BROOKLYN PARK, MN 
Action: Other/Hearing     
Signed: 5/29/2002  $6000 Fine 
File # IN 2102084 CLN  
Allegation:   
Resp. issued fraudulent insurance documents.  
  
TRUSTMARK INSURANCE COMPANY  Naic# 61425  
 
Against: Insurance Company  Location: LAKE FOREST, IL 
Action: Other/Consent     
Signed: 5/29/2002  $5000 Fine 
File # IN 2200285 SMK  
Allegation:   
Resp. failed to provide documentation in support of a reduction of a claim payment for usual and customary charges.  
  
BARLOCKER INSURANCE SERVICES INC  Lic# UC0327309  
 
Against: Unlicensed Company  Location: SALINAS, CA 
Action: Cease & Desist/Consent     
Signed: 5/29/2002  $3000 Fine 
File # IN 2203070 PEG  
Allegation:   
Resp. solicited insurance prior to obtaining insurance agency license. 
  
LAURI HENDERSON  Lic# IN4137  
 
Against: Insurance Agent  Location: WINTHROP, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 6/7/2002  
File # IN 2203824 BD  
Allegation:   
Resp. assisted insured in submitting a fraudulent claim.  
  
CONTINENTAL INSURANCE COMPANY (THE)  Naic# 35289  
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Cease & Desist/Consent     
Signed: 6/11/2002  $17000 Fine 
File # IN 2107282 MBF  $3000 Investigator Costs 
Allegation:   
Resp. non-renewed homeowners insurance policies based on the insureds loss experience without providing proper notice to the insureds.  
  
SCOTT TIETZ  Lic# IN0123296  
 
Against: Insurance Agent  Location: COLTON, CA 
PARTNERS ADVANTAGE INSURANCE SERVICES INC  Lic# UC0333737  
 
Against: Unlicensed Company  Location: GRAND TERRACE, CA 
Action: Cease & Desist/Consent     
Signed: 6/11/2002  $6000 Fine 
File # IN 2200376 UMB  
Allegation:   
Resp. misleading and deceptive advertising obtained information about individuals by improper means; unlicensed agency.  
  
METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY  Naic# 26298  
 
Against: Insurance Company  Location: WARWICK, RI 
Action: Other/Consent     
Signed: 6/14/2002  
File # IN 2105790 KJH  $7500 Investigator Costs 
Allegation:   
Resp. improperly investigated and paid ambulance service claims relating to private passenger personal injury protection (pip) insurance coverage.  
  
DAVID KLAPMEIER  Lic# UP0332651  
 
Against: Unlicensed Person  Location: MORA, MN 
NORTH STAR FUNDING COMPANY  Lic# UC0332644  
 
Against: Unlicensed Company  Location: MORA, MN 
Action: Cease & Desist/Consent     
Signed: 6/14/2002  
File # IN 2204563 MBF  
Allegation:   
Resp. engaged in the business of making loans without being licensed and charged and received greater interest than the amounts allowed under Minnesota Law.  
  
ALLSTATE INSURANCE COMPANY  Naic# 19232  
 
Against: Insurance Company  Location: NORTHBROOK, IL 
Action: Censure/Consent     
Signed: 6/19/2002  $500 Fine 
File # IN 2203002 ESF  
Allegation:   
Resp. failed to provide a formal claim denial to the insured.  
  
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY  Naic# 25178  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
STATE FARM FIRE AND CASUALTY COMPANY  Naic# 25143  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
Action: Order for Hrg/Statement of Charges     
Signed: 6/21/2002  
File # IN 2105097 KB  
Allegation:   
Resp. engaged in unfair trade and claim settlement practices in its handling of auto glass claims.  
  
PATRICK HAUPT  Lic# IN0325601  
 
Against: Insurance Agent  Location: EAGAN, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 6/25/2002  
File # IN 2204520 CLN  
Allegation:   
Prior enforcement action basis for denial.  
  
GOLDEN RULE INSURANCE COMPANY  Naic# 62286  
 
Against: Insurance Company  Location: LAWRENCEVILLE, IL 
Action: Cease & Desist/Consent     
Signed: 6/26/2002  $100000 Fine 
File # IN 9902679 PDH  
Allegation:   
Marketing violations suitability from multistate market conduct examination.  
  
ZALES CORPORATION  Lic# UC0304494  
 
Against: Unlicensed Company  Location: IRVING, TX 
Action: Other/Consent     
Signed: 6/28/2002  $80000 Fine 
File # IN 2105797 JRJ  $35000 Investigator Costs 
Allegation:   
Sale of credit insurance through unlicensed person and without proper disclosures.  
  
JOSEPH CSEDO  Lic# IN007038  
 
Against: Insurance Agent  Location: ROSEMOUNT, MN 
Action: Summary Suspension, Notice of     
Signed: 7/1/2002  
File # IN 2203682 BD  
Allegation:   
Resp. received payment without securing coverage.  
  
AMERICAN FAMILY MUTUAL INSURANCE COMPANY  Naic# 19275  
 
Against: Insurance Company  Location: MADISON, WI 
Action: Cease & Desist/Consent     
Signed: 7/2/2002  $5000 Fine 
File # IN 2104300 MBF  
Allegation:   
Resp. failed to pay an element of a claim without a resonable investigation or good faith dispute.  
  
THEODORE CMIEL  Lic# IN6098  
 
Against: Insurance Agent  Location: MINNEAPOLIS, MN 
Action: Suspension/Consent     Begin: 5/28/2002 End: 10/31/2003 
Signed: 7/2/2002  $1000 Fine 
File # IN 2109166 SMK  
Allegation:   
Resp. failed to properly supervise agency employees by allowing a forgery to occur on unsurance policy application documents.  
  
CONTINENTAL CASUALTY COMPANY  Naic# 20443  
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 7/9/2002  $40000 Fine 
File # IN 2007101 PEG  
Allegation:   
Resp. failed to maintain control over an advertisement used to solicit unsureds that did not comply with the marketing rates and statutes.  
  
UNITED AMERICAN INSURANCE COMPANY  Naic# 92916  
 
Against: Insurance Company  Location: MCKINNEY, TX 
Action: Order for Hrg/Statement of Charges     
Signed: 7/15/2002  
File # IN 2007505 PEG  
Allegation:   
Resp. improperly replaced Med.Supplement policies, engaged in misleading marketing and advertising, failed to properly train its agents and failed to comply with several requirements when replacing policies.  
  
JOSEPH CSEDO  Lic# IN007038  
 
Against: Insurance Agent  Location: ROSEMOUNT, MN 
Action: Order Amended     
Signed: 7/15/2002  
File # IN 2203682 BD  
Allegation:  
Resp. deposited premium payments from customers and failed to obtain or renew coverage.  
  
UNDERWRITERS AT LLOYDS, LONDON (ELIGIBLE SYNDICATES ONLY)  Lic# 00194  
 
Against:   Location: NEW YORK, NY 
Action: Other/Consent     
Signed: 7/16/2002  $2000 Fine 
File # IN 2110818 LJ  
Allegation:   
Resp. failed to properly investigate and pay an automobile claim wihtin a timely manner.  
  
KRISLYN HOGE  Lic# IN0115537  
 
Against: Insurance Agent  Location: INGELSIDE, IL 
Action: Order for Hrg/Statement of Charges     
Signed: 7/17/2002  
File # IN 2200216 PEG  
Allegation:   
Resp. replaced Med Supplement policies in violation of several laws, and failed to train or supervise agents to sell med supplement policies as required by law.  
  
JEREMY FLAHAVEN  Lic# IN0236362  
 
Against: Insurance Agent  Location: SAGINAW, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 7/17/2002  
File # IN 2200217 PEG  
Allegation:   
Resp. replaced Med Supplement policies in violation of several laws and failed to properly train or supervise agents to sell med supplement policies as required by law.  
  
CHAD LANGE  Lic# IN0057202  
 
Against: Insurance Agent  Location: BEMIDJI, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 7/17/2002  
File # IN 2200218 PEG  
Allegation:   
Resp. replaced Med Supplement policies in violation of several MN Insurance laws.  
  
SECURA INSURANCE, A MUTUAL COMPANY  Naic# 22543  
 
Against: Insurance Company  Location: APPLETON, WI 
Action: Other/Consent     
Signed: 7/17/2002  $2000 Fine 
File # IN 2203523 BD  
Allegation:   
Resp. unreasonably withheld claim payment without substantial basis.  
  
MICHAEL ARMSTRONG  Lic# IN0064906  
 
Against: Insurance Agent  Location: BURNSVILLE, MN 
Action: Other/Consent     
Signed: 7/17/2002  $1000 Fine 
File # IN 2205526 BD  
Allegation:   
Resp. collected $450 financial planning fee and failed to prepare the plan.  
  
HNIA XIONG  Lic# IN1122  
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Other/Consent     
Signed: 7/25/2002  $500 Fine 
File # IN 2007426 LJ  
Allegation:   
Resp. sold life insurance to individuals which was unsuitable.  
  
JESSICA BEATTY  Lic# IN0226278  
 
Against: Insurance Agent  Location: MARION, IA 
Action: Revocation/Hearing     Begin: End: Indefinite 
Signed: 7/25/2002  
File # IN 2110624 SMK  
Allegation:   
Resp. failed to respond to Dept. correspondences, failed to notify Dept. of criminal action and revocation of license in another State within the time required.  
  
MICHAEL PETERSEN  Lic# IN005666  
 
Against: Insurance Agent  Location: CHASKA, MN 
Action: Other/Consent     
Signed: 7/30/2002  $5000 Fine 
File # IN 2007426 LJ  
Allegation:   
Resp. replaced long term insurance policies for customers which were unsuitable.  
  
CARROLL RAMER  Lic# IN7583  
 
Against: Insurance Agent  Location: KASSON, MN 
Action: Suspension/Consent     
Signed: 7/30/2002  $2000 Fine 
File # IN 2007426 LJ  
Allegation:   
Resp. sold Minnesota life insurance product to a resident of another state inferring that the policy would cover that resident under the Minnesota Guaranty Association.  
  
RONALD ZILLMER  Lic# IN65824  
 
Against: Insurance Agent  Location: FOLEY, MN 
Action: Other/Consent     
Signed: 8/1/2002  $2000 Fine 
File # IN 2202206 LJ  
Allegation:   
Resp. failed to follow insurance company procedures for binding automobile insurance coverage.  
  
WILLIAM FLIKEID  Lic# IN86151  
 
Against: Insurance Agent  Location: LAKEVILLE, MN 
Action: Other/Consent     
Signed: 8/5/2002  $8000 Fine 
File # IN 2007426 LJ  
Allegation:   
Resp. sold annuity products to individuals, which were unsuitable.  
  
AUSTIN MUTUAL INSURANCE COMPANY  Naic# 13412  
 
Against: Insurance Company  Location: MINNEAPOLIS, MN 
NORTHERN MUTUAL INSURANCE COMPANY  Naic# 16314  
 
Against: Insurance Company  Location: MINNEAPOLIS, MN 
Action: Other/Consent     
Signed: 8/5/2002  $10000 Fine 
File # IN 2203189 MBF  $2500 Investigator Costs 
Allegation:   
Resp. failed to comply with the statutory requirements.  
  
MID-CENTURY INSURANCE COMPANY  Naic# 21687  
 
Against: Insurance Company  Location: LOS ANGELES, CA 
Action: Other/Consent     
Signed: 8/5/2002  $2500 Fine 
File # IN 2204134 BD  
Allegation:   
Resp. inadequate recordkeeping and incorrect billing led to policyholder confusion and cancellation.  
  
CONSECO BANK INC  Lic# UC0342745  
 
Against: Unlicensed Company  Location: ST PAUL, MN 
GREEN TREE RETAIL SERVICES BANK INC  Lic# UC0342747  
 
Against: Unlicensed Company  Location: ST PAUL, MN 
Action: Other/Consent     
Signed: 8/8/2002  $250000 Fine 
File # IN 2202104 ESF  
Allegation:   
Resp. Conseco failed to file insurance forms with Commissioner; enrolled customers in credit insurance without their knowledge or permission.  
  
ABIGAIL SAYRE  Lic# IN0276545  
 
Against: Insurance Agent  Location: VIRGINIA, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 8/12/2002  
File # IN 2109687 UMB  
Allegation:   
Resp. pled guilty to felony charges for several financial transaction credit card fraud, personal check fraud, theft/shoplifting, and driving while intoxicated.  
  
UTICA MUTUAL INSURANCE COMPANY  Naic# 25976  
 
Against: Insurance Company  Location: UTICA, NY 
Action: Other/Consent     
Signed: 8/12/2002  $7500 Fine 
File # IN 2200070 SMK  
Allegation:   
Resp. failed to respond to Dept. Communications, failed to conduct a reasonable investigation of a claim; failed to affirm or deny coverage of a claim.  
  
TRAVELERS INDEMNITY COMPANY (THE)  Naic# 25658  
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Other/Consent     
Signed: 8/12/2002  $5000 Fine 
File # IN 2203620 BD  
Allegation:   
Resp. failed to properly investigate a claim offered improper settlement and failed to comply with time limits.  
  
HARLEYSVILLE INSURANCE COMPANY  Naic# 23582  
 
Against: Insurance Company  Location: MPLS, MN 
Action: Cease & Desist/Consent     
Signed: 8/12/2002  $80000 Fine 
File # IN 2204457 KB  
Allegation:  
Resp. used an improper authorization form to disclose or collect personal or privileged information and engaged in deceptive or dishonest practices in connection with the insurance business.  
  
RICHARD KING  Lic# IN68146  
 
Against: Insurance Agent  Location: COON RAPIDS, MN 
Action: Other/Consent     
Signed: 8/13/2002  $750 Fine 
File # IN 2204134 BD  
Allegation:   
Resp. and Company failed to maintain adequate records, resulting in over billing and improper cancellation.  
  
AAA LIFE INSURANCE COMPANY  Naic# 71854  
 
Against: Insurance Company  Location: LIVONIA, MI 
Action: Cease & Desist/Consent     
Signed: 8/14/2002  $75000 Fine 
File # IN 2202142 BD  
Allegation:   
Resp. company's direct mail solicitations contained misleading statements and failed to follow statutory requirements regarding certain disclosures.  
  
FRANKLIN HEBERT  Lic# IN004135  
 
Against: Insurance Agent  Location: SUPERIOR, WI 
Action: Other/Consent     
Signed: 8/26/2002  
File # IN 2206522 KB  
Allegation:   
Applicant had a previous license revoked; he agreed to the terms of the order to receive this license.  
  
CRAIG BROWN  Lic# IN18094  
 
Against: Insurance Agent  Location: NORTH MANKATO, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 9/3/2002  
File # IN 2110676 PEG  
Allegation:   
Resp. violated terms of the February 25, 1999 Consent Order regarding direct supervision from a supervisory agent for all sales.  
  
LAWRENCE CRONKHITE  Lic# IN10690  
 
Against: Insurance Agent  Location: SAVAGE, MN 
Action: Other/Consent     
Signed: 9/4/2002  $1000 Fine 
File # IN 2108791 GLP  
Allegation:   
Resp. placed collision Insurance on clients damaged auto, failed to make a proper inspection; after discovery the steps taken to terminate coverage were improper.  
  
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA  Naic# 60275  
 
Against: Insurance Company  Location: MIAMI, FL 
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA  Naic# 10111  
 
Against: Insurance Company  Location: MIAMI, FL 
Action: Order Amended     
Signed: 9/5/2002  
File # IN 9908353 PDH  
Allegation:   
Amended SOC from original signed 02/05/02.  
  
ILLINOIS UNION INSURANCE COMPANY  Lic# 27960  
 
Against:   Location: XXX, MN 
Action: Other/Consent     
Signed: 9/10/2002  $5000 Fine 
File # IN 2206804 BD  
Allegation:   
Resp. failed to obtain the necessary licenses prior to conducting business in this state.  
  
AXA NETWORK LLC  Lic# IA0204555  
 
Against: Insurance Agency  Location: HARRISBURG, PA 
Action: Other/Consent     
Signed: 9/11/2002  $2500 Fine 
File # IN 2205526 BD  
Allegation:   
Resp. agent changed a fee for a financial plan that was not delivered.  
  
JONATHAN MILLS  Lic# IN84436  
 
Against: Insurance Agent  Location: ROSEMOUNT, MN 
Action: Other/Consent     
Signed: 9/13/2002  
File # IN 2101934 LJ  
Allegation:   
Restricted license due to prior revocation.  
  
AMERICAN FAMILY MUTUAL INSURANCE COMPANY  Naic# 19275  
 
Against: Insurance Company  Location: MADISON, WI 
Action: Other/Consent     
Signed: 9/13/2002  $5000 Fine 
File # IN 9903128 PDH  $5000 Investigator Costs 
Allegation:   
Resp. refused to pay policyholders for the complete tear-off of hail damaged roofing.  
  
CHUBB INDEMNITY INSURANCE COMPANY  Naic# 12777  
 
Against: Insurance Company  Location: WARREN, NJ 
Action: Other/Consent     
Signed: 9/30/2002  $5000 Fine 
File # IN 2201113 KJH  
Allegation:   
Resp. knowingly issued a policy upon property in this state for an amount which, together with existing insurance theron, exceeded the fair value of the property.  
  
MINNESOTA INSURANCE COMPANY  Naic# 25232  
 
Against: Insurance Company  Location: WILMINGTON, DE 
Action: Other/Consent     
Signed: 10/9/2002  $90000 Fine 
File # IN 2100612 ESF  
Allegation:   
Resp. failed to provide sufficient data to support surcharge, obtain signed authorizations to collect credit information, retain underwriting information or applications for three years.  
  
NATIONAL PROGRAM SERV INC  Lic# IA0207583  
 
Against: Insurance Agency  Location: CEDAR KNOLLS, NJ 
VITO GRUPPUSO  Lic# IN7688  
 
Against: Insurance Agent  Location: BASKING RIDGE, NJ 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 10/15/2002  
File # IN 2205262 SMK  
Allegation:   
Resp.commingling premium trust account funds and using those funds for their own use.  
  
CONTINENTAL INSURANCE COMPANY (THE)  Naic# 35289  
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 10/21/2002  $1000 Fine 
File # IN 2206821 SMK  
Allegation:   
Resp. failed to reply to claimant within ten business days of receipt of claimant's communication and failed to complete its investigation and inform the claimant of acceptance or denial of claim within thirty business days.  
  
PATRICK HAUPT  Lic# IN0325601  
 
Against: Insurance Agent  Location: EAGAN, MN 
Action: Other/Hearing     
Signed: 10/22/2002  
File # IN 2204520 CLN  
Allegation:   
Denial of Insurance Agent License.  
  
JOHN JIMENEZ  Lic# IN3369  
 
Against: Insurance Agent  Location: APPLE VALLEY, MN 
Action: Censure/Consent     
Signed: 10/24/2002  
File # IN 2201653 DPK  
Allegation:   
Resp. used his position as an insurance agent to solicit clients to invest in unregistered and non-exempt securities.  
  
CARLOS RAMIREZ  Lic# IN0258  
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 10/28/2002  
File # IN 2202531 KJH  
Allegation:   
Allege Resp. bound insurance coverage for clients but failed to remit the applications or premiums to the insurer.  
  
PRUDENTIAL INSURANCE COMPANY OF AMERICA  Naic# 68241  
 
Against: Insurance Company  Location: NEWARK, NJ 
Action: Other/Consent     
Signed: 10/29/2002  $3000 Fine 
File # IN 2203290 JPK  
Allegation:  
Underwriting file was requested; Respondent stipulated production of the file with a copy of the complaint.  
  
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY  Naic# 70815  
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Other/Consent     
Signed: 11/1/2002  $1000 Fine 
File # IN 2206919 SMK  
Allegation:  
Resp. failed to follow policy language by not providing claim appeal determination within time prescribed in the policy.  
  
GLENS FALLS INSURANCE COMPANY (THE)  Naic# 34622  
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 11/5/2002  $500 Fine 
File # IN 2110820 SMK  
Allegation:   
Resp. accepted business and paid commissions to unlicensed agents.  
  
PROGRESSIVE NORTHERN INSURANCE COMPANY  Naic# 38628  
 
Against: Insurance Company  Location: MAYFIELD VILLAGE, OH 
Action: Other/Consent     
Signed: 11/5/2002  $1000 Fine 
File # IN 2110820 SMK  
Allegation:   
Resp. accepted business and paid commissions to unlicensed agents.  
  
TIME INSURANCE COMPANY  Lic# 69477  
 
Against:   Location: MILWAUKEE, WI 
JOHN ALDEN LIFE INSURANCE COMPANY  Lic# 65080  
 
Against:   Location: MILWAUKEE, WI 
Action: Other/Consent     
Signed: 11/5/2002  $25000 Fine 
File # IN 2208918 GAL  $50000 Investigator Costs 
Allegation:   
Resp. failed to submit timely annual rate filings for individual health plans.  
  
EVELYN MUSHITZ  Lic# IN0080395  
 
Against: Insurance Agent  Location: ELKO, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 11/13/2002  
File # IN 2208970 PJS  
Allegation:   
Resp. plead guilty in federal court to theft charges.  
  
KURT VONMEYER  Lic# IN99935  
 
Against: Insurance Agent  Location: ANDOVER, MN 
Action: Cease & Desist/Consent     
Signed: 11/14/2002  
File # IN 2208111 MBF  
Allegation:   
Resp. charged fees for services without providing the required fee disclosure notice.  
  
ILLINOIS FARMERS INSURANCE COMPANY  Naic# 21679  
 
Against: Insurance Company  Location: AURORA, IL 
Action: Other/Consent     
Signed: 11/19/2002  $2500 Fine 
File # IN 2208813 BD  
Allegation:   
Resp. never responded to insured's claim in 18 months and produced no claim file.  
  
HARTFORD UNDERWRITERS INSURANCE COMPANY  Naic# 30104  
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Censure/Consent     
Signed: 11/20/2002  $1000 Fine 
File # IN 2202131 ESF  
Allegation:   
Resp.failed to provide a formal claim denial within 60 days to an insured.  
  
HORACE MANN INSURANCE COMPANY  Naic# 22578  
 
Against: Insurance Company  Location: SPRINGFIELD, IL 
Action: Other/Consent     
Signed: 11/20/2002  $10000 Fine 
File # IN 2204141 SMK  
Allegation:   
Resp. failed to provide requested documents to Dept.; violated various laws relating to automobile claim administration.  
  
METROPOLITAN LIFE INSURANCE COMPANY  Naic# 65978  
 
Against: Insurance Company  Location: NEW YORK, NY 
Action: Other/Consent     
Signed: 11/20/2002  
File # IN 2208327 PDH  
Allegation:   
Multidate resolution of alleged racially discriminatory practices.  
  
ROLFE ANDERSON  Lic# IN20335  
 
Against: Insurance Agent  Location: ELK RIVER, MN 
Action: Other/Consent     
Signed: 11/25/2002  $1500 Fine 
File # IN 2203567 PEG  
Allegation:   
Resp. failed to ensure that his employees complied with MN laws and forged anothers name on applications for insurance coverage.  
  
JOANN SORENSON  Lic# IN46391  
 
Against: Insurance Agent  Location: PLYMOUTH, MN 
Action: Other/Consent     
Signed: 11/25/2002  $500 Fine 
File # IN 2203567 PEG  
Allegation:   
Resp. forged anothers name on insurance applications for insurance coverage.  
  
WORLD INSURANCE COMPANY  Naic# 70629  
 
Against: Insurance Company  Location: OMAHA, NE 
Action: Other/Consent     
Signed: 12/3/2002  $5000 Fine 
File # IN 2201686 UMB  
Allegation:   
Resp. improperly reducing usual, customary and reasonable claim payment for covered expenses.  
  
INDIANA INSURANCE COMPANY  Naic# 22659  
 
Against: Insurance Company  Location: INDIANAPOLIS, IN 
Action: Other/Consent     
Signed: 12/3/2002  $2500 Fine 
File # IN 2203620 BD  
Allegation:   
Company failed to accept or deny claim within required time limits.  
  
STATE FARM FIRE AND CASUALTY COMPANY  Naic# 25143  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
STATE FARM GENERAL INSURANCE COMPANY  Naic# 25151  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
Action: Cease & Desist/Consent     
Signed: 12/4/2002  
File # IN 2100674 MBF  $75000 Investigator Costs 
Allegation:   
Resp. engaged in rate filing and trade practice violations relsted to its utilities rating program.  
  
STATE FARM FIRE AND CASUALTY COMPANY  Naic# 25143  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY  Naic# 25178  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
Action: Other/Consent     
Signed: 12/4/2002  $100000 Fine 
File # IN 2105097 KB  $100000 Investigator Costs 
Allegation:   
Resp. engaged in various unfair trade and clain settlement practices in its handling of auto glass claims.  
  
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY  Naic# 25178  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
STATE FARM FIRE AND CASUALTY COMPANY  Naic# 25143  
 
Against: Insurance Company  Location: BLOOMINGTON, IL 
Action: Cease & Desist/Consent     
Signed: 12/4/2002  $250000 Fine 
File # IN 9908770 MBF  $250000 Investigator Costs 
Allegation:   
Resp. engaged in numberous no-fault claim handling violations.  
  
KRISLYN HOGE  Lic# IN0115537  
 
Against: Insurance Agent  Location: INGELSIDE, IL 
Action: Other/Consent     
Signed: 12/6/2002  $25000 Fine 
File # IN 2200216 PEG  
Allegation:   
Resp. violated numerous laws by failing to comply with the requirements in the replacement of medicare supplement policies and failed to properly instruct her agents.  
  
JEREMY FLAHAVEN  Lic# IN0236362  
 
Against: Insurance Agent  Location: SAGINAW, MN 
Action: Other/Consent     
Signed: 12/6/2002  $25000 Fine 
File # IN 2200217 PEG  
Allegation:  
Resp. violated numerous laws by failing to comply with the requirements in the replacement of medicare supplement policies and failed to properly instruct his agents.  
  
NEW SOULES INSURANCE AGENCY  Lic# UC0360399  
 
Against: Unlicensed Company  Location: CONROE, TX 
Action: Cease & Desist/Consent     
Signed: 12/11/2002  $3000 Fine 
File # IN 2106777 MBF  
Allegation:   
Resp. failed to properly supervise an agent.  
  
PETER HESSLINK  Lic# UP0360397  
 
Against: Unlicensed Person  Location: CONROE, TX 
Action: Cease & Desist/Consent     
Signed: 12/11/2002  $1250 Fine 
File # IN 2106777 MBF  
Allegation:   
Resp. has acted as an insurance agent in Minnesota without having obtained a license to do so.  
  
BRADLEY AMUNDSON  Lic# IN849  
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Suspension/Consent     Begin: 11/18/2002 End: 11/18/2004 
Signed: 12/11/2002  
File # IN 2208598 DPK  
Allegation:   
Resp. engaged in unlicensed investment advisor activity.  
  
FIDELITY AND GUARANTY LIFE INSURANCE COMPANY  Naic# 63274  
 
Against: Insurance Company  Location: BALTIMORE, MD 
Action: Other/Consent     
Signed: 12/17/2002  $3000 Fine 
File # IN 2109284 UMB  
Allegation:   
Resp. failed to adequately supervise its agent and maintain responsibility for the agent's oral and written representations; failed to respond in a timely manner.  
  
LYLA LARSON  Lic# IN0133197  
 
Against: Insurance Agent  Location: WOODBURY, MN 
Action: Other/Consent     
Signed: 12/20/2002  $500 Fine 
File # IN 2204098 BD  
Allegation:   
Agent failed to secure auto and homeowner coverage as represented.   
restitution and $100,000 exam fees and expenses.