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Archived Insurance Enforcement Actions 2004


Archived Insurance Enforcement Actions 2004

CHRISTOPHER SKELTON  Lic# IN1692  
Against: Insurance Agent  Location: ISANTI, MN 
Action: Revocation/Hearing     Begin: End: Indefinite 
Signed: 1/6/2004  $120000 Fine 
File # IN 2304082 KB  
Allegation:  
Respondent failed to perform his statutorily required duties as an insurance agent by retaining premiums and failing to obtain insurance coverage for his clients, thus exposing his clients to potentially catastrophic losses. 
  
CONSECO SENIOR HEALTH INSURANCE COMPANY  Naic# 76325 
 
Against: Insurance Company  Location: CARMEL, IN 
Action: Other/Consent     
Signed: 1/6/2004  $5000 Fine 
File # IN 2308797 MBF  
Allegation:  
Company failed to timely file mandatory documents. 
  
STEVEN RUBIN  Lic# IN2012 
 
Against: Insurance Agent  Location: ORANGE, OH 
Action: Other/Consent     
Signed: 1/13/2004  $500 Fine 
File # IN 2307666 KB  
Allegation:  
Respondent failed to report other states actions within 30 days as required by Minnesota law. 
  
JOHN ALDEN LIFE INSURANCE COMPANY  Naic# 65080 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Order for Hrg/Statement of Charges     
Signed: 1/15/2004  
File # IN 2103139 BD  
Allegation:  
Company refuses to institute disability waiver despite obvious continued disability. 
  
JMIC LIFE INSURANCE COMPANY  Naic# 89958 
 
Against: Insurance Company  Location: DEERFIELD BEACH, FL 
Action: Other/Consent     
Signed: 1/15/2004  
File # IN 2203441 GAL  
Allegation:  
Respondent agreed to lower it's credit life and credit disability rates by 50% and furthered agree not to change claims payment or underwriting practices. 
  
CHRISTOPHER MOE  Lic# UP0428720 
 
Against: Unlicensed Person  Location: ST LOUIS PARK, MN 
Action: Order for Hrg/Statement of Charges     
Signed: 1/15/2004  
File # IN 2307870 MBF  
Allegation:  
Repondent's producer application denied because of criminal history and misrepresentation, non-disclosure, dishonesty, incomplete and misleading information on the application and to the Commissioner's inquiries. 
  
CONSECO HEALTH INSURANCE COMPANY  Naic# 78174 
 
Against: Insurance Company  Location: CARMEL, IN 
Action: Other/Consent     
Signed: 1/20/2004  $5000 Fine 
File # IN 2308798 MBF  
Allegation:  
Company failed to timely file mandatory documents. 
  
JOHN ALDEN LIFE INSURANCE COMPANY  Naic# 65080 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Other/Hearing     
Signed: 1/21/2004  
File # IN 2103139 BD  
Allegation:  
Insurer rescinded a premium waiver on a life policy improperly. 
  
TIME INSURANCE COMPANY  Naic# 69477 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Other/Consent     
Signed: 1/21/2004  $5000 Fine 
File # IN 2204848 PEG  
Allegation:  
Respondent failed to offer conversion policy to two insureds upon the termination of the employer group policy. 
  
UNIVERSAL UNDERWRITERS LIFE  Naic# 70173 
 
Against: Insurance Company  Location: OVERLAND PARK, KS 
Action: Other/Consent     
Signed: 1/21/2004  $200000 Fine 
File # IN 2205084 KB  
Allegation:  
Market conduct examination revealed numerous violations by Resp; Resp. failed to obtain knowing consent to the purchase of credit insurance, failed to ensure full disclosure of eligibility requirements. 
  
RELIASTAR LIFE INSURANCE COMPANY  Naic# 67105 
 
Against: Insurance Company  Location: MPLS, MN 
Action: Other/Consent     
Signed: 2/2/2004  $1000 Fine 
File # IN 2307673 UMB  
Allegation:  
Resp. failed to acknowledge receipt of the notice of loss; failed to respond timely manner; misrepresented the coverage at issue, provided false info to the Dept. 
  
JAMES YOUNG  Lic# IN55364 
 
Against: Insurance Agent  Location: CAMBRIDGE, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 2/2/2004  
File # IN 2309308 BD  
Allegation:  
Respondent violated terms of consent order by accepting premium without securing coverage. 
  
UNION SECURITY LIFE INSURANCE COMPANY  Naic# 98884 
 
Against: Insurance Company  Location: MIAMI, FL 
Action: Other/Consent     
Signed: 2/12/2004  
File # IN 2203428 SPB  
Allegation:  
Company agreed to lower credit life rates by 30% and credit disability rates by 20% after Commissioner alleged current rates were excessive. 
  
SHAHINIAN INSURANCE SERVICES  Lic# UC0436059 
 
Against: Unlicensed Company  Location: TUSTIN, CA 
Action: Other/Consent     
Signed: 2/19/2004  $3000 Fine 
File # IN 2208786 BD  
Allegation:  
Respondent sold insurance policies without a license. 
  
CHRISTOPHER MOE  Lic# UP0428720 
 
Against: Unlicensed Person  Location: ST LOUIS PARK, MN 
Action: Other/Consent     
Signed: 3/2/2004  
File # IN 2307870 MBF  
Allegation:  
Respondent license application was denied because he provided false misleading, and incomplete information on his application; was convicted of forgery. 
  
UNICARE LIFE & HEALTH INSURANCE COMPANY  Naic# 80314 
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 3/2/2004  $5000 Fine 
File # IN 2308799 MBF  
Allegation:  
Respondent failed to file timely their loss reserve notification. 
  
HEALTH ONE INC  Lic# UC0440305 
 
Against: Unlicensed Company  Location: HOUSTON, TX 
MED ONE GOLD  Lic# UC0440307 
 
Against: Unlicensed Company  Location: PLAINFIELD, NJ 
Action: Cease & Desist/Hearing     
Signed: 3/11/2004  
File # IN 2307203 KB  
Allegation:  
Deceptive and misleading advertisements that create the appearance of health insurance. 
  
UNION FIDELITY LIFE INSURANCE COMPANY  Naic# 62596 
 
Against: Insurance Company  Location: FORT WASHINGTON, PA 
Action: Other/Consent     
Signed: 3/11/2004  $5000 Fine 
File # IN 2308796 MBF  
Allegation:  
Respondent failed to file timely their loss reserve certification. 
  
DAVID NELSON  Lic# IN8637 
 
Against: Insurance Agent  Location: WILMOT, SD 
Action: Other/Consent     
Signed: 3/11/2004  
File # IN 2400163 MBF  
Allegation:  
Respondent has an overdue and unpaid debt arising out of an insurance transaction. 
  
CONTINENTAL ASSURANCE COMPANY  Naic# 62413 
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 3/18/2004  $1000 Fine 
File # IN 2309051 SMK  
Allegation:  
Resp. failed to provide information and documentation to the Dept within the time required. 
  
ANDERSON INS INVEST  Lic# IA512 
d/b/a MANUFACTURERS INSURANCE RESOURCE CENTER 
Against: Insurance Agency  Location: MPLS, MN 
Action: Other/Consent     
Signed: 3/25/2004  $500 Fine 
File # IN 2400345 SMK  
Allegation:  
Resp. failed to provide Dept with documentation that an assumed named had been properly filed with the Secretary of State prior to using the assumed name in an advertisement. 
  
WILLIS MD INC  Lic# IA0092078 
 
Against: Insurance Agency  Location: HUNT VALLEY, MD 
Action: Other/Consent     
Signed: 4/6/2004  $250 Fine 
File # IN 2401916 MBF  
Allegation:  
Failure to notify our Dept within 30 days of the imposition of a penalty by another state. 
  
RICHARD SAGER  Lic# IN0298771 
 
Against: Insurance Agent  Location: STARKWEATHER, ND 
Action: Other/Consent     
Signed: 4/8/2004  $250 Fine 
File # IN 2402328 MBF  
Allegation:  
Respondent failed to notify out department within 30 days of the impostion of a penalty by another state. 
  
MARK KONTZ  Lic# IN062 
 
Against: Insurance Agent  Location: WENTWORTH, SD 
Action: Other/Consent     
Signed: 4/13/2004  $500 Fine 
File # IN 2303105 UMB  
Allegation:  
Failed to provide the required fact sheet disclosure. 
  
JOSHUA SIEGEL  Lic# IN0435120 
 
Against: Insurance Agent  Location: RICHFIELD, MN 
Action: Other/Consent     
Signed: 4/13/2004  
File # IN 2401486 BD  
Allegation:  
Based upon application criminal record, a conditional license is appropriate. 
  
ROBERT FONTANEZ  Lic# IN0340307 
 
Against: Insurance Agent  Location: SANTA ANA, CA 
Action: Other/Consent     
Signed: 4/27/2004  $250 Fine 
File # IN 2400531 KB  
Allegation:  
Respondent failed to report other states actions within 30 days as required by Minnesota law. 
  
JOHN FEENEY  Lic# IN0368543 
 
Against: Insurance Agent  Location: DUPAGE, IL 
Action: Other/Consent     
Signed: 4/28/2004  $500 Fine 
File # IN 2400407 KB  
Allegation:  
Respondent failed to report states actions within 30 days as required by Minnesota law. 
  
DIANE LEE  Lic# IN0044665 
 
Against: Insurance Agent  Location: THIEF RIVER FALLS, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 5/4/2004  $5000 Fine 
File # IN 2306250 MBF  
Allegation:  
Respondent is unqualified to act as an insurance agent, failed to perform her supervising agent's duties, and engaged in rebating. 
  
DAVID LEE  Lic# UP0446446 
 
Against: Unlicensed Person  Location: THIEF RIVER FALLS, MN 
Action: Cease & Desist/Consent     Begin: End: Indefinite 
Signed: 5/4/2004  
File # IN 2306250 MBF  
Allegation:  
Respondent sold, solicited and/or negotiated insurance in Minnesota without a license to do so. 
  
JAMES BERGSTROM  Lic# IN0183119 
 
Against: Insurance Agent  Location: WOODBURY, MN 
Action: Suspension/Consent     Begin: 5/4/2004 End: 10/31/2004 
Signed: 5/4/2004  
File # IN 2400430 MBF  
Allegation:  
Respondent provided incomplete information on his license application. 
  
PROGRESSIVE CASUALTY INSURANCE COMPANY  Naic# 24260 
 
Against: Insurance Company  Location: MAYFIELD VILLAGE, OH 
Action: Other/Consent     
Signed: 5/4/2004  $1500 Fine 
File # IN 2400735 SMK  
Allegation:  
Respondent failed to implement the prompt investigation of an automobile personal injury claim. 
  
LYLE CLEM  Lic# IN8265 
 
Against: Insurance Agent  Location: ST FRANCIS, MN 
Action: Other/Consent     
Signed: 5/7/2004  $10000 Fine 
File # IN 2306963 BD  
Allegation:  
Respondent engaged in misleading advertising regard on investment program and failed to ensure suitability. 
  
MICHAEL WHITE  Lic# IN0055695 
 
Against: Insurance Agent  Location: CLEARWATER BEACH, FL 
Action: Other/Consent     
Signed: 5/11/2004  $300 Fine 
File # IN 2401643 BD  
Allegation:  
Agent failed to timely notify Dept of 2 administrative actions. 
  
AMPRO FINANCIAL SERVICES INC  Lic# IA0365154 
 
Against: Insurance Agency  Location: VIENNA, VA 
Action: Other/Consent     
Signed: 5/12/2004  $500 Fine 
File # IN 2402332 MBF  
Allegation:  
Respondent failed to provide notice of another states action within 30 days. 
  
JOHN WELLMAN  Lic# IN57080 
 
Against: Insurance Agent  Location: AVON, MN 
Action: Other/Consent     
Signed: 5/19/2004  $4000 Fine 
File # IN 2306963 BD  
Allegation:  
Respondent sold products while failing to ensure suitability at the time of sale. 
  
ONEBEACON INSURANCE COMPANY  Naic# 21970 
 
Against: Insurance Company  Location: BOSTON, MA 
Action: Other/Consent     
Signed: 5/19/2004  $3000 Fine 
File # IN 2309345 PEG  
Allegation:  
Respondent failed to issue payment on no-fault claim in a timely manner. 
  
ALLSTATE INSURANCE COMPANY  Naic# 19232 
 
Against: Insurance Company  Location: NORTHBROOK, IL 
Action: Other/Consent     
Signed: 5/19/2004  $1000 Fine 
File # IN 2400669 SMK  
Allegation:  
Failed to timely process claims made under personal injury protection coverage of an automobile insurance policy. 
  
TIMOTHY KOPP  Lic# IN0357991 
 
Against: Insurance Agent  Location: MAPLE GROVE, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 5/19/2004  
File # IN 2401908 MBF  
Allegation:  
Respondent misappropriated agency funds which makes him unqualified to be an insurance producer. 
  
GILBERTO ALANIS  Lic# IN0160799 
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 5/19/2004  
File # IN 2402083 BD  
Allegation:  
Respondent repeatedly failed to remit premiums received to the insurer. 
  
THOMAS LORENZ  Lic# IN0286020 
 
Against: Insurance Agent  Location: PINEHURST, NC 
Action: Other/Consent     
Signed: 5/19/2004  
File # IN 2402221 BD  
Allegation:  
Conditions were placed on licensee's license based on his criminal conviction. 
  
A & B NATIONAL MARKETING  Lic# UC0454916 
d/b/a FAMILY HEALTH 
Against: Unlicensed Company  Location: BELLAIRE, TX 
Action: Cease & Desist/Hearing     
Signed: 6/2/2004  
File # IN 2307203 KB  
Allegation:  
Disemmanated deceptive and misleading advertisement that created the appearance of helath insurance. 
  
GREGORY GALVIN  Lic# IN03960 
 
Against: Insurance Agent  Location: FALCON HEIGHTS, MN 
Action: Other/Consent     
Signed: 6/2/2004  $250 Fine 
File # IN 2403110 MBF  
Allegation:  
Respondent refused to accept a fair plan application. 
  
LAUREN HOUSEL  Lic# IN0253183 
 
Against: Insurance Agent  Location: FORT WALTON BEACH, FL 
Action: Other/Consent     
Signed: 6/2/2004  $250 Fine 
File # IN 2403702 MBF  
Allegation:  
Respondent failed to notify our Department timely of other states' actions. 
  
ALAN DANIEL  Lic# IN0160368 
 
Against: Insurance Agent  Location: HOLLAND, PA 
Action: Other/Consent     
Signed: 6/7/2004  $250 Fine 
File # IN 2401625 MBF  
Allegation:  
Respondent failed to notify our department timely of other states' actions. 
  
VALERIE OLDS  Lic# IN0305718 
 
Against: Insurance Agent  Location: DEER RIVER, MN 
Action: Suspension/Consent     Begin: 5/15/2004 End: 5/14/2006 
Signed: 6/9/2004  
File # IN 2210313 GLP  
Allegation:  
Respondent improperly withheld premiums and demonstrated fiscal irresponsibility. 
  
WESTFIELD NATIONAL INSURANCE COMPANY  Naic# 24120 
 
Against: Insurance Company  Location: WESTFIELD CTR, OH 
Action: Other/Consent     
Signed: 6/9/2004  $1000 Fine 
File # IN 2307662 RPC  
Allegation:  
Respondent failed to include required language in non renewal notice. 
  
WINDSOR INSURANCE COMPANY  Naic# 12599 
 
Against: Insurance Company  Location: BIRMINGHAM, AL 
Action: Other/Consent     
Signed: 6/9/2004  $1000 Fine 
File # IN 2400793 PEG  
Allegation:  
Resp. failed to issue payment on no-fault claims in a timely manner and failed to include interest on the overdue payments. 
  
MICHAEL BELL  Lic# IN0169733 
 
Against: Insurance Agent  Location: ROCKVILLE, MD 
Action: Censure/Consent     
Signed: 6/9/2004  
File # IN 2400939 PEG  
Allegation:  
Respondent failed to report Nebraska's action to our Dept within 30 days. 
  
ELLIOT LISS  Lic# IN0169737 
 
Against: Insurance Agent  Location: POTOMAC, MD 
Action: Censure/Consent     
Signed: 6/9/2004  
File # IN 2400939 PEG  
Allegation:  
Respondent failed to report Nebraska's action to our Dept within 30 days. 
  
RONALD HELLAND  Lic# IN0340861 
 
Against: Insurance Agent  Location: AMES, IA 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 6/9/2004  
File # IN 2403747 MBF  
Allegation:  
Respondent demonstrated untrustworthiness in the business of insurance which makes him unqualified to be an insurance producer. 
  
DANIEL REED  Lic# IN0146622 
 
Against: Insurance Agent  Location: MAPLE GROVE, MN 
Action: Summary Suspension, Notice of     
Signed: 6/17/2004  
File # IN 2402628 MBF  
Allegation:  
Respondent made misrepresentation in insurance applications issued fraudulent binders/proofs of insurance, provided false, misleading or incomplete responses to the Dept, and demonstrated that he's untrustworthy. 
  
WILLIS IL INC  Lic# IA145 
 
Against: Insurance Agency  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 6/21/2004  $250 Fine 
File # IN 2403699 KB  
Allegation:  
Respondent failed to report other states actions within 30 days as required by Minnesota law. 
  
TIME INSURANCE COMPANY  Naic# 69477 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Other/Consent     
Signed: 6/23/2004  $500 Fine 
File # IN 2404033 UMB  
Allegation:  
Respondent failed to notify the Commissioner within 10 business days of a action from other state. 
  
STEPHEN JOHNSON  Lic# IN0417351 
 
Against: Insurance Agent  Location: CHANHASSEN, MN 
Action: Other/Consent     
Signed: 6/29/2004  
File # IN 2309001 BD  
Allegation:  
Respondent has past history of financial irresponsibilty and submitted conflicting information in his license application. 
  
GREAT DIVIDE INSURANCE COMPANY  Naic# 25224 
 
Against: Insurance Company  Location: SCOTTSDALE, AZ 
Action: Other/Consent     
Signed: 7/6/2004  $6000 Fine 
File # IN 2208786 BD  
Allegation:  
Respondent sold numerous policies in this state through an unlicensed agent. 
  
STEVEN CRAWFORD  Lic# IN0275011 
 
Against: Insurance Agent  Location: GAITHERSBURG, MD 
Action: Other/Consent     
Signed: 7/6/2004  $250 Fine 
File # IN 2404587 BD  
Allegation:  
Respondent failed to comply with marketing regulation by failing to register assumed name. 
  
LANDY HERBERT H INS AGCY INC  Lic# IA0060518 
 
Against: Insurance Agency  Location: NEEDHAM, MA 
HERBERT LANDY  Lic# IN72951 
 
Against: Insurance Agent  Location: NEWTON, MA 
Action: Other/Consent     
Signed: 7/7/2004  $250 Fine 
File # IN 2404077 KB  
Allegation:  
Respondent failed to report other states action within 30 days as required by Minnesota law. 
  
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE)  Naic# 64246 
 
Against: Insurance Company  Location: NEW YORK, NY 
Action: Cease & Desist/Consent     
Signed: 7/12/2004  $2500 Fine 
File # IN 2401648 MBF  
Allegation:  
Respondent failed to respond to the Commissioner's repeated requests for information. 
  
H W ABTS & ASSOCIATES INC  Lic# IA0390857 
 
Against: Insurance Agency  Location: RENO, NV 
Action: Other/Consent     
Signed: 7/12/2004  $500 Fine 
File # IN 2403825 MBF  
Allegation:  
Respondent hired an individual who has been convicted of a felony involving dishonesty; the individual has not gotten a DOI waiver. 
  
ULTIMATE WARRANTY CORPORATION  Lic# UC0463158 
 
Against: Unlicensed Company  Location: ROCKY RIVER, OH 
CAPITAL ASSURANCE RISK RETENTION GROUP, INC.  Naic# 11194 
 
Against: Insurance Company  Location: CHARLESTON, SC 
Action: Cease & Desist/Hearing     
Signed: 7/21/2004  
File # IN 2205870 MBF  
Allegation:  
Capital Assurance failed to meet minimum captial and surplus requirement; Ultimate Warranty failed to respond, and issued sold and offered contracts without proper reinsuance or notice. 
  
PATRICK KOSMICKI  Lic# IN0417097 
 
Against: Insurance Agent  Location: MINNEAPOLIS, MN 
PATRICK KOSMICKI  Lic# NO0427026 
 
Against: Notary  Location: MINNEAPOLIS, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 7/26/2004  
File # IN 2401111 MBF  
Allegation:  
Respondent provided incorrect, misleading, incomplete and materially untrue information on his insurance producer and notary applications. 
  
BANKERS LIFE AND CASUALTY COMPANY  Naic# 61263 
 
Against: Insurance Company  Location: CHICAGO, IL 
Action: Other/Consent     
Signed: 8/3/2004  
File # IN 2007426 PDH  
Allegation:  
Company failed to pay level commissions on medicare supp policies and failed to provide proper notice to some life insureds. 
  
JOHN ALDEN LIFE INSURANCE COMPANY  Naic# 65080 
 
Against: Insurance Company  Location: MILWAUKEE, WI 
Action: Other/Consent     
Signed: 8/9/2004  $5000 Fine 
File # IN 2103139 BD  
Allegation:  
Respondent improperly revoked a disabled insured's waiver of premium and failed to timely respond to the Dept. 
  
PETER ARKLEY  Lic# IN0364809 
 
Against: Insurance Agent  Location: LOS ANGELES, CA 
Action: Other/Consent     
Signed: 8/9/2004  $250 Fine 
File # IN 2403718 BD  
Allegation:  
Respondent failed to timely report adminstrative action by other states and timely respond to this Dept. 
  
ROBERT JONES  Lic# IN0100574 
 
Against: Insurance Agent  Location: MPLS, MN 
ROBERT JONES  Lic# NO0161038 
 
Against: Notary  Location: MPLS, MN 
Action: Suspension/Consent  Begin: 8/9/2004    End: 2/5/2005 
Signed: 8/9/2004  $1000 Fine 
File # IN 2404286 MBF  
Allegation:  
Respondent engaged in a dishonest practice involving the business of insurance. 
  
BANNER LIFE INSURANCE COMPANY  Naic# 94250 
 
Against: Insurance Company  Location: ROCKVILLE, MD 
Action: Other/Consent     
Signed: 8/11/2004  $1000 Fine 
File # IN 2400834 SMK  
Allegation:  
Failed to provide an adverse underwriting notification as required by law. 
  
FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY  Naic# 11800 
 
Against: Insurance Company  Location: GRAND RAPIDS, MI 
FOREMOST SIGNATURE INSURANCE COMPANY  Naic# 41513 
 
Against: Insurance Company  Location: GRAND RAPIDS, MI 
FOREMOST INSURANCE COMPANY  Naic# 11185 
 
Against: Insurance Company  Location: GRAND RAPIDS, MI 
AMERICAN FEDERATION INSURANCE COMPANY  Naic# 43699 
 
Against: Insurance Company  Location: CALEDONIA, MI 
Action: Cease & Desist/Consent     
Signed: 8/18/2004  $75000 Fine 
File # IN 2205084 KB  
Allegation:  
Market conduct examination revealed various claims practices violations, acceptance of unlicensed or unappointed business, and some marketing and advertising violations. 
  
JEFFREY BURKETT  Lic# IN0442881 
 
Against: Insurance Agent  Location: WARREN, MN 
Action: Other/Consent     
Signed: 8/25/2004  
File # IN 2402514 BD  
Allegation:  
Respondent was issued conditional license because of unpaid child support. 
  
GENERAL CASUALTY COMPANY OF WISCONSIN  Naic# 24414 
 
Against: Insurance Company  Location: SUN PRAIRIE, WI 
Action: Other/Consent     
Signed: 8/25/2004  $1000 Fine 
File # IN 2404495 UMB  
Allegation:  
Failure to pay claim in a timely manner. 
  
UNITED FIRE & CASUALTY COMPANY  Naic# 13021 
 
Against: Insurance Company  Location: CEDAR RAPIDS, IA 
Action: Other/Consent     
Signed: 8/27/2004  $2500 Fine 
File # IN 2404293 SMK  
Allegation:  
Improperty denied an automobile liability claim. 
  
MARTIN TJADEN  Lic# IN013890 
 
Against: Insurance Agent  Location: BLOOMINGTON, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 9/1/2004  
File # IN 2401535 BD  
Allegation:  
Respondent accepted premium money and failed to timely secure coverage. 
  
JOSEPH RODWELL  Lic# IN0081 
 
Against: Insurance Agent  Location: STILLWATER, MN 
Action: Other/Consent     
Signed: 9/17/2004  $250 Fine 
File # IN 2401648 MBF  
Allegation:  
Respondent failed to notify the department within 10 days of his address change. 
  
CHRISTINE RIDDELL  Lic# IN0277235 
 
Against: Insurance Agent  Location: REDONDO BEACH, CA 
Action: Summary Suspension, Notice of     
Signed: 9/22/2004  
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. 
  
HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY  Naic# 70815 
 
Against: Insurance Company  Location: HARTFORD, CT 
Action: Other/Consent     
Signed: 9/22/2004  $3000 Fine 
File # IN 2400469 PEG  
Allegation:  
Respondent denied disability claim without conducting a reasonable and thorough investigation of the claim. 
  
WASHINGTON NATIONAL INSURANCE COMPANY  Naic# 70319 
 
Against: Insurance Company  Location: CARMEL, IN 
Action: Other/Consent     
Signed: 9/22/2004  $1000 Fine 
File # IN 2403827 SMK  
Allegation:  
Respondent failed to provide an adverse underwriting notification as required by law. 
  
SAFECO INSURANCE COMPANY OF ILLINOIS  Naic# 39012 
 
Against: Insurance Company  Location: HOFFMAN ESTATES, IL 
Action: Other/Consent     
Signed: 9/22/2004  $5000 Fine 
File # IN 2404826 CLN  
Allegation:  
Respondent did not attempt in good faith to effectuate prompt, fair and equitable settlement of a claim. 
  
FARM BUREAU MUTUAL INSURANCE COMPANY  Naic# 13773 
 
Against: Insurance Company  Location: W DES MOINES, IA 
Action: Cease & Desist/Consent     
Signed: 9/27/2004  $200000 Fine 
File # IN 2301578 MBF  
Allegation:  
Farm Bureau allegedly improperly cancelled and non-renewed homeowners and automobile policies and among other things, failed to disclose certain information to policy holders. 
  
ERIC TREEND  Lic# IN0313290 
 
Against: Insurance Agent  Location: HUDSON, OH 
Action: Civil Penalty     
Signed: 9/29/2004  $250 Fine 
File # IN 2406755 MBF  
Allegation:  
Respondent failed to report other states action to the department timely. 
  
REGAL INSURANCE COMPANY  Naic# 38873 
 
Against: Insurance Company  Location: BIRMINGHAM, AL 
Action: Other/Consent     
Signed: 9/30/2004  $1000 Fine 
File # IN 2405520 SMK  
Allegation:  
Failed to respond in a timely manner to a claim document request made by an injured regarding a PIP claim. 
  
INFINITY INSURANCE COMPANY  Naic# 22268 
 
Against: Insurance Company  Location: BIRMINGHAM, AL 
Action: Other/Consent     
Signed: 10/14/2004  $3000 Fine 
File # IN 2401520 PEG  
Allegation:  
Respondent failed to issue payment on a no-fault claim in a timely manner and failed to respond to our department. 
  
AMERICAN ROAD INSURANCE COMPANY (THE)  Naic# 19631 
 
Against: Insurance Company  Location: DEARBORN, MI 
Action: Other/Consent     
Signed: 10/25/2004  $9500 Fine 
File # IN 2401528 SMK  
Allegation:  
Respondent sold and issued motor vehicle services contracts in MN prior to the department approval. 
  
ROBIN SMITH HELM  Lic# IN0372655 
 
Against: Insurance Agent  Location: CHANDLER, OK 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 10/28/2004  
File # IN 2307560 MBF  
Allegation:  
Respondent failed to disclose information about another states action on her insurance producer application. 
  
JASON HANSON  Lic# IN0472348 
 
Against: Insurance Agent  Location: FARMINGTON, MN 
Action: Other/Consent     
Signed: 11/5/2004  
File # IN 2406931 BD  
Allegation:  
Respondent was issued conditional license based on past misdemeanor charge. 
  
GREGORY PETRIE  Lic# IN0017820 
 
Against: Insurance Agent  Location: CHASKA, MN 
Action: Civil Penalty     
Signed: 11/16/2004  $500 Fine 
File # IN 2407224 BD  
Allegation:  
Respondent used deceptive practices to obtain information not involving the business of insurance. 
  
SHARON SCHWARTZ  Lic# IN0087747 
 
Against: Insurance Agent  Location: ST PAUL, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 11/17/2004  
File # IN 2402419 MBF  
Allegation:  
Respondent has plead guilty to a crime involving moral turpitude and engaged in dishonest practices thereby demonstrating untrustworthiness making her unqualified to be an insurance producer. 
  
KENNETH KRAMER  Lic# IN0043884 
 
Against: Insurance Agent  Location: MANKATO, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 11/17/2004  
File # IN 2406295 KB  
Allegation:  
Respondent improperly withheld, misappropriated, or coverted money received in the course of doing insurance business. 
  
MONICA WOODS  Lic# IN0470977 
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Other/Consent     
Signed: 11/17/2004  
File # IN 2406709 BD  
Allegation:  
Applicant was granted a conditonal license in light of past criminal charge. 
  
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY  Naic# 68195 
 
Against: Insurance Company  Location: CHATTANOOGA, TN 
PAUL REVERE LIFE INSURANCE COMPANY (THE)  Naic# 67598 
 
Against: Insurance Company  Location: WORCESTER, MA 
UNUM LIFE INSURANCE COMPANY OF AMERICA  Naic# 62235 
 
Against: Insurance Company  Location: PORTLAND, ME 
Action: Other/Consent     
Signed: 11/19/2004  $250000 Fine 
File # IN 9908354 MBF  
Allegation:  
The Commissioner alleges various timeliness violations concerning claims, failure to maintain certain record, failure to provide certains information related to claims, and/or to assure suitability. 
  
AMERICAN RESIDENTAIL TITLE LLC  Lic# IA0441068 
 
Against: Insurance Agency  Location: EDEN PRAIRIE, MN 
Action: Other/Consent     
Signed: 11/22/2004  $5000 Fine 
File # IN 2406823 PJS  
Allegation:  
Respondent issued title insurance commitments and negotiated title policies prior to obtaining the required license. 
  
COVERDELL & COMPANY INC  Lic# IA0456782 
 
Against: Insurance Agency  Location: ATLANTA, GA 
Action: Civil Penalty     
Signed: 11/30/2004  $1000 Fine 
File # IN 2408171 BD  
Allegation:  
Respondent through and outside vendor omitted material facts in its application. 
  
AMERICAN INCOME LIFE INSURANCE COMPANY  Naic# 60577 
 
Against: Insurance Company  Location: WACO, TX 
Action: Other/Consent     
Signed: 12/2/2004  $2500 Fine 
File # IN 2400966 CLN  
Allegation:  
Respondent issued life insurance policies without having reasonable grounds for believing the issuance was suitable for the customer needs. 
  
WILLIAM KENNEDY  Lic# IN165 
 
Against: Insurance Agent  Location: DULUTH, MN 
Action: Other/Consent     
Signed: 12/2/2004  $1000 Fine 
File # IN 2406085 BD  
Allegation:  
Respondent was negligent in failing to obtain homeowner's coverage for insured. 
  
LIBERTY MUTUAL INSURANCE COMPANY  Naic# 23043 
 
Against: Insurance Company  Location: BOSTON, MA 
Action: Other/Consent     
Signed: 12/2/2004  $1500 Fine 
File # IN 2406844 UMB  
Allegation:  
Respondent failed to respond in a timely manner. 
  
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: Other/Consent     
Signed: 12/4/2004  $10000 Fine 
File # IN 2403428 PEG  
Allegation:  
Respondent failed to amend health contracts to include mandated benfits for treatment related to conditions resulting from breast implants. 
  
ULTIMATE WARRANTY CORPORATION  Lic# UC0463158 
 
Against: Unlicensed Company  Location: ROCKY RIVER, OH 
Action: Cease & Desist/Consent     
Signed: 12/29/2004  $2000 Fine 
File # IN 2205870 MBF  
Allegation:  
Respondent failed to respond to the Commissioner's request for information and failed to conspicuously list certain information in their contracts. 
  
DARWIN OLSON  Lic# IN62583 
 
Against: Insurance Agent  Location: APPLE VALLEY, MN 
Action: Cease & Desist/Consent     
Signed: 12/29/2004  $300 Fine 
File # IN 2307771 BD  
Allegation:  
Respondent provided financial plannig services without obtaining the required financial planning disclosure. 
  
DANIEL REED  Lic# IN0146622 
 
Against: Insurance Agent  Location: MAPLE GROVE, MN 
DANIEL REED  Lic# NO0323884 
 
Against: Notary  Location: MAPLE GROVE, MN 
Action: Revocation/Consent  Begin:    End: Indefinite 
Signed: 12/29/2004  $43867.22 Fine 
File # IN 2402628 MBF  
Allegation:  
Respondent issued fraudulent insurance binders and submitted false underwriting information concerning numerous applications which resulted in improper discounts and rating of policies. 
  
THOMAS LEMIRE  Lic# IN4239 
 
Against: Insurance Agent  Location: MPLS, MN 
Action: Revocation/Consent     Begin: End: Indefinite 
Signed: 12/29/2004  
File # IN 2406186 BD Allegation:  
Acting in his capacity as agent, Respondent reinstated his own coverage without paying premium. 
  
STATE NATIONAL INSURANCE COMPANY, INC.  Naic# 12831 
 
Against: Insurance Company  Location: FORT WORTH, TX 
Action: Other/Consent     
Signed: 12/30/2004  $7500 Fine 
File # IN 2406817 SMK  
Allegation:  
Respondent sold issued and administered veterinary insurance in MN without the proper licensure and without submitting policy forms for approval