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Insurance Enforcement Actions

From: 1/1/2000   To: 12/31/2006


ROGER MCQUAID Lic# IN36667
Against: Insurance Agent Location: OAKDALE, MN
Action: Order Amended   
Signed: 1/10/2000
File # IN 9901444 PEG
Allegation:
Amends Statement of Charges/Order for Hearing signed 11/8/1999. Allege Resp replaced an annuity with one that was not suitable for the client's situation.
 
NANCY GILGER Lic# IN011255
Against: Insurance Agent Location: ST PAUL, MN
Action: Suspension/Consent    Begin: 1/15/2000 End: 7/15/2001
Signed: 1/18/2000
File # IN 9705004 MSL
Allegation:
Allege Resp falsified production records to defraud her employer of commissions. Following the suspension, Resp's license is subject to restrictions regarding supervision within an agency, and handling of insurance funds for a period of 18 months.
 
UNITED WISCONSIN INSURANCE COMPANY Naic# 29157
Against: Insurance Company Location: MILWAUKEE, WI
AMER MEDICAL SECURITY INC Lic# IA0017464
Against: Insurance Agency Location: GREEN BAY, WI
UNITED WISCONSIN INSURANCE COMPANY Naic# 97179
Against: Insurance Company Location: GREEN BAY, WI
Action: Other/Consent   
Signed: 1/24/2000 $395000 Fine
File # IN 9605063 MSL
Allegation:
Resps issued unfiled/unapproved policy forms, unapproved health ins rates, improperly imposed 3 month elimination period to policyholders, failed to cooperate with Dept. Terms include audit of requests for reimbursement from health care providers.
 
YVONNE REINHOLD Lic# IN48462
Against: Insurance Agent Location: MPLS, MN
Action: Suspension/Consent    Begin: 1/31/2000 End: 1/31/2001
Signed: 1/31/2000
File # IN 9800189 MSL
Allegation:
Allege Resp falsified documents to show that she had sold policies to persons, when in fact the persons had made no purchase, improperly withheld commissions paid on the fraudulent policies. Conditions following suspension are outlined in the order.
 
LEONARD CARLSON Lic# IN5548
Against: Insurance Agent Location: MONTICELLO, MN
Action: Censure/Consent   
Signed: 1/31/2000 $1000 Fine
File # IN 9903955 GAW
Allegation:
Resp sold an annuity contract without the authorization of the insurer, and misrepresented the identity of the selling agent to the insurer.
 
RAM MUTUAL INSURANCE COMPANY Naic# 16330
Against: Insurance Company Location: ESKO, MN
Action: Other/Consent   
Signed: 1/31/2000 $500 Fine
File # IN 9907078 SMK
Allegation:
Resp issued a claim denial based on policy language that was not applicable to the facts of the claim.
 
THO LE Lic# IN0142446
Against: Insurance Agent Location: BURNSVILLE, MN
Action: Other/Consent   
Signed: 1/31/2000
File # IN 9907239 LMD
Allegation:
Resp pleaded guilty to felony theft thereby subjecting his insurance agent license to administrative sanction. License is surrendered and terminated effective the date of this order. Shall not re-apply for an ins agent license for minimum of one year
 
BUDE FONDURULIA Lic# IN006446
Against: Insurance Agent Location: ISLE, MN
Action: Other/Consent   
Signed: 1/31/2000
File # IN 9908205 LJ
Allegation:
Resp issued a restrictive insurance agent license upon conditions regarding handling of funds payable to agency or insurer. Resp must maintain a $20,000 surety bond, and be employed under direct supervision of a managing agent.
 
NICOLE GARDNER Lic# SA865119
Against: Security Agent Location: ,
Action: Revocation/Consent    Begin: 1/31/2000 End: Indefinite
Signed: 1/31/2000
File # IN 9908838 SMK
Allegation:
Resp was convicted of a felony and failed to notify the Department of the conviction within the time required by law.
 
NICOLE GARDNER Lic# IN0118284
Against: Insurance Agent Location: LAKELAND, MN
Action: Revocation/Consent    Begin: 1/31/2000 End: Indefinite
Signed: 1/31/2000
File # IN 9908838 SMK
Allegation:
Resp was convicted of a felony and failed to notify the Department of the conviction within the time required by law.
 
JEANETTE REIERSON Lic# IN7154
Against: Insurance Agent Location: NEWFOLDEN, MN
Action: Revocation/Consent    Begin: 10/30/1999 End: Indefinite
Signed: 2/11/2000
File # IN 9903298 GAW
Allegation:
Resp inappropriately traced over several insurance customers' signatures on insurance applications submitted to her employer; failed to promptly deliver an insurance policy to a customer; provided incomplete replies to Dept regarding her activities.
 
TODD CARLSON Lic# IN0128853
Against: Insurance Agent Location: WATERTOWN, MN
Action: Suspension/Consent    Begin: 10/23/1999 End: 10/30/1999
Signed: 2/11/2000
File # IN 9903955 GAW
Allegation:
Resp improperly allowed the sale of an annuity contract utilizing his name as the selling agent without the authorization of the insurer, thereby misrepresenting the identity of the selling agent to the insurer. License suspended retroactively.
 
BRYAN REMELS Lic# IN0159570
Against: Insurance Agent Location: CANTON, IL
Action: Revocation/Consent    Begin: 2/11/2000 End: Indefinite
Signed: 2/11/2000
File # IN 9906916 SMK
Allegation:
Resp failed to notify the Department of a criminal conviction or change of address, and failed to respond to requests for information from the Department.
 
ST. PAUL FIRE AND MARINE INSURANCE COMPANY Naic# 24767
Against: Insurance Company Location: ST PAUL, MN
Action: Cease & Desist/Consent   
Signed: 2/11/2000 $1000 Fine
File # IN 9906975 SMK
Allegation:
Resp failed to respond to claimant's correspondence regarding a claim; denied PIP claim without the use of an IME/administrative review by a qualified medical reviewer.
 
PAUL MELBY Lic# IN2202
Against: Insurance Agent Location: MENDOTA HEIGHTS, MN
Action: Revocation/Consent    Begin: 2/16/2000 End: Indefinite
Signed: 2/16/2000
File # IN 9903156 GAW
Allegation:
Resp provided the Dept with incomplete replies to requests for information and documentation of his activities, and improperly obtained unregistered security loans, proving himself to be financially irresponsible.
 
TIG PREMIER INSURANCE COMPANY Naic# 25518
Against: Insurance Company Location: IRVING, TX
Action: Other/Consent   
Signed: 2/28/2000 $15000 Fine
File # IN 9906150 UMB
Allegation:
Resp failed to properly cancel personal auto policies and issue refunds to insureds; failed to properly appoint and supervise agents.
 
WAYNE BRIGGS Lic# IN44612
Against: Insurance Agent Location: EDINA, MN
Action: Revocation/Consent    Begin: 2/29/2000 End: Indefinite
Signed: 2/29/2000
File # IN 9906530 CLN
Allegation:
Resp improperly withheld, misappropriated or converted money belonging to a policyholder by failing to remit premiums received from an insured to the insurer.
 
MHI AGCY INC Lic# IA0163764
d/b/a MINNESOTA HOSPITALITY INS
Against: Insurance Agency Location: ST MICHAEL, MN
Action: Revocation/Consent    Begin: 2/29/2000 End: Indefinite
Signed: 2/29/2000
File # IN 9906530 CLN
Allegation:
Resp improperly withheld, misappropriated or converted money belonging to a policyholder by failing to remit premiums received from an insured to the insurer.
 
W D HOLDING CO INC Lic# IA0163757
d/b/a INS BROKERS AMER
Against: Insurance Agency Location: ST MICHAEL, MN
Action: Revocation/Consent    Begin: 2/29/2000 End: Indefinite
Signed: 2/29/2000
File # IN 9906530 CLN
Allegation:
Resp improperly withheld, misappropriated or converted money belonging to a policyholder by failing to remit premiums received from an insured to the insurer.
 
UNION SECURITY INSURANCE COMPANY Naic# 70408
Against: Insurance Company Location: KANSAS CITY, MO
Action: Other/Consent   
Signed: 3/5/2000 $500 Fine
File # IN 9907456 PEG
Allegation:
Resp failed to promptly re-process an insured's claim and failed to adopt and implement reasonable standards for a prompt investigation.
 
PRINCIPAL LIFE INSURANCE COMPANY Naic# 61271
Against: Insurance Company Location: DES MOINES, IA
Action: Record Only   
Signed: 3/6/2000
File # IN 2004717 GAL
Allegation:
Order of Denial of Medicare Supplement Rate Increase involving two Policy Analysis rate filings.
 
MN AUTO ASSIGNED CLAIMS BUREAU Lic# UC0205849
Against: Unlicensed Company Location: OSSEO, MN
Action: Other   
Signed: 3/7/2000
File # IN 2000485 PJG
Allegation:
Petitioner appeal of denial of benefits by Respondent. Issue to be determined is whether the Petitioner was the owner of one or more uninsured motor vehicles at the time of the accident.
 
WILLIAM GORDON Lic# IN011596
Against: Insurance Agent Location: BURNSVILLE, MN
Action: Order for Hrg/Statement of Charges   
Signed: 3/11/2000
File # IN 9806054 GLP
Allegation:
Allege Resp misappropriated monies, failed to forward premiums received from clients to the insurer and failed to respond to requests for information from the Dept.
 
KENNETH OLSON Lic# IN5456
Against: Insurance Agent Location: CARLTON, MN
Action: Revocation/Consent    Begin: 3/14/2000 End: Indefinite
Signed: 3/14/2000
File # IN 2000174 CLN
Allegation:
Resp created counterfeit automobile insurance documents including policy and identification cards and provided these documents to applicants for insurance coverage.
 
BNC NATIONAL BANK MINNESOTA Lic# UC0273679
Against: Unlicensed Company Location: MPLS, MN
Action: Order for Hrg/Statement of Charges   
Signed: 3/16/2000
File # IN 9905226 GAL
Allegation:
Resp issued an irrevocable letter of credit to be used as security in conjunction with an application to self-insure for workers compensation; letter of credit contained an expiration date which is in violation of the statute.
 
DAVE STREGE Lic# AJ0157085
Against: Adjuster Location: MAHTOMEDI, MN
Action: Revocation/Consent    Begin: 3/20/2000 End: Indefinite
Signed: 3/20/2000
File # IN 2001685 MSL
Allegation:
Resp engaged in conduct that would disqualify him from holding an adjuster license.
 
OBDULIO CERCENO Lic# IN0053416
Against: Insurance Agent Location: ROSEVILLE, MN
Action: Order for Hrg/Statement of Charges   
Signed: 3/20/2000
File # IN 9903991 PJG
Allegation:
Allege Resp failed to submit 30 applications for homeowners insurance to insurer; failed to submit four premium payments to insurer; failed to respond to Dept requests for information; and failed to appear as ordered by the Dept.
 
JAMES JORDAN Lic# IN3229
Against: Insurance Agent Location: EDEN PRAIRIE, MN
Action: Other/Hearing   
Signed: 3/27/2000
File # IN 9801087 GAW
Allegation:
Resp utilized adv/mkting material which misrepresented the liquidity of an ins. policy; failed to identify the policy being sold as life ins.; failed to disclose sources of statistical info.; failed to include required explanation of "tax-free" claim
 
USAA CASUALTY INSURANCE COMPANY Naic# 25968
Against: Insurance Company Location: SAN ANTONIO, TX
Action: Other/Consent   
Signed: 3/27/2000 $1000 Fine
File # IN 9907422 MBF
Allegation:
Resp repeatedly failed to provide required documents and information to the Dept. Additional $2000 penalty is stayed on condition that Resp provide all currently requested documentation and information, and any requested in the future.
 
AGCY ONE INS INC Lic# IA0092934
Against: Insurance Agency Location: SHAKOPEE, MN
Action: Censure/Consent   
Signed: 4/3/2000
File # IN 9906611 GAW
Allegation:
Resp allowed its agent to improperly withhold policyholder money; failed to provide monthly statements to the customer concerning holding of these funds; and failed to maintain mandatory financial records.
 
JAMES MENDEN Lic# IN75398
Against: Insurance Agent Location: SHAKOPEE, MN
Action: Suspension/Consent   
Signed: 4/3/2000 $500 Fine
File # IN 9906611 GAW
Allegation:
Resp improperly withheld policyholder money; failed to provide monthly statements to the customer concerning the holding of those funds; and failed to maintain mandatory financial records.
 
COML ASSOC INC Lic# IA229
Against: Insurance Agency Location: BURNSVILLE, MN
Action: Censure/Consent   
Signed: 4/3/2000
File # IN 9906646 MBF
Allegation:
Resp did not properly maintain its client's account with regard to client's funds; allowed unnecessary delays in the processing of client's funds.
 
GERALD CRANDALL Lic# IN27671
Against: Insurance Agent Location: CHANHASSEN, MN
Action: Censure/Consent   
Signed: 4/3/2000 $500 Fine
File # IN 9906646 MBF
Allegation:
Resp improperly supervised an agent in his employ, failed to ensure refunds were remitted promptly, and failed to properly maintain client's account records.
 
JEFFREY HALLING Lic# IN0009861
Against: Insurance Agent Location: ST PAUL, MN
Action: Revocation/Consent    Begin: 10/31/1998 End: Indefinite
Signed: 4/8/2000
File # IN 9807869 SGC
Allegation:
Resp plead guilty to felony theft in Hennepin County District Court and was sentenced on 12/3/1999. Per statute, these admitted acts constitute grounds for revocation of Resp's insurance license.
 
CURTIS FENTON Lic# IN59524
Against: Insurance Agent Location: HOPKINS, MN
Action: Suspension/Consent    Begin: 5/1/2000 End: 5/29/2000
Signed: 4/8/2000
File # IN 9904580 PEG
Allegation:
Resp sold life insurance policies to a client that were unsuitable for client's situation.
 
ROGER MCQUAID Lic# IN36667
Against: Insurance Agent Location: OAKDALE, MN
Action: Order Vacated   
Signed: 4/14/2000
File # IN 9901444 PEG
Allegation:
Order to Vacate Notice of Hearing, Notice of Pretrial Conference and Statement of Charges issued Nov. 9, 1999 and amended order issued Jan. 10, 2000.
 
LOIS MARSTON Lic# IN45690
Against: Insurance Agent Location: MT LAKE, MN
Action: Suspension/Consent    Begin: 5/15/2000 End: 5/29/2000
Signed: 4/18/2000
File # IN 9905637 PEG
Allegation:
Resp failed to respond to the Department's request for information.
 
CONNECTICUT GENERAL LIFE INSURANCE COMPANY Lic# 62308
Against: Location: PHILADELPHIA, PA
Action: Cease & Desist/Consent   
Signed: 4/18/2000 $2500 Fine
File # IN 9908403 SMK
Allegation:
Resp failed to have policy forms approved by the Department prior to use in MN, failed to cancel policy for insured withi time requested, continued to collect premium then failed to refund premium with the time required.
 
TIFFANY MARTIN Lic# IN0214887
Against: Insurance Agent Location: MPLS, MN
Action: Other/Consent   
Signed: 4/21/2000
File # IN 2001875 CLN
Allegation:
Commissioner was prepared to deny insurance agent license to Resp because of a criminal record. A conditional license was issued, restricting agent's activities, including the handling of funds.
 
JAMES SPILLMAN Lic# IN0165008
Against: Insurance Agent Location: EAGAN, MN
Action: Revocation/Consent    Begin: 4/25/2000 End: Indefinite
Signed: 4/25/2000
File # IN 2001056 MBF
Allegation:
Resp was convicted of a felony; has engaged in dishonest acts; misappropriated money belonging to another; and failed to inform the Department of his felony conviction within 10 working days of the conviction.
 
BNC NATIONAL BANK MINNESOTA Lic# UC0273679
Against: Unlicensed Company Location: MPLS, MN
Action: Order Amended   
Signed: 4/26/2000
File # IN 9905226 GAL
Allegation:
Amends SOC issued on 3/16/2000. Resp issued an irrevocable letter of credit to be used as security in conjunction with an application to self-insure for workers compensation; letter of credit contained an expiration date in violation of the statute.
 
PRINCIPAL LIFE INSURANCE COMPANY Naic# 61271
Against: Insurance Company Location: DES MOINES, IA
Action: Order for Hrg/Statement of Charges   
Signed: 5/1/2000
File # IN 2003153 MSL
Allegation:
Hearing regarding the Commissioner's Order of Disapproval for Medicare Supplement policy premium rate increase issued 3/6/2000.
 
WILLIAM OSTROM Lic# IN33674
Against: Insurance Agent Location: FARIBAULT, MN
Action: Revocation/Consent    Begin: 3/14/2000 End: Indefinite
Signed: 5/5/2000
File # IN 2001580 SMK
Allegation:
Resp engaged in untrustworthy, dishonest and financially irresponsible acts, improperly withheld and misappropriated money belonging to others, and failed to provide Dept with requested information.
 
INFINITY INSURANCE COMPANY Naic# 22268
Against: Insurance Company Location: BIRMINGHAM, AL
Action: Order for Hrg/Statement of Charges   
Signed: 5/9/2000
File # IN 9906042 MBF
Allegation:
Allege Resp failed to conduct a proper and timely investigation before denying a claim, and improperly cancelled an automobile insurance policy.
 
EDWARD NOBLE Lic# IN1190
Against: Insurance Agent Location: EXCELSIOR, MN
Action: Suspension/Consent    Begin: 5/29/2000 End: 6/12/2000
Signed: 5/16/2000 $500 Fine
File # IN 2000840 MBF
Allegation:
Resp failed to respond to Department's requests for information, then provided incomplete and misleading information to the Department.
 
WORLD INSURANCE COMPANY Naic# 70629
Against: Insurance Company Location: OMAHA, NE
Action: Cease & Desist/Consent   
Signed: 5/16/2000 $2500 Fine
File # IN 2002167 SMK
Allegation:
Resp, as a company underwriting policy, denied health insurance coverage for persons of a specific occupation without establishing supporting data, actuarial projections or claims experience statistics.
 
AMERICAN AND FOREIGN INSURANCE COMPANY Naic# 24589
Against: Insurance Company Location: CHARLOTTE, NC
Action: Other/Consent   
Signed: 5/16/2000 $1500 Fine
File # IN 9908654 MBF
Allegation:
Resp provided incomplete information to the Commissioner, denied a claim without a reasonable investigation, and has not attempted in good faith to effect prompt and equitable settlements of claims in which liability has become reasonably clear.
 
RICHARD KIELSA Lic# IN7858
Against: Insurance Agent Location: WOODBURY, MN
Action: Order for Hrg/Statement of Charges   
Signed: 5/18/2000
File # IN 9901111 CLN
Allegation:
Allege Resp sold insurance while license was under suspension, misappropriated premiums, replaced life ins w/o providing replacement forms, falsified applications for life ins, and offered to rebate premium as an inducement to the sale of life ins.
 
INDIANA INSURANCE COMPANY Lic# 22659
Against: Location: INDIANAPOLIS, IN
Action: Other/Consent   
Signed: 5/26/2000 $25000 Fine
File # IN 2000189 CLN
Allegation:
Allege resp engaged in the business of insurance without a certificate of authority.
 
DUANE ALDRICH Lic# IN68801
Against: Insurance Agent Location: WILLMAR, MN
Action: Suspension/Consent FONT>    Begin: 5/25/2000 End: 5/31/2000
Signed: 5/31/2000
File # IN 2002507 CLN
Allegation:
Resp forged an insured's signature.
 
ROBERT COPELAND Lic# IN035
Against: Insurance Agent Location: EDEN PRAIRIE, MN
Action: Order for Hrg/Statement of Charges   
Signed: 5/31/2000
File # IN 9903156 GAW
Allegation:
Allege Resp failed to properly notify the Department of his bankruptcy proceedings, solicited the sale of unregistered securities notes, and forged another's name to loan documents.
 
VIATICUS INC Lic#
Against: Location: ,
Action: Other/Consent   
Signed: 6/2/2000 $250 Fine
File # IN 2003913 PDH
Allegation:
Resp shall immediately submit an application for a viatical settlement license, maintain the license in good standing at all times and shall ensure that the annual license renewal fee is promptly paid to the Dept prior to the date required.
 
EDWARD GLASS Lic# IN85190
Against: Insurance Agent Location: MINNETONKA, MN
Action: Order for Hrg/Statement of Charges   
Signed: 6/5/2000
File # IN 2000414 CLN
Allegation:
Allege Resp financially exploited an elderly woman classified as a vulnerable adult over whom he had power of attorney; failed to respond to Dept requests for information; failed to appear at Dept as ordered.
 
WILLIAM GORDON Lic# IN011596
Against: Insurance Agent Location: BURNSVILLE, MN
Action: Revocation/Hearing    Begin: 6/14/2000 End: Indefinite
Signed: 6/14/2000 $5783 Fine
File # IN 9806054 GLP
Allegation:
Findings of Fact. Resp misappropriated monies, failed to forward premiums received from clients to the insurer and failed to respond to requests for information from the Dept.
 
EDWARD GLASS Lic# IN85190
Against: Insurance Agent Location: MINNETONKA, MN
Action: Other   
Signed: 6/22/2000
File # IN 2000414 CLN
Allegation:
Department withdrew Notice Of and Order for Hearing, Notice of Prehearing Conference and Statement of Charges issued 6/5/2000. Respondent died on 4/25/2000.
 
GRINNELL MUTUAL REINSURANCE COMPANY Naic# 14117
Against: Insurance Company Location: GRINNELL, IA
Action: Order for Hrg/Statement of Charges   
Signed: 6/22/2000
File # IN 9906099 CLN
Allegation:
Allege Resp failed to pay all reasonable costs for the replacement of automobile window glass.
 
MARIETHA BATCHELOR Lic# IN4638
Against: Insurance Agent Location: BLAINE, MN
Action: Revocation/Consent    Begin: 6/29/2000 End: Indefinite
Signed: 6/29/2000
File # IN 2000009 GAW
Allegation:
Resp backdated the effective date of an automobile insurance policy on an insurance application.
 
ORION WARRANTY SERVICES Lic# UC0229001
Against: Unlicensed Company Location: FARMINGTON, CT
Action: Cease & Desist/Consent   
Signed: 6/29/2000 $2500 Fine
File # IN 9906538 PJG
Allegation:
Resp offered motor vehicle service contracts without said contracts being properly filed with the Department.
 
OBDULIO CERCENO Lic# IN0053416
Against: Insurance Agent Location: ROSEVILLE, MN
Action: Revocation/Hearing    Begin: 7/5/2000 End: Indefinite
Signed: 7/5/2000 $10000 Fine
File # IN 9903991 PJG
Allegation:
Resp failed to appear at prehearing conference on 5/4/2000. Allege Resp failed to submit applications for homeowners ins to insurer; failed to submit premiums to insurer; failed to respond to Dept; failed to appear as ordered by the Dept.
 
GE PROPERTY & CASUALTY INSURANCE COMPANY Naic# 34789
Against: Insurance Company Location: FORT WASHINGTON, PA
Action: Cease & Desist/Consent   
Signed: 7/6/2000 $1500 Fine
File # IN 2000406 MBF
Allegation:
Allege Resp failed to comply with requests for information in a timely manner and improperly denied a no-fault claim.
 
ROBERT VANZANDT Lic# IN0176719
Against: Insurance Agent Location: MINNEAPOLIS, MN
Action: Order for Hrg/Statement of Charges   
Signed: 7/13/2000
File # IN 9908612 MSL
Allegation:
Allege Resp improperly withheld, misappropriated, or converted client funds.
 
HARTFORD FIRE INSURANCE COMPANY Naic# 19682
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 7/18/2000
File # IN 2000949 CLN
Allegation: $500 Other Administrative fee
Allege Resp failed to acknowledge and act reasonably promptly upon notification of a homeowner's claim.
 
CORINNE SHOULTZ Lic# IN0046371
Against: Insurance Agent Location: WHITE BEAR LAKE, MN
Action: Suspension/Consent    Begin: 7/31/2000 End: 8/28/2000
Signed: 7/24/2000
File # IN 2000248 SMK
Allegation:
Allege Resp submitted life insurance applications to an insurer that contained incorrect information relating to the proposed insureds.
 
PUGETS SOUND AGRICULTURAL SOCIETY, LTD Lic# UC0242964
Against: Unlicensed Company Location: WINTERS, CA
Action: Cease & Desist/Hearing   
Signed: 7/24/2000
File # IN 2003908 MBF
Allegation:
Allege Resp engaged in dishonest practices and unlicensed insurance activities, including issuing policies and collecting premiums. Resp failed to comply with self-insured requirements and a Department subpoena.
 
MN AUTO ASSIGNED CLAIMS BUREAU Lic# UC0205849
Against: Unlicensed Company Location: OSSEO, MN
Action: Other/Hearing   
Signed: 7/27/2000
File # IN 2003425 PJG
Allegation:
Order for Hearing and Notice of Prehearing Conference. Hearing to determine the appropriateness of Resp's decision to deny Petitioner basic economic loss benefits.
 
THOMAS PETERSON Lic# IN35959
Against: Insurance Agent Location: OUTING, MN
Action: Order for Hrg/Statement of Charges   
Signed: 8/2/2000
File # IN 2002983 SMK
Allegation:
Resp failed to remit client premiums to insurers and diverted funds to his personal use; failed to respond to Dept correspondence; failed to notify Dept of change of address.
 
GEORGE PALMER Lic# IN0233484
Against: Insurance Agent Location: CARIBOU, ME
Action: Other/Consent   
Signed: 8/7/2000
File # IN 2005371 CLN
Allegation:
Resp application for license is granted, conditioned on restrictions outlined in consent order.
 
STAR INSURANCE COMPANY Naic# 18023
Against: Insurance Company Location: SOUTHFIELD, MI
Action: Other/Consent   
Signed: 8/9/2000 $1000 Fine
File # IN 2002188 SMK
Allegation:
Resp issued improper denial of a PIP claim; failed to respond to claimants correspondence relating to the claim.
 
TRI STATE LTD Lic# MG0017996
Against: Managing General Agents Location: BISMARCK, ND
Action: Other/Consent   
Signed: 8/11/2000 $15000 Fine
File # IN 9906150 UMB
Allegation: $5000 Other
Allege resp practiced unreasonable collector of service fees; failed to notify Dept. for terminating an insurance agent for cause; failed to supervise insurance agent.
 
ALAN LECHER Lic# IN6447
Against: Insurance Agent Location: APPLE VALLEY, MN
Action: Other/Consent   
Signed: 8/25/2000 $500 Fine
File # IN 2004938 CLN
Allegation:
Allege resp sold insurance policies during a period when his license to do so had lapsed.
 
PROGRESSIVE SPECIALTY INSURANCE COMPANY Naic# 32786
Against: Insurance Company Location: MAYFIELD VILLAGE, OH
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY Lic# 42919
Against: Location: MAYFIELD VILLAGE, OH
PROGRESSIVE NORTHERN INSURANCE COMPANY Lic# 38628
Against: Location: MAYFIELD VILLAGE, OH
Action: Other/Consent   
Signed: 9/5/2000 $2500 Fine
File # IN 2002837 PJG
Allegation:
Allege resp enrolled their insureds with a stacking coverage w/o specific authority from the insured.
 
FARM BUREAU LIFE INSURANCE COMPANY Naic# 63088
Against: Insurance Company Location: W DES MOINES, IA
Action: Other/Consent   
Signed: 9/7/2000 $1500 Fine
File # IN 2005180 MBF
Allegation:
Allege resp failed to mail a cancellation for nonpayment of premium notice or lapse notice to their insured at least 30 days before the lapse.
 
RICHARD KIELSA Lic# IN7858
Against: Insurance Agent Location: WOODBURY, MN
Action: Revocation/Consent    Begin: 9/7/2000 End: Indefinite
Signed: 9/7/2000
File # IN 9901111 CLN
Allegation:
Allege resp violated numerous statutes by converting funds, offering rebates, and soliciting/selling insurance using deceptive/dishonest sales practices.
 
ONEBEACON INSURANCE COMPANY Naic# 21970
Against: Insurance Company Location: BOSTON, MA
Action: Other/Consent   
Signed: 9/7/2000 $2000 Fine
File # IN 9905995 PJG
Allegation:
Allege resp improperly denied a claim in whole or in part without doing a proper investigation & failed to respond to Department's request for information.
 
JAMES JORDAN Lic# IN3229
Against: Insurance Agent Location: EDEN PRAIRIE, MN
Action: Other/Hearing   
Signed: 9/14/2000 $6000 Fine
File # IN 9801087 GAW
Allegation:
Commissioner adopted and incorporated all legal conclusions contained in Administrative Law Judges Report issued 3-27-00.
 
HENRY LANE Lic# IN0088885
Against: Insurance Agent Location: GAINESVILLE, FL
Action: Other/Consent   
Signed: 9/19/2000
File # IN 2004119 MBF
Allegation:
Allege resp engaged in acts that demonstrate he is unqualified to act as an agent and failed to notify us of other states' actions within 30 days.
 
LAWRENCE KELSO Lic# IN928
Against: Insurance Agent Location: MINNETONKA, MN
Action: Suspension/Consent    Begin: 10/1/2000 End: 10/31/2000
Signed: 9/20/2000
File # IN 2003960 LJ
Allegation:
Allege resp failed to forward bound insurance applications to the Insurer in a timely manner.
 
CHAD KARJALA Lic# IN0221926
Against: Insurance Agent Location: COHASSET, MN
Action: Order for Hrg/Statement of Charges   
Signed: 10/4/2000
File # IN 2005181 CLN
Allegation:
Allege resp failed to respond to Department request, failed to appear as ordered, and provided inaccurate information on license application.
 
NEAL FENTON Lic# IN2017
Against: Insurance Agent Location: PLYMOUTH, MN
Action: Revocation/Consent    Begin: 10/4/2000 End: Indefinite
Signed: 10/4/2000
File # IN 9906150 LJ
Allegation:
Allege resp charged customers a fee, in addition to receiving commissions without first having a disclosure form signed by the customer.
 
A AUTO INS AGCY INC Lic# IA866
Against: Insurance Agency Location: ST LOUIS PK, MN
Action: Revocation/Consent    Begin: 10/4/2000 End: Indefinite
Signed: 10/4/2000
File # IN 9906150 LJ
Allegation:
Allege resp/owner charged customers a fee, in addition to receiving commissions without first having a disclosure form signed by the customer.
 
VANLINER INS CO Naic# 21172
Against: Insurance Company Location: ST LOUIS, MO
Action: Other/Consent   
Signed: 10/19/2000 $1105 Fine
File # IN 2004325 MBF
Allegation:
Allege resp has failed to provide information within the time specified; resp improperly denied a claim without conducting a reasonable investigation.
 
PATRICK DOYLE Lic# IN35742
Against: Insurance Agent Location: MPLS, MN
Action: Order for Hrg/Statement of Charges   
Signed: 10/19/2000
File # IN 9906689 PEG
Allegation:
Allege resp failed to obtain insurance for client and provided inaccurate binders to client's mortgage company.
 
JAMES JORDAN Lic# IN3229
Against: Insurance Agent Location: EDEN PRAIRIE, MN
Action: Order Amended   
Signed: 10/20/2000
File # IN 9801087 GAW
Allegation:
Change to original order (signed September 14, 2000), which postponed the effective date of the three-month suspension until January 1, 2000.
 
BRIAN GILMORE Lic# IN43622
Against: Insurance Agent Location: WINONA, MN
Action: Suspension/Consent    Begin: 10/30/2000 End: 11/12/2000
Signed: 10/27/2000
File # IN 2007031 LJ
Allegation:
Allege resp failed to forward a automobile claim to the Insurer in a timely manner.
 
DANIEL HEINS Lic# IN800
Against: Insurance Agent Location: ANDOVER, MN
Action: Other/Consent   
Signed: 11/1/2000 $500 Fine
File # IN 2004950 PEG
Allegation:
Allege resp failed to remit insured's premium to the insurer.
 
HAROLD MATSON Lic# IN000745
Against: Insurance Agent Location: COON RAPIDS, MN
Action: Other/Consent   
Signed: 11/7/2000 $500 Fine
File # IN 2004950 PEG
Allegation:
Allege resp failed to remit insured premium to the insurer.
 
CONTINENTAL ASSURANCE COMPANY Naic# 62413
Against: Insurance Company Location: CHICAGO, IL
Action: Other/Consent   
Signed: 11/14/2000 $1500 Fine
File # IN 2002806 CLN
Allegation:
Allege resp issued policies containing impermissible policy provisions.
 
GRINNELL MUTUAL REINSURANCE COMPANY Naic# 14117
Against: Insurance Company Location: GRINNELL, IA
Action: Order for Hrg/Statement of Charges   
Signed: 11/20/2000
File # IN 9906099 CLN
Allegation:
Allege resp. failure to properly evaluate and pay auto glass repacement claims.
 
TRANSAMERICA ASSURANCE COMPANY Naic# 80829
Against: Insurance Company Location: LOS ANGELES, CA
Action: Other/Consent   
Signed: 11/21/2000 $3000 Fine
File # IN 2003459 PEG
Allegation:
Allege resp issued voluntary term life insurance brochure containing misleading phrases and failed to replace life insurance benefits as the succeeding carrier.
 
AMERICAN ECONOMY INSURANCE COMPANY Naic# 19690
Against: Insurance Company Location: INDIANAPOLIS, IN
Action: Other/Consent   
Signed: 11/21/2000 $1000 Fine
File # IN 2006868 PEG
Allegation:
Allege resp failed to accept or deny claim within 30 business days and failed to reply to communications about a claim from claimant.
 
NORSEMAN GROUP, INC, THE Lic# VI0275051
Against: Viatical Settlement Location: VERNON HILLS, IL
Action: Other/Consent   
Signed: 12/3/2000 $250 Fine
File # IN 2008374 PDH
Allegation:
Resp. failed to maintain license.
 
FAMILY SERVICE LIFE INSURANCE COMPANY Naic# 74004
Against: Insurance Company Location: NEW YORK, NY
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE) Naic# 64246
Against: Insurance Company Location: NEW YORK, NY
FIRST INTERNATIONAL LIFE INSURANCE COMPANY Naic# 60003
Against: Insurance Company Location: BETHLEHEM, PA
Action: Other/Consent   
Signed: 12/6/2000 $3500 Fine
File # IN 2008513 UMB
Allegation:
Allege resp. late notice for Administrative Action taken against the companies from other states.
 
PHILLIP FLYNN Lic# IN4586
Against: Insurance Agent Location: PLYMOUTH, MN
Action: Suspension/Consent    Begin: 1/1/2001 End: 7/1/2001
Signed: 12/8/2000
File # IN 2008943 LMD
Allegation:
Allege Resp sold securities without the knowledge or consent of employing broker-dealer, engaged in unlicensed broker-dealer activity and engaged in fraudulent, deceptive or dishonest practices.
 
HERITAGE INSURANCE MANAGERS INC Lic# TP0040470
Against: Third Party Admin Location: SAN ANTONIO, TX
Action: Other/Consent   
Signed: 12/20/2000 $3500 Fine
File # IN 2003439 PJG
Allegation:
Allege Resp failed to respond to Department requests for information and failed to pay claims in a timely manner.
 
CHARLES PEDERSON Lic# IN012616
Against: Insurance Agent Location: ST JAMES, MN
Action: Other   
Signed: 12/20/2000
File # IN 2005202 CLN
Allegation:
Allege Resp. pursuant to a prior Consent Order respondent is not to be considered for re-licensure until he has provided documentation to the Department showing full restitution relating to insurance debt has been made.
 
LYNN STOFFREGEN Lic# IN305
Against: Insurance Agent Location: ST PETER, MN
Action: Suspension/Hearing    Begin: 1/5/2001 End: 1/18/2001
Signed: 12/20/2000
File # IN 2008523 LJ
Allegation:
Allege Resp. mailed inaccurate insurance information to former clients and thus demonstrated a lack of trustworthiness.
 
CONNECTICUT GENERAL LIFE INSURANCE COMPANY Naic# 62308
Against: Insurance Company Location: PHILADELPHIA, PA
Action: Other/Consent   
Signed: 12/21/2000
File # IN 2004605 PEG
Allegation:
Allege Resp. failed to accept or deny claims within 30 business days and failed to implement reasonable standards for the prompt investigation of claims.
 
SCOTT LARSON Lic# IN0451
Against: Insurance Agent Location: LAKEVILLE, MN
Action: Revocation/Consent    Begin: 12/21/2000 End: Indefinite
Signed: 12/21/2000
File # IN 2007647 PJG
Allegation:
Allege Resp. improperly withholding; misappropriating or converting money belonging to a policyholder; Acted untrustworthy; financially irresponsible.
 
DELORES KESSLER Lic# IN4585
Against: Insurance Agent Location: NICOLLET, MN
Action: Suspension/Hearing    Begin: 12/22/2000 End: 1/4/2001
Signed: 12/21/2000
File # IN 2008523 LJ
Allegation:
Allege Resp. mailed inaccurate insurance information to former clients and thus demonstrated a lack of trustworthiness.
 
AUTO-OWNERS INSURANCE COMPANY Naic# 18988
Against: Insurance Company Location: LANSING, MI
Action: Other/Consent   
Signed: 12/29/2000 $5000 Fine
File # IN 2005295 MBF FONT> $10000 Investigator Costs
Allegation:
Allege Resp. failed to promptly and equitably settle glass claims; and failed to provide a reasonable explanation for the partial denial of glass claims.
 
HOMEFIRST AGCY INC Lic# IA0225803
Against: Insurance Agency Location: MARYVILLE, TN
Action: Other/Consent   
Signed: 12/29/2000 $5275 Fine
File # IN 2009511 UMB
Allegation:
Allege Resp. was doing business in Minnesota without a license.
 
CELTIC LIFE INSURANCE COMPANY Naic# 80799
Against: Insurance Company Location: CHICAGO, IL
Action: Censure/Consent   
Signed: 1/18/2001 $15000 Fine
File # IN 2005538 PJG
Allegation:
Allege Resp. misrepresented pertinent facts or insurance policy provisions relating to coverages at issue, not attempting in good faith to effectuate prompt, fair settlement of claims.
 
CHARLES JOHNSON Lic# IN93205
Against: Insurance Agent Location: BLOOMINGTON, MN
Action: Suspension/Consent    Begin: 1/26/2001 End:
Signed: 1/26/2001
File # IN 2100232 LMD
Allegation:
Allege Resp.acted untrustworthy or financially irresponsible by recommending to a client a liquidation of an annuity and invest the proceeds in an unregistered security .
 
MARY GOFF Lic# IN0216940
Against: Insurance Agent Location: TOWSON, MD
Action: Other/Consent   
Signed: 1/31/2001 $500 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. a supervising agent, failed to ensure employees were properly licensed to act as insurance agents.
 
SHAREN FAVRE Lic# IN0021848
Against: Insurance Agent Location: BALTIMORE, MD
Action: Other/Consent   
Signed: 1/31/2001 $500 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. while unlicensed, acted as an insurance agent by soliciting and / or procuring applications for insurance.
 
MIMS INTL LTD Lic# IA0030287
Against: Insurance Agency Location: TOWSON, MD
Action: Other/Consent   
Signed: 1/31/2001 $2000 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. allowed unlicensed individuals to act as insurance agents and accepted commissions for sales made by unlicensed employees.
 
RONALD GRUNDYSON Lic# IN013094
Against: Insurance Agent Location: BRAHAM, MN
Action: Suspension/Consent    Begin: 2/19/2001 End: 3/4/2001
Signed: 2/5/2001
File # IN 2100063 LJ
Allegation:
Allege Resp. failed to remit insurance premiums to the insurer in a timely manner.
 
AMER COLLECTORS INS INC Lic# IA194
Against: Insurance Agency Location: CHERRY HILL, NJ
Action: Other/Consent   
Signed: 2/6/2001 $12500 Fine
File # IN 9906820 UMB
Allegation:
Allege Resp. accepted insurance business from unlicensed and unappointed insurance agents.
 
STANTON SAWDEY Lic# IN010883
Against: Insurance Agent Location: BURNSVILLE, MN
Action: Other/Consent   
Signed: 2/8/2001 $5500 Fine
File # IN 2000526 MBF
Allegation:
Allege Resp. engaged in rebating.
 
CHESTER TURNER Lic# IN83129
Against: Insurance Agent Location: ALEXANDRIA, MN
Action: Revocation/Consent    Begin: 2/8/2001 End: Indefinite
Signed: 2/8/2001
File # IN 2004827 LMD
Allegation:
Allege Resp failed to respond to the Commissioner within the time specified; also showed himself to be untrustworthy financially irresponsible or otherwise incompetent or unqualified to act as an insurance agent.
 
AUTOMOTIVE UNDERWRITERS INSURANCE COMPANY, INC., A RISK RETENTION GROUP Lic# 11033
Against: Location: HONOLULU, HI
Action: Other/Consent   
Signed: 2/8/2001 $800 Fine
File # IN 2006517 MBF
Allegation:
Allege Resp. sold and issued vehicle service contracts before the termination of the Commissioner's 60 day review period.
 
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: Cease & Desist/Hearing   
Signed: 2/8/2001
File # IN 2007531 PEG
Allegation:
Allege Resp acted or assumed to act as an insurer and/or insurance agent, by selling insurance, writing policies and collecting premiums without being issued a certificate of authority and without being licensed.
 
GEICO INDEMNITY COMPANY Naic# 22055
Against: Insurance Company Location: WASHINGTON, DC
Action: Other/Consent   
Signed: 2/8/2001 $5000 Fine
File # IN 2007729 LJ
Allegation:
Allege Resp. denied an automobile (wage loss benefits) claim without conducting a reasonable investigation.
 
GOVERNMENT EMPLOYEES INS CO Naic# 22063
Against: Insurance Company Location: WASHINGTON, DC
Action: Other/Consent   
Signed: 2/9/2001
File # IN 2008921 UMB $500 Investigator Costs
Allegation:
Allege Resp. late notice for actions taken against the Company by other States.
 
PETER WILCOX Lic# IN0207335
Against: Insurance Agent Location: PHOENIX, AZ
Action: Other/Consent   
Signed: 2/16/2001 $250 Fine
File # IN 2007962 GLP
Allegation:
Allege Resp. application for an insurance agent license that was incomplete, or contained a statement that was false or misleading.
 
APACOR FINANCIAL INC Lic# UC0263286
Against: Unlicensed Company Location: RICHFIELD, MN
Action: Cease & Desist/Consent   
Signed: 2/16/2001 $5000 Fine
File # IN 2100349 PJG
Allegation:
Allege Resp. transacted insurance business without a certificate of authority, sold involuntary unemployment insurance without having a licensed agent and sold policies without having them approved by the Department.
 
ARDAN GROUP ( THE ) Lic# UC0263316
Against: Unlicensed Company Location: WOODBRIDGE, NJ
Action: Cease & Desist/Consent   
Signed: 2/16/2001 $500 Fine
File # IN 2100783 PDH
Allegation:
Allege Resp. viatical settlements broker, failed to renew for two years and eight months, now applied as viatical settlement provider, approved after penalty fee paid.
 
DANIEL JAMBOR Lic# IN0003796
Against: Insurance Agent Location: ST PAUL, MN
Action: Order for Hrg/Statement of Charges   
Signed: 2/28/2001
File # IN 9908058 CLC
Allegation:
Allege Resp. allegedly failed to record mortgage documents and issue final title insurance policies in connection with loan closings and acted as an insurance agency without a license.
 
SECURITY LIFE INSURANCE COMPANY OF AMERICA Naic# 68721
Against: Insurance Company Location: MINNETONKA, MN
Action: Other/Consent   
Signed: 3/12/2001 $1000 Fine
File # IN 2007507 PEG
Allegation:
Allege Resp. failed to make claim payments in a timely manner and improperly denied claims based on no coverage present when such coverage was in force.
 
BNC NATIONAL BANK MINNESOTA Lic# UC0273679
Against: Unlicensed Company Location: MPLS, MN
Action: Other/Consent   
Signed: 3/12/2001 $49000 Fine
File # IN 9905226 GAL
Allegation:
Allege Resp. submitted letter of credit to Dept, which was not in compliance.
 
OYSTEIN NILSEN Lic# IN2559
Against: Insurance Agent Location: ST LOUIS PARK, MN
Action: Order for Hrg/Statement of Charges   
Signed: 3/15/2001
File # IN 2004128 PEG
Allegation:
Allege Resp. failed to provide Dept. with updated address and failed to respond to the Departments letter and Order to Produce Documents.
 
JAMES GANTHER Lic# IN67296
Against: Insurance Agent Location: EAU CLAIRE, WI
Action: Other/Consent   
Signed: 3/15/2001 $250 Fine
File # IN 2006061 PEG
Allegation:
Allege Resp. circulated ad's that failed to identify agent, agency or insurer and failed to clearly state ins. coverage being offered.
 
GANTHER COMPANY LLC Lic# UC0261477
Against: Unlicensed Company Location: EAU CLAIRE, WI
Action: Cease & Desist/Consent   
Signed: 3/15/2001 $500 Fine
File # IN 2006061 PEG
Allegation:
Allege Resp. engaged in unlicensd activity.
 
JAMES GANTHER Lic# IN0070205
Against: Insurance Agent Location: EAU CLAIRE, WI
Action: Other/Consent   
Signed: 3/15/2001 $250 Fine
File # IN 2006061 PEG
Allegation:
Allege Resp circulated ad's that failed to identify agent, agency or insurer and failed to clearly state insurance coverage being offered.
 
MN AUTO ASSIGNED CLAIMS BUREAU Lic# UC0205849
Against: Unlicensed Company Location: OSSEO, MN
Action: Other/Hearing   
Signed: 3/22/2001
File # IN 9907747 PJG
Allegation:
Allege Resp. decision to deny economic loss benefits to petitioner is reversed.
 
TIME INSURANCE COMPANY Naic# 69477
Against: Insurance Company Location: MILWAUKEE, WI
UNION SECURITY INSURANCE COMPANY Naic# 70408
Against: Insurance Company Location: KANSAS CITY, MO
Action: Other/Consent   
Signed: 3/26/2001 $5000 Fine
File # IN 2001605 GAW
Allegation:
Allege Resp. misrepresented the term of an insurance policy to their customer and the Dept, and Inappropriately denied several health insurance claims.
 
MN AUTO ASSIGNED CLAIMS BUREAU Lic# UC0205849
Against: Unlicensed Company Location: OSSEO, MN
Action: Other/Hearing   
Signed: 3/26/2001
File # IN 2003425 PJG
Allegation:
Allege Resp. decision to deny economic loss benefits to petitioner is reversed.
 
FEDERATED MUTUAL INSURANCE COMPANY Naic# 13935
Against: Insurance Company Location: OWATONNA, MN
Action: Other/Consent   
Signed: 3/26/2001 $750 Fine
File # IN 2006220 SMK
Allegation:
Allege Resp. denied health claims base on ambiguous policy language regarding the review of claims for medical necessity
 
MICHAEL ALDRICH Lic# IN97811
Against: Insurance Agent Location: WADENA, MN
Action: Suspension/Consent    Begin: 3/25/2001 End: 4/8/2001
Signed: 3/26/2001
File # IN 2100337 SMK
Allegation:
Allege Resp. failed to remit premium funds to an insurer in a timely manner.
 
WILLIE MCAFEE Lic# IN0203474
Against: Insurance Agent Location: ANTELOPE, CA
Action: Revocation/Consent    Begin: 3/30/2001 End: Indefinite
Signed: 3/30/2001
File # IN 2005449 MBF
Allegation:
Allege Resp. resident agent license lapsed and respondent filed an application, which contained misleading statements.
 
LOUIS WENDLING Lic# IN29514
Against: Insurance Agent Location: EDEN PRAIRIE, MN
Action: Censure/Consent   
Signed: 4/3/2001 $2000 Fine
File # IN 2009182 LJ
Allegation:
Allege Resp. sold a Arizona resident a Minnesota annuity policy, misrepresenting where the application was signed and that the policy would be covered by the Minnesota Guaranty Association.
 
WILLIAM BURKE Lic# IN0102240
Against: Insurance Agent Location: HOUSTON, TX
AON RISK SERV OF TEXAS INC Lic# IA0017467
Against: Insurance Agency Location: HOUSTON, TX
Action: Other/Consent   
Signed: 4/12/2001
File # IN 2100303 UMB
Allegation:
Allege Resp. failure to notify the Dept. of the Administrative Action taken by other state.
 
OYSTEIN NILSEN Lic# IN2559
Against: Insurance Agent Location: ST LOUIS PARK, MN
Action: Suspension/Consent    Begin: 4/13/2001 End:
Signed: 4/13/2001 FONT SIZE=2>
File # IN 2004128 PEG
Allegation:
Allege Resp. failed to respond to the Dept. request for information and failed to provide the Dept. with change of address.
 
AMERICAN EMPLOYERS GROUP INC Lic# UC0269939
Against: Unlicensed Company Location: BURLINGAME, CA
Action: Cease & Desist/Consent   
Signed: 4/13/2001
File # IN 2007154 LJ
Allegation:
Allege Resp. acted as a managing general agent, in MN for Virginia surety company Inc. without first obtaining a license.
 
KEVIN CARLSON Lic# IN5193
Against: Insurance Agent Location: MINNETONKA, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 4/19/2001
File # IN 2005865 PEG
Allegation:
Allege Resp. failed to honor the term of three promissory notes entered into with a client; failed to respond to the Dept. Order to Produce Documents.
 
MN COMP HEALTH ASSN Lic# UC0245043
Against: Unlicensed Company Location: MPLS, MN
Action: Other/Hearing   
Signed: 4/19/2001
File # IN 2101396 GAL
Allegation:
Allege Resp. Health Partners appeal of MCHA.
 
LYNN HANSEN Lic# IN4744
Against: Insurance Agent Location: MAPLEWOOD, MN
Action: Other/Consent   
Signed: 4/25/2001
File # IN 2006718 MBF
Allegation:
Allege Resp. filed an application for an agent license that was incomplete in a material respect.
 
MICHAEL COOPET Lic# IN7814
Against: Insurance Agent Location: ARDEN HILLS, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 4/25/2001
File # IN 2008375 LJ
Allegation:
Allege Resp. sold an annuity policy to a MN resident without first obtaining an insurance agent license.
 
ERIC FREDERICKSON Lic# IN0221
Against: Insurance Agent Location: BLOOMING PRAIRIE, MN
Action: Other/Consent   
Signed: 4/25/2001
File # IN 2009757 PJG $2000 Investigator Costs
Allegation:
Allege Resp. improperly with-held money belonging to policy holder, failed to insure policy was in place.
 
FARMERS UNION AGCY INC Lic# IA214
Against: Insurance Agency Location: ST PAUL, MN
Action: Other/Consent   
Signed: 4/25/2001
File # IN 2009757 PJG $2000 Investigator Costs
Allegation:
Allege Resp. failed to issue a workers compensation policy once an application was received.
 
ST. PAUL GUARDIAN INSURANCE COMPANY Naic# 24775
Against: Insurance Company Location: ST PAUL, MN
Action: Other/Consent   
Signed: 4/25/2001 $3000 Fine
File # IN 2101084 LJ
Allegation:
Allege Resp. failed to pay automobile (PIP) claim within a timely manner.
 
FIDELITY AND GUARANTY INSURANCE COMPANY Naic# 35386
Against: Insurance Company Location: ST PAUL, MN
ST PAUL MERCURY INSURANCE COMPANY Naic# 24791
Against: Insurance Company Location: ST PAUL, MN
ECONOMY FIRE AND CASUALTY COMPANY Naic# 38067
Against: Insurance Company Location: WARWICK, RI
METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY Naic# 26298
Against: Insurance Company Location: WARWICK, RI
ST. PAUL GUARDIAN INSURANCE COMPANY Naic# 24775
Against: Insurance Company Location: ST PAUL, MN
UNITED STATES FIDELITY & GUAR Naic# 25887
Against: Insurance Company Location: ST PAUL, MN
METROPOLITAN CASUALTY INSURANCE COMPANY Naic# 40169
Against: Insurance Company Location: WARWICK, RI
METROPOLITAN GENERAL INSURANCE COMPANY Naic# 39950
Against: Insurance Company Location: WARWICK, RI
Action: Other/Consent   
Signed: 4/27/2001
File # IN 9905855 PJG $10000 Investigator Costs
Allegation:
Allege Resp. failed to pay all reasonable costs associated with automobile glass claims.
 
GRINNELL MUTUAL REINSURANCE COMPANY Naic# 14117
Against: Insurance Company Location: GRINNELL, IA
Action: Other/Consent   
Signed: 5/1/2001
File # IN 9906099 CLN
Allegation:
Allege Resp. failed to pay all reasonable costs sufficient to pay for the repair or replacement of automobile window glass.
 
CHAD KARJALA Lic# IN0221926
Against: Insurance Agent Location: COHASSET, MN
Action: Revocation/Hearing    Begin: End: Indefinite
Signed: 5/2/2001 $4000 Fine
File # IN 2005181 CLN
Allegation:
Allege Resp. failed to disclose a felony conviction on his application for licensure, and failed to respond to the Commissioner.
 
ROBERT VANZANDT Lic# IN0176719
Against: Insurance Agent Location: MINNEAPOLIS, MN
Action: Revocation/Hearing    Begin: End: Indefinite
Signed: 5/2/2001
File # IN 9908612 MSL
Allegation:
Resp. improperly withheld premium payments made to him by his customers, failed to respond to the Commissioner.
 
NORTH AMERICAN COMPANY FOR LIFE AND HEALTH INSURANCE Naic# 66974
Against: Insurance Company Location: CHICAGO, IL
Action: Other/Consent   
Signed: 5/8/2001 $10000 Fine
File # IN 2007013 CLN
Allegation:
Allege Resp. misrepresented the terms of an annuity contract, and improperly withheld money belonging to an annuitant.
 
EDMUND MENDEN Lic# IN50232
Against: Insurance Agent Location: SHAKOPEE, MN
Action: Suspension/Consent    Begin: 5/8/2001 End: 5/8/2002
Signed: 5/8/2001
File # IN 2009516 SGC
Allegation:
Allege Resp. sale of unregistered securities to Minnesota residents away from supervising broker/dealer without disclosure of material facts.
 
GREG BERG Lic# IN0021
Against: Insurance Agent Location: MINNEAPOLIS, MN
INTL HOLDING INC Lic# UC0121892
Against: Unlicensed Company Location: ST LOUIS PARK, MN
Action: Order for Hrg/Statement of Charges   
Signed: 5/10/2001
File # IN 2005412 SGC
Allegation:
Allege Resp. continued to effect transactions in unregisterd securities after the 11/19/1999 C&D by establishing self - directed IRA accounts for insurance customers in International Holding.
 
KENNETH KESSLER Lic# IN0362
Against: Insurance Agent Location: CALABASAS, CA
Action: Other/Consent   
Signed: 5/10/2001
File # IN 2008701 UMB
Allegation:
Allege Resp. failed to notify the Dept. of Commerce the actions taken by other state.
 
HARTFORD UNDERWRITERS INSURANCE COMPANY Naic# 30104
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 5/14/2001 $2000 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. has paid commissions to a person and corporation acting as an insurance agent without a license therefor.
 
HARTFORD CASUALTY INSURANCE COMPANY Naic# 29424
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 5/14/2001 $2000 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. has paid commissions to a person and corporation acting as an insurance agent without a license therefor.
 
HARTFORD FIRE INSURANCE COMPANY Naic# 19682
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 5/14/2001 $2000 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. has paid commissions to a person and corporation acting as an insurance agent without a license therefor.
 
TWIN CITY FIRE INSURANCE COMPANY Naic# 29459
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 5/14/2001 $2000 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. has paid commissions to a person and corporation acting as an insurance agent without a license therefor.
 
EMPLOYERS REINSURANCE CORP Naic# 39845
Against: Insurance Company Location: OVERLAND PARK, KS
Action: Other/Consent   
Signed: 5/21/2001 $2000 Fine
File # IN 9908956 MBF
Allegation:
Allege Resp. has paid commissions to a person and corporation acting as an insurance agent without a license therefor.
 
ECON O CHECK CORP Lic# IA394
Against: Insurance Agency Location: STOCKBRIDGE, GA
Action: Cease & Desist/Consent   
Signed: 5/30/2001 $15000 Fine
File # IN 2103558 UMB
Allegation:
Allege Resp. marketing activities with no appointment from ABIC.
 
DANIEL JAMBOR Lic# IN0003796
Against: Insurance Agent Location: ST PAUL, MN
INTEGRITY ABSTRACT & TITLE INC Lic# UC0279866
Against: Unlicensed Company Location: ST PAUL, MN
Action: Revocation/Consent Begin:    End: Indefinite
Signed: 6/7/2001
File # IN 9908058 CLC
Allegation:
Allege Resp. failed to record mortgage documents and failed to issue title insurance policies in connection with residential real estate closings.
 
RODNEY LYLE Lic# IN0066307
Against: Insurance Agent Location: MPLS, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 6/11/2001
File # IN 2008936 PEG
Allegation:
Allege Resp. failed to remit insured's cash premium payment to insurer and converted money to own use; failed to respond to Dept's request for information.
 
FEDERATED MUTUAL INSURANCE COMPANY Naic# 13935
Against: Insurance Company Location: OWATONNA, MN
Action: Other/Consent   
Signed: 6/11/2001 $3000 Fine
File # IN 2103126 PEG
Allegation:
Allege Resp. failed to notify persons covered under group health insurance plan of cancellation within at least thirty days prior to effective date.
 
MARY SMITH Lic# IN7232
Against: Insurance Agent Location: HOYT LAKES, MN
Action: Suspension/Consent    Begin: 6/16/2001 End: 7/15/2001
Signed: 6/12/2001
File # IN 2005777 LJ
Allegation:
Allege Resp. sold an annuity policy to an individual that was not suitable.
 
SCOTT TURNER Lic# IN1984
Against: Insurance Agent Location: DULUTH, MN
Action: Suspension/Consent    Begin: 6/16/2001 End: 7/15/2001
Signed: 6/12/2001
File # IN 2005777 LJ
Allegation:
Allege Resp. sold an annuity policy to an individual that was not suitable.
 
CHRISTIAN BROTHERHOOD NEWSLETTER Lic# UC0282395
Against: Unlicensed Company Location: BARBERTON, OH
Action: Cease & Desist/Hearing   
Signed: 6/13/2001
File # IN 2008487 SMK
Allegation:
Allege Resp. acting as insurer without a license, selling health insurance.
 
TIG PREMIER INSURANCE COMPANY Naic# 25518
Against: Insurance Company Location: IRVING, TX
Action: Other/Consent   
Signed: 6/13/2001 $3000 Fine
File # IN 2102127 LJ
Allegation:
Allege Resp. failed to issue payment of the amount finally agrees upon in settlement within a timely manner.
 
ILLINOIS FARMERS INSURANCE COMPANY Naic# 21679
Against: Insurance Company Location: AURORA, IL
Action: Order for Hrg/Statement of Charges   
Signed: 6/25/2001
File # IN 9904671 LJ
Allegation:
Allege Resp. failure to investigate claim, demanding unnecessary information, failure to identify glass vendor when responding the calls to insurer.
 
ELAINE MAHAFFEY Lic# IN8644
Against: Insurance Agent Location: MASON CITY, IA
Action: Suspension/Consent    Begin: 6/15/2001 End: 6/15/2002
Signed: 7/2/2001
File # IN 2003114 PEG
Allegation:
Allege Resp. engaged in incompetent, untrustworthy, and dishonest or deceptive practices, failed to notify Dept. of address change; and failed to respond to Dept's request within requested time frame.
 
KELCO, INC. Lic# VI0274943
Against: Viatical Settlement Location: LEXINGTON, KY
KELCO, INC. Lic# VI0274948
Against: Viatical Settlement Location: LEXINGTON, KY
Action: Other/Hearing   
Signed: 7/3/2001
File # IN 2003668 PDH
Allegation:
Allege Resp. hearing for revocation of license due to pattern of unreasonable payments incompetency and untrustworthiness by use of unlicensed broker and for warehousing and viaticating a fraudulently obtained life insurance policy.
 
MICHAEL AWES Lic# IN46046
Against: Insurance Agent Location: SUN CITY, AZ
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 7/11/2001
File # IN 2104033 LMD
Allegation:
Allege Resp. engaged in acts or practices demonstrating he was untrustworthy, financially irresponsible or otherwise incompetent to act as an insurance agent.
 
TRAVELERS INDEMNITY COMPANY OF AMERICA (THE) Naic# 25666
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 7/17/2001
File # IN 2102497 SMK
Allegation:
Allege Resp. released personal information of an insured to a third party.
 
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: Other   
Signed: 7/19/2001
File # IN 2105785 CLN
Allegation:
Allege Resps. have failed to pay insured's chosen vendor for the repair or replacement of damaged window glass.
 
JONATHAN EARLEY Lic# IN3979
Against: Insurance Agent Location: BROOKLYN PARK, MN
Action: Order for Hrg/Statement of Charges   
Signed: 7/20/2001
File # IN 2102084 CLN
Allegation:
Allege Resp. engaged in fraudulent practices, and failed to appear as ordered.
 
CONTINENTAL GENERAL INSURANCE COMPANY Naic# 71404
Against: Insurance Company Location: MISSION, KS
Action: Other/Consent   
Signed: 7/24/2001 $1000 Fine
File # IN 2103740 SMK
Allegation:
Allege Resp. failed to provide notice of adverse underwriting decision.
 
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. Naic# 19445
Against: Insurance Company Location: NEW YORK, NY
Action: Cease & Desist/Consent   
Signed: 7/31/2001 $7500 Fine
File # IN 2101964 SMK
Allegation:
Allege Resp. sold, issued and administered veterinary insurance in MN without the proper licensure and without submitting the policy forms to the Dept. for approval.
 
THOMAS DURDALL Lic# IN32174
Against: Insurance Agent Location: ROSEVILLE, MN
Action: Other/Consent   
Signed: 7/31/2001 $300 Fine
File # IN 2102400 BD
Allegation: $122 Other
Allege Resp. misplaced policyholder file and premium, which resulted in no coverage for 8 months and when coverage was obtained, it was with a different insurer at a higher amount.
 
CONNECTICUT GENERAL LIFE INSURANCE COMPANY Naic# 62308
Against: Insurance Company Location: PHILADELPHIA, PA
Action: Other/Consent   
Signed: 8/1/2001 $3000 Fine
File # IN 2101353 SMK
Allegation:
Allege Resp. failed to accept or deny claim a within 30 business days and failed to implement reasonable standards for the prompt investigation of the claim.
 
GULF INSURANCE COMPANY Naic# 22217
Against: Insurance Company Location: NEW YORK, NY
Action: Cease & Desist/Consent   
Signed: 8/9/2001 $2500 Fine
File # IN 2105369 BD
Allegation:
Allege Resp. sold wedding cancellation policies prior to State approval, then continued to sell them despite assurances to the contrary.
 
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 for Hrg/Statement of Charges   
Signed: 8/13/2001
File # IN 9908353 PDH
Allegation:
Allege Resp. rates approval withdrawn as rates were excessive.
 
MEDICA INSURANCE COMPANY Naic# 12459
Against: Insurance Company Location: MINNEAPOLIS, MN
Action: Cease & Desist/Consent   
Signed: 8/28/2001
File # IN 2105056 MBF
Allegation:
Resp. used rates before the expiration of 60 days and before the Commissioner's approval.
 
ILLINOIS FARMERS INSURANCE COMPANY Naic# 21679
Against: Insurance Company Location: AURORA, IL
Action: Censure/Consent   
Signed: 8/31/2001 $1500 Fine
File # IN 2105015 BD
Allegation:
Allege Resp. after questions regarding a cancellation arose, Farmers stated it would reinstate an auto policy, the refused to do so; despite repeated requests for documents Farmers ignored the Department.
 
ROBERTSON TAYLOR NO AMER INC Naic# 20240599
Against: Insurance Company Location: NEW YORK, NY
Action: Other/Consent   
Signed: 8/31/2001 $1500 Fine
File # IN 2105369 BD
Allegation:
Allege Resp. agency sold policies prior to filing or approval and continued to do so after insurer stated sales had ceased.
 
KENNETH KERKAERT Lic# NO0226377
Against: Notary Location: READING, MN
KENNETH KERKAERT Lic# IN0231064
Against: Insurance Agent Location: READING, MN
Action: Revocation/Consent Begin:    End: Indefinite
Signed: 9/4/2001
File # IN 2104200 CLN
Allegation:
Allege Resp. improperly withheld, and converted monies to his own use.
 
KELVIN KAEMINGK Lic# IN0153924
Against: Insurance Agent Location: EAGAN, MN
Action: Other/Consent   
Signed: 9/4/2001
File # IN 2105765 KB
Allegation:
Allege Resp. convicted of a crime in 2001 for conduct that occurred in 1993, if he complies within the terms of his parole and sentencing agreement, no further action will be taken by the Department.
 
EUGENE EVASKU Lic# IN8540
Against: Insurance Agent Location: WORTHINGTON, MN
Action: Suspension/Consent    Begin: 9/10/2001 End: 9/23/2001
Signed: 9/5/2001
File # IN 2103895 LJ
Allegation:
Allege Resp. sold a long-term policy to an individual without first reviewing the suitability of the sale.
 
ALLSTATE INDEMNITY COMPANY Naic# 19240
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 9/11/2001 $500 Fine
File # IN 2100486 LJ $1500 Investigator Costs
Allegation:
Allege Resp. failed to respond to the Department request within a timely manner.
 
ROBIN CHIODO Lic# IN5368
Against: Insurance Agent Location: COTTAGE GROVE, MN
Action: Other/Consent   
Signed: 9/11/2001 $100 Fine
File # IN 2101505 PEG
Allegation:
Allege Resp. obtained and released personal information on client or former client without clients permission.
 
THOMAS DUFFY Lic# IN0164896
Against: Insurance Agent Location: FARMINGTON, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 9/11/2001
File # IN 2103401 PEG
Allegation:
Allege Resp. converted insured's premium to his own personal use.
 
AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA Naic# 60275
Against: Insurance Company Location: MIAMI, FL
Action: Other/Consent   
Signed: 9/11/2001 $2000 Fine
File # IN 2104047 KB
Allegation:
Allege Resp. denied coverage due to the misrepresentation of pertinent policy provisions.
 
BCBSM INC Naic# 55026
Against: Insurance Company Location: ST PAUL, MN
Action: Other/Consent   
Signed: 9/18/2001 $20000 Fine
File # IN 2009860 SMK
Allegation:
Allege Resp. reduced benefits of guaranteed renewable medicare supplement policies without first obtaining signed acceptance of insureds.
 
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: Other/Consent   
Signed: 9/18/2001 $75000 Fine
File # IN 2105785 CLN
Allegation:
Allege Resp. failed to provide payment to their insureds chosen automobile glass vendors.
 
GEICO CASUALTY COMPANY Naic# 41491
Against: Insurance Company Location: WASHINGTON, DC
GEICO GENERAL INSURANCE COMPANY Naic# 35882
Against: Insurance Company Location: WASHINGTON, DC
GEICO INDEMNITY COMPANY Naic# 22055
Against: Insurance Company Location: WASHINGTON, DC
GOVERNMENT EMPLOYEES INS CO Naic# 22063
Against: Insurance Company Location: WASHINGTON, DC
Action: Other/Consent   
Signed: 9/24/2001
File # IN 9906784 MBF $6000 Investigator Costs
Allegation:
Allege Resp. failed to provide a reasonable explanation for the partial denial of automobile glass claims.
 
KRISTI BODUNOV Lic# IN0285256
Against: Insurance Agent Location: STANCHFIELD, MN
Action: Other/Consent   
Signed: 9/27/2001 $250 Fine
File # IN 2107082 KB
Allegation:
Allege Resp. failed to appear as ordered.
 
MARK NOSAN Lic# IN5708
Against: Insurance Agent Location: WOODBURY, MN
Action: Suspension/Consent    Begin: 9/28/2001 End: 9/28/2002
Signed: 9/28/2001
File # IN 2007677 LMD
Allegation:
Allege Resp. engaged in unlicensed broker-dealer activity and by omitting material facts in the offer or sale of securities, has shown him self to be untrustworthy.
 
BOSTON OLD COLONY INSURANCE COMPANY Naic# 20761
Against: Insurance Company Location: CHICAGO, IL
CONTINENTAL INSURANCE COMPANY (THE) Naic# 35289
Against: Insurance Company Location: CHICAGO, IL
FIDELITY AND CASUALTY COMPANY OF NEW YORK (THE) Naic# 35270
Against: Insurance Company Location: CHICAGO, IL
Action: Other/Consent   
Signed: 10/2/2001
File # IN 2000947 PEG $2000 Investigator Costs
Allegation:
Allege Resp. failed to pay all reasonable costs associated with automobile glass claims.
 
LYNN TAIT Lic# IN0143921
Against: Insurance Agent Location: ALEXANDRIA, MN
Action: Revocation/Consent    Begin: 10/15/2001 End: Indefinite
Signed: 10/15/2001
File # IN 2107284 SGC
Allegation:
Resp. barred from exchange membership by New York Stock Exchange and employment by member organization action based on allegation of misappropriation customer funds.
 
ROBERT COPELAND Lic# IN035
Against: Insurance Agent Location: EDEN PRAIRIE, MN
Action: Suspension/Consent    Begin: 10/1/2001 End: 9/30/2003
Signed: 10/16/2001
File # IN 9903156 GAW
Allegation:
Resp. offered for sale unregistered securities, forged documents, and demonstrated financial irresponsibility.
 
CHRISTIAN BROTHERHOOD NEWSLETTER Lic# UC0282395
Against: Unlicensed Company Location: BARBERTON, OH
Action: Other/Hearing   
Signed: 10/18/2001
File # IN 2008487 SMK
Allegation: /TD>
Resp Notice of and Order for Hearing, Notice of Prehearing Conference and Statement of Charge resulting from 06/13/2001 C&D Order.
 
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
VANBREEMEN INS AGCY INC Lic# IA0116584
Against: Insurance Agency Location: NACOGDOCHES, TX
Action: Order for Hrg/Statement of Charges   
Signed: 10/19/2001
File # IN 2008213 SMK
Allegation:
Resp. failed to respond to Dept. orders, converted premium funds to own use.
 
METROPOLITAN LIFE INSURANCE COMPANY Naic# 65978
Against: Insurance Company Location: NEW YORK, NY
Action: Other/Consent   
Signed: 10/22/2001 $750 Fine
File # IN 2105068 BD
Allegation:
Resp on two occasions failed to timely respond to the Dept. request.
 
TIMOTHY HOLLEY Lic# IN0250098
Against: Insurance Agent Location: ROCKFORD, IL
Action: Other/Consent   
Signed: 11/1/2001 $100 Fine
File # IN 2106993 SMK
Allegation:
Resp. failed to notify the Dept. of a change to the information contained on his application within the time required and engaged in a dishonest act.
 
JEFFREY RODD Lic# IN7767
Against: Insurance Agent Location: REDWOOD FALLS, MN
Action: Censure/Consent   
Signed: 11/2/2001
File # IN 2103926 SGC
Allegation:
Resp. censured on insurance licensee for unlicensed sale of unregistered securities (telephone purchase and service contracts).
 
AUTO-OWNERS INSURANCE COMPANY Naic# 18988
Against: Insurance Company Location: LANSING, MI
Action: Cease & Desist/Consent   
Signed: 11/2/2001 $500 Fine
File # IN 2106156 MBF
Allegation:
Resp. denied a no-fault claim without having made a reasonabel investigation of the claim.
 
GORDON GULLY Lic# IN0299
Against: Insurance Agent Location: PAYNESVILLE, MN
Action: Censure/Consent   
Signed: 11/6/2001
File # IN 2106448 SGC
Allegation:
Resp. made unlicensed sales of unregistered securities and is subject to discipline as an insurance agent.
 
CIRCUIT CITY STORES INC Lic# IA0012874
Against: Insurance Agency Location: RICHMOND, VA
FIRST NORTH AMERICAN NATIONAL BANK Lic# UC0304495
Against: Unlicensed Company Location: RICHMOND, VA
Action: Cease & Desist/Consent   
Signed: 11/15/2001 $335000 Fine
File # IN 2105564 JRJ
Allegation:
Resp obtaining signatures by false pretenses, use of unapproved forms; unlicensed agents.
 
ZALES CORPORATION Lic# UC0304494
Against: Unlicensed Company Location: IRVING, TX
Action: Order for Hrg/Statement of Charges   
Signed: 11/15/2001
File # IN 2105797 JRJ
Allegation:
Resp. misrepresentation, deceptive practice, use of unapproved forms unlicensed agents; unathorized claim handling.
 
THOMAS PETERSON Lic# IN35959
Against: Insurance Agent Location: OUTING, MN
Action: Revocation/Hearing    Begin: End: Indefinite
Signed: 11/16/2001 $20000 Fine
File # IN 2002983 SMK
Allegation:
Resp. withheld, misappropriated and converted premium funds to his own use; failed to respond to Dept. failed to remit premiums to insurers. Final on 12-16-2001 ( 30 days after signing)
 
ALLSTATE INSURANCE COMPANY Naic# 19232
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 11/19/2001 $5000 Fine
File # IN 2000086 CLN $5000 Investigator Costs
Allegation:
Resp. failed to pay all reasonable costs associated with automobile glass claims.
 
LONG TERM CARE INS AGCY LTD Lic# IA0219054
Against: Insurance Agency Location: ROCHESTER, MN
Action: Cease & Desist/Consent   
Signed: 11/19/2001 $10000 Fine
File # IN 2103373 KJH
Allegation:
Resp. misrepresented the identity of the sender of invitations to long term care informational seminars.
 
HARTFORD ACCIDENT AND INDEMNITY COMPANY Naic# 22357
Against: Insurance Company Location: HARTFORD, CT
Action: Cease & Desist/Consent   
Signed: 11/19/2001 $6000 Fine
File # IN 2103784 MBF
Allegation:
Resp. failed to provide documents and other information requested by our Dept.
 
COST CARE, INC. Lic# UR0301068
d/b/a UNICARE/COST CARE
Against: Utilization Review Org. Location: POMONA, CA
Action: Other/Consent   
Signed: 11/19/2001 $1500 Fine
File # IN 2108162 PDH
Allegation:
Resp. failed to renew license which expired 1/1/1997 and continued to do business after expiration.
 
DANIEL SIMON Lic# IN82612
Against: Insurance Agent Location: MPLS, MN
Action: Suspension/Consent    Begin: 11/12/2001 End: 11/25/2001
Signed: 11/20/2001
File # IN 2104934 LJ
Allegation:
Resp. sold a life insurance policy to an individual that was unsuitable.
 
RANDALL QUIRING Lic# IN0193710
Against: Insurance Agent Location: FAIRMONT, MN
Action: Other/Consent   
Signed: 11/20/2001 $1000 Fine
File # IN 2107991 SMK
Allegation:
Resp. refused to report an automobile liability claim to an insurer.
 
MINNESOTA INSURANCE COMPANY Naic# 25232
Against: Insurance Company Location: WILMINGTON, DE
Action: Cease & Desist/Consent   
Signed: 11/30/2001 $5000 Fine
File # IN 2103628 KB
Allegation:
Resp. failed to provide the required surcharge disclosure form to the applicant prior to accepting the initial premium payment.
 
FRANK FUNARO Lic# IN02756
Against: Insurance Agent Location: MANKATO, MN
Action: Censure/Consent   
Signed: 11/30/2001
File # IN 2108614 SGC
Allegation:
Resp. sold unregistered securities (telephone contract investments) to MN residents in 1999 and 2000 without securities licensure.
 
GENWORTH LIFE INSURANCE COMPANY Naic# 70025
Against: Insurance Company Location: RICHMOND, VA
Action: Other/Consent   
Signed: 12/5/2001 $2000 Fine
File # IN 2105464 SMK
Allegation:
Resp. failed to provide proper notice of an adverse underwriting decision.
 
LAWRENCE MARBLE Lic# IN99102
Against: Insurance Agent Location: RICHFIELD, MN
Action: Other/Consent   
Signed: 12/5/2001 $1000 Fine
File # IN 2107630 MBF
Allegation:
Resp. has failed to effectuate the prompt, fair, and equitable settlement of a claim in which liability has become reasonably clear.
 
GRINNELL MUTUAL REINSURANCE COMPANY Naic# 14117
Against: Insurance Company Location: GRINNELL, IA
Action: Other/Consent   
Signed: 12/11/2001 $1000 Fine
File # IN 2107746 BD
Allegation:
Resp. insurer increased rates in violation of statute and refused to correct after initial Dept. request.
 
JEFFREY BUCK Lic# IN8656
Against: Insurance Agent Location: APPLE VALLEY, MN
Action: Suspension/Consent    Begin: 12/12/2001 End:
Signed: 12/12/2001
File # IN 2109673 SGC
Allegation:
Resp. affiliated with NASD broker prior to payment of NASDR fine variable annuity designation is suspended pending payment.
 
TERRY COLVIN Lic# IN30070
Against: Insurance Agent Location: CRYSTAL, MN
Action: Summary Suspension, Notice of   
Signed: 12/20/2001
File # IN 2101835 SMK
Allegation:
Resp. forged a document converted funds to own use, failed to maintain records, bribed a Dept. witness; failed to remit premium payments, allowed unlicensed person to act as an agent.
 
MEDICO LIFE INSURANCE COMPANY Naic# 71471
Against: Insurance Company Location: OMAHA, NE
Action: Censure/Consent   
Signed: 12/31/2001
File # IN 9806485 SMK
Allegation:
Resp. marketed a life insurance product as an exempt asset for consideration of medical assistance without providing notice of the requirements to be met for the product to be considered an exempt asset.
 
UNITED WISCONSIN INSURANCE COMPANY Naic# 29157
Against: Insurance Company Location: MILWAUKEE, WI
Action: Other/Consent   
Signed: 1/2/2002 $3000 Fine
File # IN 2006875 MBF
Allegation:
Resp. failed to notify each member covered under a group health insurance plan about cancellation of the plan.
 
RICHARD HERRBOLDT Lic# IN07486
Against: Insurance Agent Location: EXCELSIOR, MN
Action: Other/Consent   
Signed: 1/2/2002 $1500 Fine
File # IN 2006875 MBF
Allegation:
Resp. engaged in a deceptive act by misrepresenting to an insured facts about the reinstatement of the insured's group health plan.
 
JAMES BROWN Lic# IN50991
Against: Insurance Agent Location: WALKER, MN
Action: Revocation/Consent    Begin: 1/2/2002 End: Indefinite
Signed: 1/2/2002
File # IN 2108828 MBF
Allegation:
Resp. engaged in a act or practice that demonstrates that he in unqualified to be an insurance agent.
 
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 Location: WOODBURY, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 1/25/2002
File # IN 2109327 LJ
Allegation:
Resp. failed to remit trust finds 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.
 
INTERSTATE BONDING INC Lic# IA0131913
Against: Insurance Agency Location: ST PAUL, 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 Location: 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
Against: Notary Location: WOODBURY, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 2/8/2002
File # IN 2109327 LJ
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 investigation 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 Faribault.
 
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. correspondence, 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 language 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 reasonable 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:
Multi-date 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 another 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 another 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 claim 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 numerous 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.
 
ILLINOIS FARMERS INSURANCE COMPANY Naic# 21679
Against: Insurance Company Location: AURORA, IL
Action: Other/Hearing   
Signed: 1/2/2003 $10000 Fine
File # IN 9904671 LJ $10000 Investigator Costs
Allegation:
A Harmon Glass employee answered the phone and represented herself as Illinois Farmers Glass and not Harmon Glass respondents acting deceived the insured and clearly limited her ability to choose her own auto glass vendor.
 
LEONARD DEMERS Lic# IN0068542
Against: Insurance Agent Location: WOODBURY, MN
Action: Other/Consent   
Signed: 1/6/2003 $1000 Fine
File # IN 2203999 PEG
Allegation:
Resp. falsified an invoice for the collection of fees in connection with the creation of a client's trust.
 
KANSAS CITY FIRE AND MARINE INSURANCE COMPANY Naic# 20885
Against: Insurance Company Location: CHICAGO, IL
ENCOMPASS INSURANCE COMPANY OF AMERICA Naic# 10071
Against: Insurance Company Location: CHICAGO, IL
GLENS FALLS INSURANCE COMPANY (THE) Naic# 34622
Against: Insurance Company Location: CHICAGO, IL
Action: Other/Consent   
Signed: 1/6/2003
File # IN 2205947 GAL $27033.94 Investigator Costs
Allegation:
Allegations that 3 proposed rates increase filed by Respondent are excessive.
 
UNITED AMERICAN INSURANCE COMPANY Naic# 92916
Against: Insurance Company Location: MCKINNEY, TX
Action: Other/Consent   
Signed: 1/23/2003
File # IN 2007505 PEG
Allegation:
Agreement represents a settlement of issues that arose during a market conduct examination and subsequent order to show cause and amended order to show cause. $3703 restitution and $100,000 exam fees and expenses.
 
CHAD LANGE Lic# IN0057202
Against: Insurance Agent Location: BEMIDJI, MN
Action: Other/Consent   
Signed: 1/29/2003 $7500 Fine
File # IN 2200218 PEG
Allegation:
Improper sale of medicare supplement insurance.
 
JOHN JOHNSON Lic# IN0355365
Against: Insurance Agent Location: COTTAGE GROVE, MN
Action: Other/Consent   
Signed: 1/31/2003
File # IN 2209486 GLP
Allegation:
Resp. demonstrated financial irresponsibility by failing to pay court ordered child support; subsequently convicted of a felony; license issued under MN stat. 60K.43.
 
GREGG ANDERSON Lic# IN007534
Against: Insurance Agent Location: ST LOUIS PARK, MN
Action: Other/Consent   
Signed: 2/12/2003 $500 Fine
File # IN 2206531 PEG
Allegation:
Resp. failed to report a civil judgement to our department and failed to respond in a timely matter.
 
DANIEL KAMPHENKEL Lic# IN0282995
Against: Insurance Agent Location: LITTLE FALLS, MN
Action: Other/Consent   
Signed: 2/12/2003 $2500 Fine
File # IN 2210636 BD
Allegation:
Agent forged customer's signature on a replacement notice.
 
JOSEPH BERG Lic# IN72661
Against: Insurance Agent Location: FERTILE, MN
JOSEPH BERG Lic# UP0369900
Against: Unlicensed Person Location: FERTILE, MN
Action: Censure/Consent   
Signed: 2/17/2003 $500 Fine
File # IN 2209573 DPK
Allegation:
Resp. engaged in unlicensed securities agent activity by offering and selling unregistered securities in the form of promissory notes and viatical settlement contracts.
 
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: 2/24/2003 $200000 Fine
File # IN 9908353 PDH
Allegation:
Consent Order settle as charges arising from the 02-05-02 SOC, the 09-06-02 Amended SOC and the market conduct exam order issued on 02-24-02. Reimburse $1,800,000.
 
MARY SIGAN Lic# UP0373289
Against: Unlicensed Person Location: BRAINERD, MN
NORTHERN SETTLEMENT FUNDING CORPORATION Lic# UC0373288
Against: Unlicensed Company Location: BRAINERD, MN
Action: Cease & Desist/Consent   
Signed: 2/28/2003
File # IN 2204558 MBF
Allegation:
Respondent has engaged in the business of making loans of money, credit, goods or things in action and subject to the MN regulated loan act.
 
DIANE LEE Lic# IN0044665
Against: Insurance Agent Location: THIEF RIVER FALLS, MN
Action: Other/Consent   
Signed: 2/28/2003 $500 Fine
File # IN 2208904 SMK
Allegation:
Respondent failed to report a general liability claim to an insurer.
 
AUSTIN MUTUAL INSURANCE COMPANY Naic# 13412
Against: Insurance Company Location: MINNEAPOLIS, MN
Action: Cease & Desist/Consent   
Signed: 2/28/2003 $500 Fine
File # IN 2300283 KB
Allegation:
Respondent denied a no-fault claim without having made a reasonable investigation.
 
RAQUEL HILL Lic# IN0356904
Against: Insurance Agent Location: SAN DIEGO, CA
Action: Other/Consent   
Signed: 2/28/2003
File # IN 2300927 BD
Allegation:
Respondent submitted false and misleading information on her application.
 
JOSEPH CSEDO Lic# IN007038
Against: Insurance Agent Location: ROSEMOUNT, MN
Action: Revocation/Hearing    Begin: End: Indefinite
Signed: 3/19/2003 $90000 Fine
File # IN 2203682 BD
Allegation:
On at least 5 occasion, Resp accepted premium payments but failed to secure coverage; respondent was warned in 1999 for similar conduct.
 
ROBERT PIERRET Lic# IN247
Against: Insurance Agent Location: MANKATO, MN
Action: Other/Consent   
Signed: 4/3/2003 $500 Fine
File # IN 2104280 PEG
Allegation:
Resp. failed to deposit premium in a trust account and forward to insurer via ACA and failed to correct the error when brought to his attention by insured.
 
CLAIMS MANAGEMENT SERVICES, INC.* Lic# TP0366372
Against: Third Party Admin Location: ROSWELL, GA
Action: Other/Consent   
Signed: 4/3/2003 $250 Fine
File # IN 2208923 CLN
Allegation:
Use of an unlicensed adjuster.
 
WESTPORT INSURANCE CORPORATION Naic# 34207
Against: Insurance Company Location: OVERLAND PARK, KS
Action: Other/Consent   
Signed: 4/3/2003 $500 Fine
File # IN 2208923 CLN
Allegation:
Resp. utilized an unlicensed person to adjust claims.
 
JOHN PACKER Lic# IN1606
Against: Insurance Agent Location: FARIBAULT, MN
Action: Other/Consent   
Signed: 4/3/2003
File # IN 2300031 BD
Allegation:
Resp. was convicted of a misdemeanor, thus was issued a conditional license.
 
LINCOLN BENEFIT LIFE COMPANY Naic# 65595
Against: Insurance Company Location: LINCOLN, NE
Action: Other/Consent   
Signed: 4/3/2003 $85 Fine
File # IN 2300219 UMB $165 Investigator Costs
Allegation:
Resp. notified the department late with regard to the imposition of penalties by other states.
 
ALLSTATE INDEMNITY COMPANY Naic# 19240
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 4/3/2003 $83 Fine
File # IN 2300219 UMB $167 Investigator Costs
Allegation:
Resp. notified the department late with regard to the imposition of penalties by other states.
 
ALLSTATE INSURANCE COMPANY Naic# 19232
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 4/3/2003 $83 Fine
File # IN 2300219 UMB $167 Investigator Costs
Allegation:
Resp. notified the department late with regard to the imposition of penalties by other states.
 
NORTHBROOK INDEMNITY CO Naic# 36455
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 4/3/2003 $83 Fine
File # IN 2300219 UMB $167 Investigator Costs
Allegation:
Resp. notified the department late with regard to the imposition of penalties by other states.
 
ALLSTATE LIFE INSURANCE COMPANY Naic# 60186
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 4/3/2003 $83 Fine
File # IN 2300219 UMB $167 Investigator Costs
Allegation:
Resp. notified the department late with regard to the imposition of penalties by other states.
 
ALLSTATE ASSURANCE COMPANY Naic# 70866
Against: Insurance Company Location: NORTHBROOK, IL
Action: Other/Consent   
Signed: 4/3/2003 $83 Fine
File # IN 2300219 UMB $167 Investigator Costs
Allegation:
Resp. notified the department late with regard to the imposition of penalties by other states.
 
TERRY COLVIN Lic# IN30070
Against: Insurance Agent Location: CRYSTAL, MN
Action: Revocation/Hearing    Begin: 4/4/2003 End: Indefinite
Signed: 4/4/2003 $5000 Fine
File # IN 2101835 SMK
Allegation:
Resp forged signatures, converted funds to own use, failed to maintain records, bribed a Department witness, failed to remit premium payments, allowed unlicensed person to act as an agent.
 
LARRY LAURENCE Lic# IN0056778
Against: Insurance Agent Location: PT RICHMOND, CA
Action: Other/Consent   
Signed: 4/10/2003 $250 Fine
File # IN 2207364 BD
Allegation:
Resp. failed to timely notify the Dept of administrative action in other state.
 
CHARLES LUCIUS Lic# IN0242699
Against: Insurance Agent Location: TOPEKA, KS
Action: Other/Consent   
Signed: 4/10/2003 $750 Fine
File # IN 2301376 BD
Allegation:
Applicant submitted untrue and misleading information on his application.
 
ROBERT ELSTER Lic# IN4323
Against: Insurance Agent Location: SONOMA, CA
Action: Other/Consent   
Signed: 4/20/2003 $500 Fine
File # IN 2401640 KB
Allegation:
Respondent failed to report other states actions within 30 days as required by Minnesota law.
 
ILLINOIS FARMERS INSURANCE COMPANY Naic# 21679
Against: Insurance Company Location: AURORA, IL
Action: Other/Consent   
Signed: 4/24/2003 $10000 Fine
File # IN 9904671 LJ $10000 Investigator Costs
Allegation:
Resp. used vendor that identified themselves as Illinois Farmers. Hereby Vacated Order signed on January 2, 2003
 
AMERICAN SPECIALTY HEALTH INSURANCE COMPANY Naic# 84697
Against: Insurance Company Location: SAN DIEGO, CA
Action: Other/Consent   
Signed: 4/28/2003 $50000 Fine
File # IN 2000118 BD
Allegation:
Repondent committed numerous claims handling violations.
 
AUTO-OWNERS INSURANCE COMPANY Naic# 18988
Against: Insurance Company Location: LANSING, MI
Action: Other/Consent   
Signed: 4/28/2003 $5000 Fine
File # IN 2106287 SMK
Allegation:
Resp. non-renewed commercially rated automobile policies issued to natural persons in violation of MN rules.
 
PATRICK HARRIS Lic# AJ0363262
Against: Adjuster Location: LAWRENCEVILLE, GA
Action: Other/Consent   
Signed: 4/28/2003 $250 Fine
File # IN 2208923 CLN
Allegation:
Adjusted Minnesota claims without a license.
 
AUSTIN MUTUAL INSURANCE COMPANY Naic# 13412
Against: Insurance Company Location: MINNEAPOLIS, MN
Action: Cease & Desist/Consent   
Signed: 4/28/2003 $500 Fine
File # IN 2300308 MBF
Allegation:
Respondent provided false or misleading information to the Commissioner and engaged is an arbitrary underwriting practice relative to one insured's policy.
 
MANHATTAN NATIONAL LIFE INSURANCE COMPANY Naic# 67083
Against: Insurance Company Location: CINCINNATI, OH
Action: Other/Consent   
Signed: 5/5/2003 $3000 Fine
File # IN 2207375 BD
Allegation:
Insurer failed to communicate with it's insured in a timely manner.
 
BEST BUY CO. INC. Lic# UC0080889
Against: Unlicensed Company Location: EDEN PRAIRIE, MN
BBC INS AGCY INC Lic# IA0273827
Against: Insurance Agency Location: RICHFIELD, MN
HOUSEHOLD LIFE INSURANCE COMPANY Naic# 93777
Against: Insurance Company Location: BRIDGEWATER, NJ
Action: Other/Consent   
Signed: 5/21/2003
File # IN 2108705 JPK $250000 Investigator Costs
Allegation:
Respondents sold credit life policies that were not filed and properly represented to customers.
 
ROBERT HEUSINKVELD Lic# IN0307875
Against: Insurance Agent Location: PLANO, TX
Action: Other/Consent   
Signed: 5/21/2003 $500 Fine
File # IN 2302919 SMK
Allegation:
Resp. failed to notify Dept. of other states actions on his application to the Dept. and after his license was issued.
 
METROPOLITAN LIFE INSURANCE COMPANY Naic# 65978
Against: Insurance Company Location: NEW YORK, NY
Action: Other/Consent   
Signed: 5/28/2003 $10000 Fine
File # IN 2209139 UMB
Allegation:
Resp. improperly terminated long term disability benefits without conducting reasonable standards for prompt investigation, and failed to provide resasons for termination; failed to respond in a timely manner.
 
TROY CAMPBELL Lic# IN0046578
Against: Insurance Agent Location: WEST CONCORD, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 6/4/2003
File # IN 2300159 BD
Allegation:
Respondent took premium money and failed to advance it to the insurer.
 
ERROL GILBERTSON Lic# IN0050303
Against: Insurance Agent Location: HERMANTOWN, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 6/5/2003
File # IN 2101674 PEG
Allegation:
Resp. withheld money from insureds, forged another agents name to an application, improperly replaced medicare supplement policies, misrepresented the terms in the contract; failed to respond to the Dept.
 
NORTHERN MUTUAL INSURANCE COMPANY Naic# 16314
Against: Insurance Company Location: MINNEAPOLIS, MN
AUSTIN MUTUAL INSURANCE COMPANY Naic# 13412
Against: Insurance Company Location: MINNEAPOLIS, MN
Action: Other/Consent   
Signed: 6/13/2003 $3000 Fine
File # IN 2200490 CLN
Allegation:
Resp. improperly nonrenewed policies of homeowners insurance.
 
VILLAGE TITLE AND ABSTRACT COMPANY, INC. Lic# AS0058282
Against: Abstractor company Location: ,
Action: Other/Consent   
Signed: 6/13/2003 $5000 Fine
File # IN 2210590 SMK
Allegation:
Resp. failed to remit premium funds and policies to an insurer in a timely manner after the termination of the agency appointment contract.
 
KENT STRONG Lic# IN0121404
Against: Insurance Agent Location: CENTENNIAL, CO
Action: Other/Consent   
Signed: 6/13/2003 $250 Fine
File # IN 2302170 SMK
Allegation:
Resp. failed to notify the Dept. of changes to information contained on his license application within the time required.
 
ERLING LIAN Lic# IN0058343
Against: Insurance Agent Location: SCOTTSDALE, AZ
Action: Suspension/Consent    Begin: 7/13/2003 End: 7/19/2003
Signed: 7/2/2003 $500 Fine
File # IN 2302182 SMK
Allegation:
Resp. filed insurance agent application that contained a false, misleading or fraudulent statement.
 
KRISLYN HOGE Lic# IN0115537
Against: Insurance Agent Location: INGELSIDE, IL
Action: Other/Consent   
Signed: 7/3/2003
File # IN 2200216 PEG
Allegation:
Resp. failed to comply with terms of prior consent order by failing to remit first fine payment by required due date.
 
JEREMY FLAHAVEN Lic# IN0236362
Against: Insurance Agent Location: SAGINAW, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 7/3/2003
File # IN 2200217 PEG
Allegation:
Rsp. Failed to comply with terms of prior consent order by failing to remit first fine payment by required due date.
 
DALE BARTZ Lic# IN41846
Against: Insurance Agent Location: MARSHALL, MN
DALE BARTZ Lic# NO0186532
Against: Notary Location: MARSHALL, MN
Action: Revocation/Consent Begin:    End: Indefinite
Signed: 7/14/2003
File # IN 2302196 SMK
Allegation:
Resp. failed to remit collected premium funds to an insurer and forged another's name to a document.
 
MICHAEL ROCHE Lic# IN0268455
Against: Insurance Agent Location: MADISON, WI
Action: Other/Consent   
Signed: 7/22/2003 $500 Fine
File # IN 2303999 BD
Allegation:
Respondent submitted misleading information on his license renewal application.
 
STEPHEN KITTELSON Lic# IN61271
Against: Insurance Agent Location: MANKATO, MN
Action: Suspension/Consent    Begin: 8/4/2003 End:
Signed: 8/4/2003
File # IN 2202610 LMD
Allegation:
Stay of suspension contained in May 3, 2002 Consent Order is revoked due to respondent's failure to comply with payment agreement; License suspended until creditor is paid in full.
 
MICHAEL YANKOVEE Lic# IN0256426
Against: Insurance Agent Location: WAITE PARK, MN
Action: Censure/Consent   
Signed: 8/13/2003
File # IN 2204677 GLP
Allegation:
Resp. admitted to back dating effective date of insurance policy.
 
MILLINGTON INS GROUP INC Lic# IA0054358
d/b/a HRTOTAL
Against: Insurance Agency Location: INVER GROVE HEIGHTS, MN
Action: Other/Consent   
Signed: 8/13/2003 $1000 Fine
File # IN 2301024 SMK
Allegation:
Resp. failed to remit a premium refund to an insured within the time required.
 
JAMES YOUNG Lic# IN55364
Against: Insurance Agent Location: CAMBRIDGE, MN
Action: Other/Consent   
Signed: 8/13/2003 $2500 Fine
File # IN 2301610 BD
Allegation:
Resp. accepted premium money and failed to remit same to insurer.
 
CHRISTOPHER SKELTON Lic# IN1692
Against: Insurance Agent Location: ISANTI, MN
Action: Summary Suspension, Notice of   
Signed: 8/20/2003
File # IN 2304082 KB
Allegation:
Resp. sold insurance policies to at least 12 business owners and failed to remit the premiums to the insurance company; respondent also engaged in the sale of surplus lines insurance for which he was not appointed or authorized.
 
BRYAN LUGERT Lic# IN0058179
Against: Insurance Agent Location: OTSEGO, MN
Action: Other/Consent   
Signed: 8/25/2003 $2500 Fine
File # IN 2209445 JPK
Allegation:
Resp. failed to provide a timely notification of an address change to the Commissioner; failed to respond to the department request.
 
STANLEY ZIERKE Lic# IN006587
Against: Insurance Agent Location: PELICAN RAPIDS, MN
Action: Other/Consent   
Signed: 8/29/2003
File # IN 2300459 PEG
Allegation:
Dept prepared to deny license application based on respondent's prior administrative action and criminal charge; but respondent agreed to a conditional license.
 
TEDD HOYT Lic# IN0012593
Against: Insurance Agent Location: PLYMOUTH, MN
Action: Other/Consent   
Signed: 9/5/2003 $250 Fine
File # IN 2303520 MBF
Allegation:
Resp. failed to report licensing information to our department in a timely manner.
 
JEFFREY WELLS Lic# IN0019
Against: Insurance Agent Location: BURNSVILLE, MN
Action: Other/Consent   
Signed: 9/9/2003 $1000 Fine
File # IN 2203614 UMB
Allegation:
Resp. sold insurance that was not suitable, no fact sheet provided, incorrect Life Illustration, kept the policy without the required signed receipts of the documents.
 
DALE SCHLICHTING Lic# IN6216
Against: Insurance Agent Location: AUSTIN, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 9/10/2003
File # IN 2305343 DPK
Allegation:
Respondent continued to engage in unlicensed securities agent activity in violation of previous department order.
 
MARK HAGLIN Lic# IN0077145
Against: Insurance Agent Location: BEMIDJI, MN
Action: Other/Consent   
Signed: 9/17/2003 $500 Fine
File # IN 2303278 MBF
Allegation:
Respondent misrepresented the terms of a proposed insurance contract.
 
HARTFORD UNDERWRITERS INSURANCE COMPANY Naic# 30104
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 9/29/2003 $500 Fine
File # IN 2303400 PEG
Allegation:
Respondent collected personal information about an insured from sources other than public records without permission (and against expressed written denial of such permission)
 
RUSSELL THOMPSON Lic# IN6011
Against: Insurance Agent Location: NICOLLET, MN
Action: Censure/Consent   
Signed: 10/13/2003 $500 Fine
File # IN 2205061 KJH
Allegation:
Respondent used an endorsement or commendatory statement in a written representation that was more than two years old without obtaining a confirmation that the statement represents the author's current opinion.
 
BCBSM INC Naic# 55026
Against: Insurance Company Location: ST PAUL, MN
Action: Other/Consent   
Signed: 10/13/2003 $1000 Fine
File # IN 2303437 PEG
Allegation:
Respondent denied claim and failed to respond to letter'(s) received by insured's attorney.
 
LEANN TAYLOR Lic# IN0113700
Against: Insurance Agent Location: ORTONVILLE, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 10/23/2003
File # IN 2304819 KB
Allegation:
Respondent improperly withheld, misappropriated or converted any money or properties received in the course of doing insurance business.
 
EDWARD SPENCER Lic# IN3302
Against: Insurance Agent Location: ELMHURST, IL
Action: Other/Consent   
Signed: 11/3/2003 $300 Fine
File # IN 2306008 MBF
Allegation:
Respondent failed to report other states administrative action within 30 days.
 
LARRY LALIM Lic# IN26245
Against: Insurance Agent Location: JORDAN, MN
Action: Other/Consent   
Signed: 12/9/2003 $3000 Fine
File # IN 2301058 BD
Allegation:
Respondent sold an unsuitable replacement life policy.
 
THOMAS DURDALL Lic# IN32174
Against: Insurance Agent Location: ROSEVILLE, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 12/9/2003
File # IN 2307138 BD
Allegation:
Respondent accepted premium and failed to timely secure coverage.
 
JAY WILLIAMS Lic# IN4548
Against: Insurance Agent Location: BURNSVILLE, MN
Action: Suspension/Consent    Begin: 12/16/2003 End: 1/6/2004
Signed: 12/16/2003 $4000 Fine
File # IN 2305264 MBF
Allegation:
Respondent forged another's name to a document.
 
SAFECO INSURANCE COMPANY OF ILLINOIS Naic# 39012
Against: Insurance Company Location: HOFFMAN ESTATES, IL
Action: Other/Consent   
Signed: 12/19/2003 $2500 Fine
File # IN 2303563 PEG
Allegation:
Respondent failed to pay no-fault claims in a timely manner.
 
GILBERTO ALANIS Lic# IN0160799
Against: Insurance Agent Location: ST PAUL, MN
Action: Other/Consent   
Signed: 12/19/2003 $500 Fine
File # IN 2305635 BD
Allegation:
Respondent failed to remit premiums to insurer on a timely basis.
 
GE LIFE AND ANNUITY ASSURANCE COMPANY Naic# 65536
Against: Insurance Company Location: RICHMOND, VA
Action: Other/Consent   
Signed: 12/19/2003 $5000 Fine
File # IN 2306124 CLN
Allegation:
Respondent sold basic medicare supplement plans not in compliance with Minn. Stat. 62A.31, subd 1d
 
PAUL WHITE Lic# IN6735
Against: Insurance Agent Location: OAKLAND, CA
BLACK/WHITE & ASSOC INS BROKERS Lic# IA0181500
Against: Insurance Agency Location: OAKLAND, CA
Action: Other/Consent   
Signed: 12/29/2003 $1000 Fine
File # IN 2307663 KB
Allegation:
Failed to report other states actions against his license to our Department within 30 days.
 
ERIC KING Lic# IN0366612
Against: Insurance Agent Location: OREGON, WI
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 12/30/2003
File # IN 2306001 KB
Allegation:
Respondent reported nonexistent production to insurer to collect advanced commissions, engaged in fraudulent, coercive, and dishonest practices, and failed to appear, as ordered by the Commerce Dept.
 
FOREMOST INSURANCE COMPANY Naic# 11185
Against: Insurance Company Location: GRAND RAPIDS, MI
Action: Other/Consent   
Signed: 12/31/2003 $5000 Fine
File # IN 2303711 CLN
Allegation:
Respondent engaged in a prohibited underwriting practice relating to homeowner's insurance.
 
SCOTT NIMBAR Lic# IN646
Against: Insurance Agent Location: HOPKINS, MN
Action: Revocation/Consent    Begin: End: Indefinite
Signed: 12/31/2003
File # IN 2303733 KB
Allegation:
Respondent sold, solicited negotiated insurance and continued to collect commissions after his license was suspended by the MN Dept of Revenue for failing to pay taxes.
 
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 imposition 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 /TD> 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:
Disseminated deceptive and misleading advertisement that created the appearance of health 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 irresponsibility 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 capital 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  administrative  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:
Impropriety 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 conditional 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 certain 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 benefits 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 planning 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.
 
CHERYL MEYERS Lic# IN55043
Against: Insurance Agent Location: SPENCERVILLE, IN
Action: Civil Penalty   
Signed: 1/3/2005 $500 Fine
File # IN 2407429 KB
Allegation:
Respondent failed to report other states actions within 30 days as required by MN law.
 
LEONARD SALAZAR Lic# IN20349836
Against: Insurance Agent Location: SAN ANTONIO, TX
Action: Civil Penalty   
Signed: 1/5/2005 $500 Fine
File # IN 2407427 KB
Allegation:
Respondent failed to disclose an administrative action on his application and failed to timely resport 3 other related actions.
 
GREGORY MCWHORTER Lic# IN52965
Against: Insurance Agent Location: BLOOMINGTON, MN
Action: Summary Suspension, Notice of   
Signed: 1/6/2005
File # IN 2405061 MBF
Allegation:
Respondent demonstrated untrustworthiness, converted premium payments, forged a document and made misrepresentations; Also, respondent breached his fiduciary duties concerning client funds.
 
CHRISTINE RIDDELL Lic# IN20277235
Against: Insurance Agent Location: REDONDO BEACH, CA
Action: Revocation/Hearing Begin: 1/10/2005    End: Indefinite
Signed: 1/10/2005 $40000 Fine
File # IN 2308757 SMK
Allegation:
Respondent failed to resp to Dept., was dishonest, untrustworthy and financially irresponsible by issuing fraudulent E and O policies and collecting premiums on those policies.
 
STACY SWIFT Lic# IN20308566
Against: Insurance Agent Location: GRAND RAPIDS, MI
Action: Other/Consent   
Signed: 1/10/2005 $250 Fine
File # IN 2409204 BD
Allegation:
Allege respondent failed to timely report an administrative action.
 
WESTERN INS AGCY INC Lic# IA747
Against: Insurance Agency Location: ST PAUL, MN
Action: Cease & Desist/Consent   
Signed: 1/11/2005 $5000 Fine
File # IN 2404093 MBF
Allegation:
Respondent failed to provide fee disclosures before performing services charged for and the disclosures were misleading.
 
AMERICAN NATIONAL INSURANCE COMPANY Naic# 60739
Against: Insurance Company Location: GALVESTON, TX
Action: Other/Consent   
Signed: 1/13/2005 $1212 Fine
File # IN 2405970 PDH
Allegation:
Sold industrial life policies to non-white persons with higher premiums or lesser benefits --- multi-state race-based settlement.
 
JON BELINKIE Lic# IN20019622
Against: Insurance Agent Location: ROCKVILLE, MD
Action: Civil Penalty   
Signed: 1/24/2005 $500 Fine
File # IN 2407277 KB
Allegation:
Respondent failed to report 2 administrative actions within the 30 day requirement.
 
JILL SCHNEIDER Lic# IN20286034
Against: Insurance Agent Location: COURTLAND, MN
Action: Revocation/Consent Begin:    End: Indefinite
Signed: 1/26/2005
File # IN 2402762 BD
Allegation:
Respondent retained a portion of an insured's premium payment.
 
BCBSM INC Naic# 55026
Against: Insurance Company Location: ST PAUL, MN
Action: Censure/Consent   
Signed: 1/26/2005 $3000 Fine
File # IN 2405482 PEG
Allegation:
Respondent failed to promptly conduct investigation; failed to reply to communication received from members within 10 days; and failed to respond to Dept within specified time frame.
 
STEPHEN JOHNSON Lic# IN48267
Against: Insurance Agent Location: KASSON, MN
Action: Other/Consent   
Signed: 1/26/2005 $500 Fine
File # IN 2407211 BD
Allegation:
Respondent signed a document on behalf of insured without proper authority.
 
JOHN SADLER Lic# IN20040127
Against: Insurance Agent Location: COLUMBIA, SC
Action: Civil Penalty   
Signed: 1/31/2005 $250 Fine
File # IN 2406777 KB
Allegation:
Respondent failed to disclose other state administrative actions within the thiry day requirement.
 
JORDAN PATROS Lic# IN20470922
Against: Insurance Agent Location: GOLDEN VALLEY, MN
Action: Civil Penalty   
Signed: 2/7/2005 $250 Fine
File # IN 2500440 KB
Allegation:
Respondent failed to disclose a previous misdemeanor conviction on his original license application.
 
AGSTAR FINANCIAL SERVICES ACA Lic# IA464
Against: Insurance Agency Location: MANKATO, MN
Action: Cease & Desist/Consent   
Signed: 2/10/2005 $5000 Fine
File # IN 2405279 MBF
Allegation:
Respondent provided rebates to its insurance customers.
 
CHRISTOPHER BRU Lic# IN20404598
Against: Insurance Agent Location: BLOOMINGTON, MN
Action: Other/Consent   
Signed: 2/10/2005
File # IN 2407364 BD
Allegation:
Respondent was issued conditional license based on past criminal record.
 
JOSEPH SERVANT Lic# IN20222432
Against: Insurance Agent Location: E GREENWICH, RI
Action: Civil Penalty   
Signed: 2/11/2005 $250 Fine
File # IN 2500478 MBF
Allegation:
Respondent failed to provide timely notice of criminal matter.
 
METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY Naic# 26298
Against: Insurance Company Location: WARWICK, RI
Action: Other/Consent   
Signed: 2/17/2005 $5000 Fine
File # IN 2307955 CLN
Allegation:
Respondent improperly adjusted an automobile total loss claim.
 
JEFFREY LEJFER Lic# IN20352919
Against: Insurance Agent Location: MANALAPAN, NJ
Action: Civil Penalty   
Signed: 3/1/2005 $250 Fine
File # IN 2500510 MBF
Allegation:
Respondent failed to notify our department within thirty days of another states action.
 
MARK GERBI Lic# IN769121
Against: Insurance Agent Location: LITTLE FALLS, MN
Action: Cease & Desist/Consent   
Signed: 3/3/2005 $250 Fine
File # IN 2402851 MBF
Allegation:
Respondent failed to keep a cash disbursements journal in accordance with generally accepted accounting principles.
 
ERIN WAKELY Lic# IN20254314
Against: Insurance Agent Location: BLOOMINGTON, MN
Action: Suspension/Consent Begin: 2/28/2005    End: 3/18/2005
Signed: 3/3/2005
File # IN 2405061 MBF
Allegation:
Respondent misrepresented the terms of insurance contracts.
 
MEDICA SELF-INSURED Lic# TP1283
d/b/a MEDICA SELF-INSURED AND D/B/A SELECT CARE
Against: Third Party Admin Location: MINNETONKA, MN
Action: Other/Consent   
Signed: 3/3/2005 $3000 Fine
File # IN 2406797 PEG
Allegation:
Respondent improperly denied claims for insured's oxygen services.
 
RADIAN ASSET ASSURANCE INC. Naic# 36250
Against: Insurance Company Location: NEW YORK, NY
Action: Cease & Desist/Consent   
Signed: 3/10/2005 $1500 Fine
File # IN 2408832 MBF
Allegation:
Respondent allowed unlicensed individuals to sell their products; these individuals were also not appointed.
 
BOBBY BRYANT Lic# IN20400092
Against: Insurance Agent Location: COCHRAN, GA
Action: Order for Hrg/Statement of Charges   
Signed: 3/18/2005
File # IN 2408177 BD
Allegation:
Respondent licensee failed to inform the Department of a felony conviction.
 
MITCHELL STEWART Lic# IN20488798
Against: Insurance Agent Location: THIEF RIVER FALLS, MN
Action: Other/Consent   
Signed: 4/1/2005
File # IN 2408582 BD
Allegation:
Respondent issued a conditional license based on prior criminal record and child support obligation.
 
MONUMENTAL LIFE INSURANCE COMPANY Naic# 66281
Against: Insurance Company Location: BALTIMORE, MD
Action: Other/Consent   
Signed: 4/6/2005
File # IN 2502745 PDH
Allegation: $26304.85 Other
Settlement of multistate examination involving race-based underwriting and premiums.
 
JOHN FULS Lic# IN20146931
Against: Insurance Agent Location: SAUK RAPIDS, MN
Action: Revocation/Consent Begin:    End: Indefinite
Signed: 4/20/2005
File # IN 2500166 MBF
Allegation:
Respondent misrepresented the terms of insurance contracts, improperly converted premiums, and engaged in conduct which makes him unqualified to be an insurance producer.
 
GENERAL CASUALTY COMPANY OF WISCONSIN Naic# 24414
Against: Insurance Company Location: SUN PRAIRIE, WI
Action: Cease & Desist/Consent   
Signed: 4/20/2005 $1500 Fine
File # IN 2502143 MBF
Allegation:
Respondent with respect to one claim, failed to settle the claim promptly in which liability had become reasonably clear.
 
JOEL WELLS Lic# IN20488879
Against: Insurance Agent Location: EAGAN, MN
Lic# RA20421058
Against: Real Estate Agent Location: EAGAN, MN
Action: Order for Hrg/Statement of Charges   
Signed: 4/25/2005
File # IN 2408345 KB
Allegation:
Respondent submitted a false application for a real estate salesperson's license, provided incomplete information on his insurance agent's application, and plead guilty to a gross misdemeanor involving moral turpitude.
 
SPRING VALLEY MUTUAL INSURANCE COMPANY Naic# 11028
Against: Insurance Company Location: SPRING VALLEY, MN
Action: Other/Consent   
Signed: 4/29/2005 $2500 Fine
File # IN 2500476 SMK
Allegation:
Respondent issued a policy endorsement form prior to having the form filed and approved by the Dept.
 
RODGER HOEFT Lic# IN50117
Against: Insurance Agent Location: MOORHEAD, MN
Action: Other/Consent   
Signed: 4/29/2005
File # IN 2502232 JCJ
Allegation:
License Clear - Consent to Conditions.
 
GREGORY MCWHORTER Lic# IN52965
Against: Insurance Agent Location: BLOOMINGTON, MN
Action: Revocation/Hearing Begin:    End: Indefinite
Signed: 5/2/2005
File # IN 2405061 MBF
Allegation:
Respndent's actions include untrustworthiness; breach of fiduciary duty; and improperly withholding, misappropriating or converting money received in the course of doing insurance business.
 
RASHIDA CAGE Lic# IN20386355
Against: Insurance Agent Location: MPLS, MN
Action: Other/Consent   
Signed: 5/4/2005
File # IN 2502794 MBF
Allegation:
Respondent was issued a probationary license until March 30, 2007.
 
TIME INSURANCE COMPANY Naic# 69477
Against: Insurance Company Location: MILWAUKEE, WI
Action: Other/Consent   
Signed: 5/6/2005 $7500 Fine
File # IN 2406874 SMK
Allegation:
Failed to administer a pre-certification determination and appeal in accordance with Minnesota law.
 
REGAL INSURANCE COMPANY Naic# 38873
Against: Insurance Company Location: BIRMINGHAM, AL
Action: Other/Consent   
Signed: 5/6/2005 $5000 Fine
File # IN 2500088 SMK
Allegation:
Failed to respond in a timely manner to a claim document request made by an insured regarding a personal automobile injury protection claim.
 
WINKELMAN HOMES INC Lic# BC20176483
Against: Building Contractor Location: ZIMMERMAN, MN
Action: Recovery Fund Payout/Lic Susp Begin:    End: Indefinite
Signed: 5/6/2005
File # IN 2501804 PJG
Allegation:
License was suspended due to a recovery fund payout.
 
CARLENE SEPPANEN Lic# IN20184682
Against: Insurance Agent Location: LINO LAKES, MN
Action: Other/Consent   
Signed: 5/6/2005
File # IN 2502151 KB
Allegation:
Respondent issued a binder for an auto insurance policy without collecting any premium. Respondent demonstrated incompetence, untrustworthy and financial irresponsibility.
 
PEOPLES HEALTH PLAN Lic# UC20523032
Against: Unlicensed Company Location: DEERFIELD BEACH, FL
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2307588 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
AFFORDABLE HEALTH CARE/CONTINENTAL HEALTH Lic# UC20523042
Against: Unlicensed Company Location: SAN DIEGO, CA
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2401200 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
EQUAL ACCESS HEALTH Lic# UC20523026
Against: Unlicensed Company Location: ARLINGTON, TX
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2402990 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
MED HEALTH PLUS/MED HEALTH ONE Lic# UC20523064
Against: Unlicensed Company Location:
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2406506 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
EXTRA HEALTH FAMILY PLUS Lic# UC20523065
Against: Unlicensed Company Location:
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2406992 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
ALL AMERICAN HEALTH PLAN Lic# UC20523049
Against: Unlicensed Company Location: HOUSTON, TX
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2407123 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
FAMILY CHOICE Lic# UC20523057
Against: Unlicensed Company Location: NEWPORT BEACH, CA
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2407126 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
PROTECTIVE SMARTHEALTH PLUS Lic# UC20523060
Against: Unlicensed Company Location:
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2407127 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
SMART HEALTH CARE SOLUTIONS Lic# UC20523037
Against: Unlicensed Company Location: TEMPE, AR
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2407128 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
COLONIAL HEALTH Lic# UC20523067
Against: Unlicensed Company Location:
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2407131 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
AMERICAN MEDICAL SERVICES Lic# UC20523052
Against: Unlicensed Company Location: CLEARWATER, FL
Action: Cease & Desist/Hearing   
Signed: 5/11/2005
File # IN 2408241 PEG
Allegation:
Respondent has engaged in false and misleading advertising with regard to the solicitation of a healthcare plan.
 
AMERICAN FRATERNAL UNION Naic# 56200
Against: Insurance Company Location: ELY, MN
Action: Cease & Desist/Consent   
Signed: 5/16/2005
File # IN 2505639 GAL
Allegation:
Departmental review.
 
WINKELMAN HOMES INC Lic# BC20176483
Against: Building Contractor Location: ZIMMERMAN, MN
Action: Recovery Fund Payout/Lic Susp Begin: 4/27/2005    End: Indefinite
Signed: 5/19/2005
File # IN 2501804 PJG
Allegation:
License was suspended due to a recovery fund payout.
 
ROGER PLAMANN Lic# IN20519614
Against: Insurance Agent Location: ALBANY, MN
Action: Other/Consent   
Signed: 5/19/2005
File # IN 2502915 JCJ
Allegation:
License Clear---Consent to Conditions.
 
DANA VIETOR Lic# IN43307
Against: Insurance Agent Location: INDEPENDENCE, IA
Action: Civil Penalty   
Signed: 5/20/2005 $300 Fine Civil Penalty/Agreement
File # IN 2502036 MBF
Allegation:
Respondent failed to deliver contracts to the insured within 30 working days of receipt of them from the insurer.
 
STEPHEN OATWAY Lic# IN20203385
Against: Insurance Agent Location: LE SUEUR, MN
Action: Revocation/Hearing Begin: 6/7/2005    End: Indefinite
Signed: 6/7/2005 $18000 Fine
File # IN 2406935 BD
Allegation:
Respondent misappropriated client funds for personal use.
 
W & R INSURANCE AGENCY INC Lic# IA5720
Against: Insurance Agency Location: SHAWNEE MISSION, KS
Action: Other/Consent   
Signed: 6/9/2005 $68110 Fine Consent/Other
File # IN 2303718 PDH
Allegation:
Multistate and NASD resolution involving the improper replacement of variable annuities. $5 MM fine to NASD, $2 MM fine to states and $11MM restitution.
 
WRIGHT AND COMPANY Lic# TP20024888
Against: Third Party Admin Location: WASHINGTON, DC
Action: Other/Consent   
Signed: 6/9/2005 $5000 Fine Consent/Other
File # IN 2500757 CLN
Allegation:
Unlicensed Third Party Administrator activity.
 
AIG PREMIER INSURANCE COMPANY Naic# 20796
Against: Insurance Company Location: FORT WASHINGTON, PA
Action: Other/Consent   
Signed: 6/22/2005 $1000 Fine Consent/Other
File # IN 2409006 KJH
Allegation:
Respondent denied a portion of a claim without conducting a reasonable investigation and failed to make a good faith assignment of comparative negligence percentages.
 
TODD HAWLEY Lic# IN20126673
Against: Insurance Agent Location: GRAND RAPIDS, MI
Action: Civil Penalty   
Signed: 6/29/2005 $1000 Fine
File # IN 2409050 JCJ
Allegation:
Failing to disclose administrative actions.
 
SARAH BIASIOLLI Lic# IN20155292
Against: Insurance Agent Location: SAN ANTONIO, TX
Action: Civil Penalty   
Signed: 7/1/2005 $250 Fine
File # IN 2409053 JCJ
Allegation:
Failing to disclose administrative actions.
 
TRAVCO INSURANCE COMPANY (THE) Naic# 28188
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 7/1/2005 $1000 Fine Consent/Other
File # IN 2501761 KJH
Allegation:
Respondent failed to respond in a timely manner to a claim document request by an insured regarding a personal automobile protection claim.
 
MED TECH Lic# UC20533045
Against: Unlicensed Company Location: PLATTSBURG, NY
Action: Cease & Desist/Hearing   
Signed: 7/1/2005
File # IN 2502197 SMK
Allegation:
Respondent engaged in and transacting insurance in Minnesota without a license. Failed to respond to Department's requests for information.
 
PLATINUM WARRANTY CORPORATION Lic# UC20527000
d/b/a WARRANTY CENTER
Against: Unlicensed Company Location: CLEVELAND, OH
Action: Cease & Desist/Consent   
Signed: 7/12/2005
File # IN 2402594 MBF
Allegation:
Respondent failed to respond timely, failed to obtain a vehicle service contract reimbursement insurance policy, failed to have required notices in their contract.
 
PLATINUM WARRANTY CORPORATION Lic# UC20527000
d/b/a WARRANTY CENTER
Against: Unlicensed Company Location: CLEVELAND, OH
Action: Cease & Desist/Consent   
Signed: 7/12/2005
File # IN 2500325 MBF
Allegation:
Respondent failed to respond timely, failed to obtain a vehicle service contract reimbursement insurance policy, failed to have required notices in their contract.
 
BOBBY BRYANT Lic# IN20400092
Against: Insurance Agent Location: COCHRAN, GA
Action: Revocation/Hearing Begin: 7/13/2005    End: Indefinite
Signed: 7/13/2005
File # IN 2408177 BD
Allegation:
Respondent's license revoked for failing to disclose a criminal conviction on his license application.
 
RICHARD DALE Lic# IN20319001
Against: Insurance Agent Location: IRVING, TX
Action: Civil Penalty   
Signed: 7/20/2005 $250 Fine
File # IN 2504461 JCJ
Allegation:
Failing to disclose administrative actions.
 
PATRICIA ANDERSON Lic# IN20266498
Against: Insurance Agent Location: HUDSON, WI
Action: Other/Hearing   
Signed: 7/28/2005
File # IN 2501401 KB
Allegation:
Respondent improperly withheld or misappropriated insurance monies, demonstrated untrustworthiness and financial irresponsibility and failed to observe high standards of commercial honor.
 
VERNON COOPER Lic# IN7227
Against: Insurance Agent Location: ROCHESTER, MN
Action: Order for Hrg/Statement of Charges   
Signed: 7/29/2005
File # IN 2407341 MBF
Allegation:
Respondent has demonstrated un-trusted worthiness and is unqualified to work as an agent. Also respondent provided false, misleading and incomplete information to the commissioner
 
VERNON COOPER Lic# IN7227
Against: Insurance Agent Location: ROCHESTER, MN
Action: Order for Hrg/Statement of Charges   
Signed: 7/29/2005
File # IN 2503463 MBF
Allegation:
Respondent has demonstrated un-trusted worthiness and is unqualified to work as an agent. Also respondent provided false, misleading and incomplete information to the commissioner
 
ILLINOIS FARMERS INSURANCE COMPANY Naic# 21679
Against: Insurance Company Location: AURORA, IL
Action: Other/Consent   
Signed: 8/8/2005 $1000 Fine
File # IN 2409121 KJH
Allegation:
Respondent failed to issue payment in the amount agreed upon in settlement of all or part of a claim within 5 business days from receipt of the agreement.
 
WARREN GRABER Lic# IN20170333
Against: Insurance Agent Location: SIOUX FALLS, SD
Action: Civil Penalty   
Signed: 8/8/2005 $250 Fine
File # IN 2504790 JCJ
Allegation:
Allege Respondent failed to disclose administrative actions.
 
JEROMY ZAJONC Lic# IN20427595
Against: Insurance Agent Location: SAN RAFAEL, CA
Action: Civil Penalty   
Signed: 8/10/2005 $1000 Fine
File # IN 2405927 JCJ
Allegation:
Allege respondent provided false, misleading or incomplete information to the commissioner.
 
LOY FENNELL Lic# IN20527240
Against: Insurance Agent Location: MARSHALL, MN
Action: Other/Consent   
Signed: 8/10/2005
File # IN 2503630 JCJ
Allegation:
Criminal Proceedings/Probation.
 
ROBERT ALLEN Lic# IN20309717
Against: Insurance Agent Location: TAMPA, FL
Action: Civil Penalty
Signed: 8/11/2005 $250 Fine
File # IN 2504720 JCJ
Allegation:
Allege Respondent failed to disclose misdemeanor conviction on application.
 
G F MANN AGENCY LTD Lic# IA20342992
Against: Insurance Agency Location: NAPERVILLE, IL
Action: Civil Penalty   
Signed: 8/15/2005 $250 Fine
File # IN 2503753 JCJ
Allegation:
Allege respondent failed to disclose administrative actions.
 
WALTER HAWK Lic# IN20474253
Against: Insurance Agent Location: EUGENE, OR
Action: Civil Penalty   
Signed: 8/25/2005 $500 Fine
File # IN 2503749 JCJ
Allegation:
Allege Respondent failed to disclose misdemeanor conviction on application.
 
PROGRESSIVE NORTHWESTERN INSURANCE COMPANY Naic# 42919
Against: Insurance Company Location: MAYFIELD VILLAGE, OH
Action: Other/Consent   
Signed: 8/30/2005 $1500 Fine
File # IN 2407024 KJH
Allegation:
Respondent denied a claim without conducting a reasonable investigation based upon all available information.
 
GUARDIAN LIFE INSURANCE COMPANY OF AMERICA (THE) Naic# 64246
Against: Insurance Company Location: NEW YORK, NY
Action: Other/Consent   
Signed: 8/30/2005 $1500 Fine
File # IN 2502222 SMK
Allegation:
Allege respondent disclosed on applicant's personal information without first obtaining the applicant's written authorization.
 
YONGBO ZHAO Lic# IN20540091
Against: Insurance Agent Location: PLYMOUTH, MN
Action: Other/Consent   
Signed: 8/30/2005
File # IN 2505084 MBF
Allegation:
Respondent was issued a license consistent with the consent order's terms.
 
INSURANCE CORPORATION OF HANNOVER Naic# 37257
Against: Insurance Company Location: NEW YORK, NY
Naic#
Against: Insurance Company Location: LOS ANGELES, CA
Action: Other/Consent   
Signed: 8/31/2005 $5000 Fine
File # IN 2502332 SMK
Allegation:
Allege Respondent altered pet insurance policy forms without submitting changes to Department for approval, engaged in unfairly discriminatory underwriting practices, reduced policy coverage without providing notification required.
 
TIME INSURANCE COMPANY Naic# 69477
Against: Insurance Company Location: MILWAUKEE, WI
Action: Other/Consent   
Signed: 9/2/2005 $10000 Fine
File # IN 2502963 SMK
Allegation:
Allege Respondent delayed the process and payment of a health insurance claim as a result of statutory violations.
 
SENOL WHALEY Lic# IN20432741
Against: Insurance Agent Location: APPLE VALLEY, MN
Action: Revocation/Consent Begin: 9/19/2005    End: Indefinite
Signed: 9/19/2005
File # IN 2503159 MBF
Allegation:
Allege Respondent was convicted of a felony involving moral turpitude and failed to report the criminal matter timely to the Commissioner.
 
MILWAUKEE SAFEGUARD INSURANCE COMPANY Naic# 40703
Against: Insurance Company Location: JACKSONVILLE, FL
Action: Other/Consent   
Signed: 9/26/2005 $1500 Fine
File # IN 2405522 UMB
Allegation:
Allege respondent failed to provide the required notice to accept or deny the claim within 30 business days. Also, allege respondent failed to respond to the insured and the Department of Commerce in a timely matter.
 
BRIAN ZWICKE Lic# IN50735
Against: Insurance Agent Location: EAGLE LAKE, MN
Action: Revocation/Consent Begin: 9/26/2005    End: Indefinite
Signed: 9/26/2005
File # IN 2501317 MBF
Allegation:
Allege respondent converted client's funds, misrepresented insurance contracts and engaged in activity making him unfit to be an insurance producer.
 
ALLEN REISCH Lic# IN20543071
Against: Insurance Agent Location: NEWPORT, MN
Action: Other/Consent   
Signed: 9/26/2005
File # IN 2505565 MBF
Allegation:
Respondent was issued a probationary license. The probation period expires September 8, 2007.
 
FAMILY CHOICE Lic# UC20523057
Against: Unlicensed Company Location: NEWPORT BEACH, CA
Action: Other/Consent   
Signed: 10/4/2005
File # IN 2407126 PEG
Allegation:
Allege respondent engaged in false advertising and misleading comments in connection with an offer for purposes to be health insurance.
 
MICHELE MANKAMYER Lic# IN20413793
Against: Insurance Agent Location: WEST PALM BEACH, FL
Action: Civil Penalty   
Signed: 10/5/2005 $250 Fine
File # IN 2401137 MBF
Allegation:
Allege respondent failed to provide complete information on her insurance producer license application.
 
SAFEER HOPTON Lic# IN20371673
Against: Insurance Agent Location: SAN DIEGO, CA
Action: Other/Consent   
Signed: 10/7/2005 $500 Fine
File # IN 2504765 JCJ
Allegation:
Allege respondent provided false, misleading or incomplete information on application and failing to disclose other states administrative actions.
 
HORACE MANN INSURANCE COMPANY Naic# 22578
Against: Insurance Company Location: SPRINGFIELD, IL
Action: Civil Penalty   
Signed: 10/11/2005 $300 Fine
File # IN 2506029 MBF
Allegation:
Allege respondent failed to deliver unearned premium to an insured within 30 days of the insured's written cancellation request.
 
CALVIN BARLOCKER Lic# IN18275
Against: Insurance Agent Location: SALINAS, CA
Lic# IA20329255
Against: Insurance Agency Location: SALINAS, CA
Action: Order for Hrg/Statement of Charges   
Signed: 10/17/2005
File # IN 2408353 JCJ
Allegation:
Allege respondent provided false information to the Commissioner. Failed to report actions within 30 days of final disposition.
 
LISA MIZE Lic# IN20327189
Against: Insurance Agent Location: SUMMERSVILLE, WV
Action: Order for Hrg/Statement of Charges   
Signed: 10/17/2005
File # IN 2503895 JCJ
Allegation:
Allege respondent provided false, misleading or incomplete information on application.
 
FERCO INC Lic# IA20262338
d/b/a ASSURED BOND SVCS
Against: Insurance Agency Location: ST PAUL, MN
Lic# IN7384
Against: Insurance Agent Location: SANDSTONE, MN
Action: Order for Hrg/Statement of Charges   
Signed: 10/26/2005
File # IN 2409041 MBF
Allegation:
Allege respondent converted bail bond clients' collateral, demonstrated untrustworthiness, dishonest practices, and financial irresponsibility.
 
SUN SURETY INSURANCE COMPANY Naic# 20214291
Against: Insurance Company Location: RAPID CITY, SD
Action: Order for Hrg/Statement of Charges   
Signed: 10/26/2005
File # IN 2409041 MBF
Allegation:
Allege respondent refused to pay collateral amounts to its clients that were converted by its agent and respondent failed to notify the commissioner that it terminated it's agent for cause.
 
CHICAGO TITLE INSURANCE COMPANY Naic# 51136
Against: Insurance Company Location: CHICAGO, IL
Naic# 51586
Against: Insurance Company Location: SANTA BARBARA, CA
Action: Cease & Desist/Consent   
Signed: 10/26/2005
File # IN 2501346 PDH
Allegation:
Allege respondent made use of reinsurance arrangements to pass funds to settlement producers.
 
PROTECTION CONNECTION INC Lic# IA7630
d/b/a ENSURE
Against: Insurance Agency Location: HASTINGS, MN
Action: Other/Consent   
Signed: 10/26/2005 $500 Fine
File # IN 2504747 MBF
Allegation:
Allege respondent failed to ensure that its contracted producer promptly remitted a client's check to reimburse the agency for payment it had made for client.
 
SCOTT STEPAN Lic# IN20205858
Against: Insurance Agent Location: HASTINGS, MN
Action: Other/Consent   
Signed: 10/26/2005 $250 Fine
File # IN 2504747 MBF
Allegation:
Allege respondent deposited a check into his personal account before it was remitted to a business account.
 
JACK KITHCART Lic# IN26365
Against: Insurance Agent Location: FARGO, ND
Action: Other/Consent   
Signed: 10/26/2005 $5000 Fine
File # IN 2505071 MBF
Allegation:
Allege respondent published deceptive advertisements.
 
CINTHIA KORTIE Lic# IN20011789
Against: Insurance Agent Location: ALEXANDRIA, MN
Action: Other/Consent   
Signed: 10/26/2005
File # IN 2505071 MBF
Allegation:
Allege respondent published deceptive advertisements.
 
DONALD TERRELL Lic# IN60402
Against: Insurance Agent Location: PLYMOUTH, MN
Action: Order for Hrg/Statement of Charges   
Signed: 10/26/2005
File # IN 2506031 MBF
Allegation:
Allege respondent pled guilty to felony conspiracy to commit securities fraud, making him unqualified to be licensed, and he failed to provide notice of the conviction to the Commissioner.
 
CHARLES GIBSON Lic# IN20417247
Against: Insurance Agent Location: APPLE VALLEY, MN
Action: Revocation/Consent Begin: 10/26/2005    End: Indefinite
Signed: 10/26/2005
File # IN 2506115 MBF
Allegation:
Allege respondent forged an insured's name to a document making him unqualified to be an insurance producer.
 
DYANNE ROSS-HANSON Lic# IN703640
Against: Insurance Agent Location: BIRCHWOOD, MN
Action: Civil Penalty   
Signed: 11/10/2005 $500 Fine
File # IN 2505858 MBF
Allegation:
Allege respondent signed another's name to a supplementary document and subsequently obtained permission to do so.
 
FAMILY CHOICE Lic# UC20523057
Against: Unlicensed Company Location: NEWPORT BEACH, CA
Action: Other/Consent   
Signed: 11/17/2005
File # IN 2407126 PEG
Allegation:
Allege respondent engaged in false and misleading comments in connection with an offer for what purports to be a health Ins. plan.
 
MARK MCLANE Lic# IN20548946
Against: Insurance Agent Location: EAGAN, MN
Action: Other/Consent   
Signed: 11/17/2005
File # IN 2506934 MBF
Allegation:
Allege respondent was issued a probationary license.
 
UBONG USORO Lic# IN20534267
Against: Insurance Agent Location: BLOOMINGTON, MN
Action: Civil Penalty   
Signed: 11/29/2005 $250 Fine
File # IN 2507165 JCJ
Allegation:
Provided false, misleading or incomplete information to the commissioner.
 
JACK COLE Lic# IN20133810
Against: Insurance Agent Location: ISANTI, MN
Action: Civil Penalty   
Signed: 12/8/2005 $500 Fine
File # IN 2506603 MBF
Allegation:
Allege respondent failed to complete one client's insurance transaction and reconcile the client's account.
 
CASEY MILLER Lic# IN16806
Against: Insurance Agent Location: EDINA, MN
Action: Other/Consent   
Signed: 12/16/2005 $5000 Fine
File # IN 2503302 MBF
Allegation:
Allege respondent negligently issued certificates of liability insurance which showed multiple lines of coverage including one which was no longer in force.
 
TRAVELERS LIFE AND ANNUITY COMPANY (THE) Naic# 80950
Against: Insurance Company Location: HARTFORD, CT
Action: Other/Consent   
Signed: 12/16/2005 $2000 Fine
File # IN 2504317 SMK
Allegation:
Allege respondent failed to respond to Dept requests for documentation within the time specified.
 
STEPHEN HANSON Lic# IN20384264
Against: Insurance Agent Location: ST PAUL, MN
Action: Civil Penalty   
Signed: 12/23/2005 $250 Fine
File # IN 2507629 JCJ
Allegation:
Allege respondent continued to act as a bails bondman without an active license.
 
BRETT MAXWELL Lic# IN20544671
Against: Insurance Agent Location: BEMIDJI, MN
Action: Order for Hrg/Statement of Charges   
Signed: 12/28/2005
File # IN 2506957 JCJ
Allegation:
Allege respondent has been convicted of a criminal offense involving moral turpitude.
 
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 regarding 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, marketed, 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, Conclusions 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 demonstrating untrustworthy 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:
License 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 untrustworthy, incompetence, and financial irresponsibility, committed fraudulent and deceptive practices, and improperly commingled 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 affiliated business arrangements.
 
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, incompetence 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/Statement 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, misappropriated 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 products 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 compliance. 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)