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. Copies of the administrative action orders may be viewed online at https://ociaccess.oci.wi.gov/OrderInfo/OrdInfo.oci.

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

Margaret I. Archer, 1097 Standard Dr., Atlanta, GA 30319, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction substantially related to insurance marketing type conduct.

Kenneth Raymond Cauthorn, 278 Freeport Rd., Pittsburgh, PA 15238, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI, administrative action taken by the National Association of Securities Dealers, and a contested bankruptcy related to insurance marketing conduct.

Crystal Lee Christian, 1618 S. Canoe Creek Dr., Colorado Springs, CO 80906, was ordered to pay a forfeiture of $200.00 and has had her insurance license revoked. This action was based on allegations of failing to respond promptly to inquiries from OCI and administrative action taken by the state of California. Agent Christian did not appear at the hearing or prehearing.

Herbert Joe Clack, 6298 Lockhill Rd. #903, San Antonio, TX 78240, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction substantially related to insurance marketing type conduct.

Richard D. Elliott, 421 N. Hoover Rd., Wichita, KS 67212, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction substantially related to insurance marketing type conduct.

Gary L. Emerson, 5209 Paulson Rd., McFarland, WI 53558, was ordered to pay a forfeiture of $10,000.00, was ordered to pay expenses of a customer in amending income tax returns to remedy consequences of improper surrender of annuity, and has had his insurance license revoked. This action was based on allegations of failing to comply with home solicitation disclosure requirements, engaging in misleading and deceptive sales practices, and failing to properly determine suitability in selling an annuity product.

William C. Fields, 11143 S. Lowe Ave., Chicago, IL 60628, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to report three administrative actions taken by the state of Illinois.

Stephanie Dawn Flinchum, 419 Washington Ave. SW Apt. 2, Roanoke, VA 24018, has had her application for an insurance license denied. This action was based on allegations of a criminal conviction substantially related to insurance marketing type conduct.

Eyvonne Watts Gaither, 8851 N. Oracle Rd. #423, Oro Valley, AZ 85704, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Lisa D. Gaylord, 2450 S. Poplar Dr., Wichita, KS 67216, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Michael A. Glenn, 327 N. 26th Pl., La Crosse, WI 54601, has had his license denied for 31 days. This action was based on allegations of failing to disclose previous criminal convictions on an insurance license application.

Edwin Peterson Gorham, 8034 Talkenhorn, Converse, TX 78109, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction substantially related to insurance marketing type conduct.

Shawn P. Henderson, 1120 E. Broadway, Waukesha, WI 53186, was ordered to cease and desist all activities of an insurance intermediary and has had his license summarily suspended. This action was based on allegations of repeatedly failing to properly consider suitability in selling life insurance and annuities to seniors; repeatedly making false and misleading statements regarding the insurance business to consumers, the insurer, and to OCI; and repeatedly failing to consider the appropriateness of replacing nursing home insurance.

Glennie V. Hill, 2880 N. Menomonee River Pky., Milwaukee, WI 53222, has had her license denied for 31 days. This action was based on allegations of failing to disclose administrative action taken by the Wisconsin Department of Regulation and Licensing, Real Estate Examining Board on an insurance license application.

Lawrence E. Hines, N325 Center St., Wisconsin Dells, WI 53965, agreed to respond promptly to all inquiries from OCI and agreed to a suspension of his license for 31 days. This action was based on allegations of failing to respond promptly to inquiries from OCI.

Wendy Nichole Jenkins, 3333B Circle Brook Dr., Roanoke, VA 24014, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction substantially related to insurance marketing type conduct.

Stacy J. Kiffer, 145 14th St., Renovo, PA 17764, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction substantially related to insurance marketing type conduct.

Sharon Lehr, 167 Grove St. #F, Stamford, CT 06902, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and administrative action taken by another state.

Regina M. Martino, 7015 Rumple Rd., Charlotte, NC 28262, was ordered to pay a forfeiture of $200.00 and has had her insurance license revoked. This action was based on allegations of failing to report administrative action taken by other states and failing to report a criminal conviction. Agent Martino did not appear at the hearing or prehearing.

Jennifer Lynn Moomaw, 301 W. Dennis #55, Edmond, OK 73003, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Twila G. Morris, 91 S. Dolbow Ave. 1st Fl., Carneys Point, NJ 08069, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Dave Oakes, 5127 Overland Dr. Apt. B, Roanoke, VA 24014, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Richard T. Paetz, 7019 W. Burleigh, Milwaukee, WI 53210, was ordered to pay a forfeiture of $5,000.00 and has had his license suspended for 180 days. This action was based on allegations of failure to meet the home solicitation and disclosure requirements in violation of s. Ins 20.01, Wis. Adm. Code, failure to make necessary inquiries of the consumer to determine that the annuity he was recommending was suitable for her needs in violation of s. Ins 2.16 (6), Wis. Adm. Code, and making false or misleading statements to the consumer, affirmatively and by omission, about the insurance contract in violation of s. 628.34 (1) (a), Wis. Stat.

Donna Marie Phillips, 2604 Meadows St., Roanoke, VA 24012, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Denise Michelle Ragland, 6525 Greenway Dr. Apt. L103, Roanoke, VA 24019, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Terrence Reilly, 7815 334th Ave. SE, Fall City, WA 98024, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and administrative action taken by another state.

Jerry Conard Sandidge, 9 Country Closet Ln., Wayne, ME 04284, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose administrative action taken by the state of Mississippi on an insurance license application.

Curtis Frederick Sprung, 530 Riverhill Dr., Atlanta, GA 30328, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose administrative action taken by the state of Georgia on an insurance license application.

Anthony George Veneris, 5166 Eros Way, Colorado Springs, CO 80917, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding bankruptcy or judgment.

Pete A. Verplancken, 58 Grimes St., Roanoke, VA 24019, has had his application for an insurance license denied. This action was based on allegations of a criminal conviction substantially related to insurance marketing type conduct.

Bryant L. Williams, Morris Brown Station, P.O. Box 92251, Atlanta, GA 30314, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose administrative action taken by the state of Georgia on an insurance license application.

Allegations and Actions Against Companies

Dell Catalog Sales LP, One Dell Way, Round Rock, TX 78682, agreed to pay a forfeiture of $1,000.00 and agreed to respond promptly to inquiries from OCI. This action was based on allegations of failing to respond promptly to inquiries from OCI.

Equiguard, Inc., 800 Jorie Blvd., Oak Brook, IL 60523, agreed to pay a forfeiture of $7,000.00 and agreed to cease and desist from using forms unless and until they have been filed with and approved by the Commissioner. This action was based on allegations of using unapproved policy forms.

Essick & Barr LLC, 108 S. Fifth St., Reading, PA 19602, has had its license denied for 31 days. This action was based on allegations of failing to disclose administrative actions taken by the state of Pennsylvania against Michael A. Bove on a Business Entity insurance license application.

U S Insurance Group LLC, 835 Georgia Ave., P.O. Box 11509, Chattanooga, TN 37401, has had its application for an insurance license denied. This action was based on allegations of pending administrative action being taken by the state of Kentucky.

Copies of Administrative Actions