For more information, contact: Robert Luck, Consumer Attorney,
Phone: (608) 266-0082,
E-mail: robert.luck@oci.state.wi.us

Madison, WI--OCI has taken the following administrative actions. In many of these cases the respondent denied the allegations but consented to the action taken. This list of administrative actions does not include actions for which a separate press release is done.

OCI is responsible for overseeing the operations and marketing of insurance companies and agents in Wisconsin. OCI encourages anyone with a question or a complaint regarding an insurance company or agent to contact the office at this toll-free telephone number: 1-800-236-8517.

Allegations and Actions Against Agents

James Bertler, 4750 Pine Ln., Green Bay, WI 54313, has had his license suspended for 1,000 days. This action was based on allegations of failing to comply with previous OCI order.

John S. Carrel, 4525 S. Harland Dr., New Berlin, WI 53151, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Neal R. Clemens, 2938 N. Murray Ave., Milwaukee, WI 53211, paid a forfeiture of $1,000.00 and was ordered to cease and desist from violating ss. Ins 6.60 and 6.61, Wis. Adm. Code. This action was based on allegations of failing to report an administrative action taken by the Wisconsin Department of Securities, and violation on s. Ins 6.60 (2) (c), Wis. Adm. Code.

Penny M. Demler, 11544 Meadowbrook Dr., Mequon, WI 53097, agreed to not reapply for an intermediary license for a minimum period of at least one (1) year after complying with additional requirements contained within the Stipulation and agreed to surrender her insurance agent's license. This action was based on allegations of modifying an application form by changing riders and coverage levels without knowledge of the insured and falsifying portions of an application by forging the insured's name and initials on documents submitted to the insurer representing the signature to be that of the insured.

Stephen Ira Levitus, 7205 Shannon Dr., Edina, MN 55439, has had his license denied for 31 days. This action was based on allegations of failing to disclose administrative action taken by the state of New York on an insurance license application.

Gerald R. Miller, N1166 Continental Ln., La Crosse, WI 54601, has had his insurance license revoked. This action was based on allegations of failing to properly consider suitability in selling life insurance and misrepresenting a client's income on an application.

Michael Napadow, 129 Canterfield Pky., West Dundee, IL 60118, was ordered to pay a forfeiture of $5,000.00 and was ordered to cease and desist from doing any business with Nations Hazard Insurance Company. This action was based on allegations of using unapproved policy forms and doing an insurance business without proper authority.

Donald F. Neubert, W225 N4006 Grandview Dr., Pewaukee, WI 53072, agreed to never reapply for any insurance license in the future and agreed to a revocation of his insurance license. This action was based on allegations of utilizing premiums for own use and not submitting applications to the insurer.

Diane E. Ogden, 3101 Stratton Way, Madison, WI 53719, agreed to pay a forfeiture of $250.00. This action was based on allegations of failing to report three Wisconsin administrative actions on an insurance application.

Oscar C. Rios, 915 S. Maple, Green Bay, WI 54304, has had his application for an insurance license denied. This action was based on allegations of criminal convictions substantially related to insurance marketing type conduct.

Laurie Lee Sisk, 6014 Hill Circle Dr., Nashville, TN 37209, has had her insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Charles Montgomery Stephenson, 106 E. San Pedro Ct., Gilbert, AZ 85234, has had his application for an insurance license denied. This action was based on allegations of criminal conviction substantially related to insurance marketing type conduct.

Allegations and Actions Against Companies

Accident Fund Insurance Company of America, 232 S. Capitol Ave., Lansing, MI 48933, paid a forfeiture of $500.00 and was ordered to cease and desist from violating s. Ins 21.01 (8), Wis. Adm. Code, by failing to state with reasonable precision the facts on which its decision to cancel or nonrenew is based. This action was based on allegations of issuing an improper midterm cancellation or nonrenewal of an insurance policy.

American Motorists Insurance Company, 1 Kemper Dr., Long Grove, IL 60049, was ordered to cease and desist from altering policy terms and/or increasing premiums 25% or more without providing proper notice and refund offer. This action was based on allegations of issuing an improper conditional renewal of an insurance policy.

Austin Mutual Insurance Company, 10 Second St. NE, Ste. 300, Minneapolis, MN 55413, paid a forfeiture of $2,000.00 and was ordered to issue 60-day notices to insureds when premiums increase over 25%. This action was based on allegations of issuing an improper renewal of an insurance policy.

C M I Group, Inc, 424 N. Fourth St, Milwaukee, WI 53203, has had its insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Flyway Mutual Insurance Company, 918 W. Main St., Waupun, WI 53963, paid a forfeiture of $500.00 and was ordered to cease and desist from issuing improper renewal with altered term notices. This action was based on allegations of issuing a notice of renewal with altered terms for an insurance policy with insufficient advance notice.

Highlands Insurance Company, 10370 Richmond Ave., Houston, TX 77042, was ordered to cease and desist from violating s. Ins 21.01 (8), Wis. Adm. Code, by failing to state with reasonable precision the facts on which its decision to nonrenew are based. This action was based on allegations of issuing an improper midterm cancellation or nonrenewal of an insurance policy.

Medical Associates Clinic Health Plan of Wisconsin, 1605 Associates Dr., Ste. 101, Dubuque, IA 52002, paid a forfeiture of $500.00. This action was based on allegations of failing to comply with a previous examination order and compliance order issued for examination report.

Moraine Mutual Insurance Company, 3830 Mayfield Rd., Jackson, WI 53037, paid a forfeiture of $500.00 and was ordered to cease and desist from issuing nonrenewal notices that do not provide reasonably precise facts upon which the nonrenewal decision is based. This action was based on allegations of issuing an improper midterm cancellation or nonrenewal of an insurance policy.

Nations Hazard Insurance Company, 129 Canterfield Pky., West Dundee, IL 60118, was ordered to pay a forfeiture of $5,000.00 and was ordered to cease and desist from conducting insurance related business in Wisconsin without authorization. This action was based on allegations of failing to respond promptly to inquiries from OCI and doing an insurance business without proper authority.

Travco Insurance Company, One Tower Sq., Hartford, CT 06183, paid a forfeiture of $1,500.00 and was ordered to cease and desist from not providing either a renewal or a nonrenewal notice and from canceling policies for nonpayment of premium without providing proper notice. This action was based on allegations of issuing an improper midterm cancellation or nonrenewal of an insurance policy.

Copies of Administrative Actions