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.

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

Todd M. Deruyter, 649 Beetown Rd., Lancaster, WI 53813, 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.

Erik Graupner, 277 Wheeler St. N. #277, St. Paul, MN 55104, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI relating to criminal arrests or convictions.

Mari Beth Hamdi, 109 E. 26th St. #1, Minneapolis, MN 55404, 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 criminal convictions and judgment rendered or bankruptcy.

Lagail Lanora Hurt, 2228 N. 49th St., Milwaukee, WI 53208, 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 criminal convictions.

Thomas N. Inks, 1127 Adelia St., Downers Grove, IL 60516, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI relating to criminal convictions.

Lavonda Renea Jeffries, 3190 Santiago Dr. Apt. P, Florissant, MO 63033, 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 overdue monies or bankruptcy. Ms. Jeffries did not appear at the hearing or prehearing.

Jeffrey Johnson, 302 11th St. S., Moorhead, MN 56560, agreed to pay a forfeiture of $250.00 and agreed to respond promptly in writing to all inquiries from OCI. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding criminal arrest or conviction.

Howard Douglas Jones, 326 N. County Rd. 450 E., Avon, IN 46123, has had his license denied for 31 days. This action was based on allegations of failing to disclose administrative actions taken by the state of Indiana on an insurance license application.

Tammy J. Klein, 3140 Sheridan Rd., Dubuque, IA 52001, was ordered to cease and desist from doing an insurance business with a Wisconsin resident unless properly licensed in Wisconsin and listed with the insurance company. This action was based on allegations of doing an insurance business without proper authority.

Sean Michael Koehler, 6501 Yale Apt. 920, Westland, MI 48185, 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 two administrative actions taken by the state of Wisconsin on an insurance license application.

Joseph A. Kosner, 149 S. Lincolnway, North Aurora, IL 60506, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI relating child support arrearages.

Joann Annette Kowal, 34501 Calle Las Palmas, Cathedral City, CA 92234, has had her application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI relating to judgment rendered or bankruptcy.

Charles K. Krombach, 17160 Oak Park Row, P.O. Box 364, Brookfield, WI 53005, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Todd R. Link, 1231 N. First St., Wausau, WI 54401, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Lloyd J. Luttrell, 5131 W. North Ave. Apt. 1, Milwaukee, WI 53208, 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 criminal convictions and child support arrearages.

Ronnie McKenzie, 1067 Park Hill Cir., Aurora, IL 60504, 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 child support arrearages.

Jeff Glen Miller, 739 Northshore Dr., Detroit Lakes, MN 56501, 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 judgment or bankruptcy.

Kevin J. Molstad, 720 S. 8th St., La Crosse, WI 54601, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Conrad L. Parde, 2801 Manse Ave., Lincoln, NE 68502, 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 Wisconsin on an insurance license application.

Timothy J. Regan, 2107 Riverside Dr., Kaukauna, WI 54130, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Kelly D. Richardson, 3040 W. Spencer St. Apt. J132, Appleton, WI 54914, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI relating to criminal convictions.

Carl L. Rykard, 923 E. Mt. Pleasant Ave., Philadelphia, PA 19150, 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 child support arrearage.

Timothy John Saffell, 5033 Los Morros Way Apt. 38, Oceanside, CA 92057, has had his license denied for 31 days. This action was based on allegations of failing to disclose administrative actions taken by the state of Washington on an insurance license application.

John T. Selzer, 1600 W. Vogel Ave., Milwaukee, WI 53221, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

John W. Snyder, 5375 Mariner's Cove #105, Madison, WI 53704, was ordered to pay a forfeiture of $10,000.00, was ordered to make restitution for all monies and amounts owed to certain individuals, and has had his insurance license revoked. This action was based on allegations of utilizing premiums and refunds for own use, failing to pay judgments due, and not responding to inquiries from OCI. Agent Snyder did not appear at the hearing.

Gerald Joseph Stock, 1010 Dewey St., Manitowoc, WI 54220, 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 criminal charges and for administrative action taken by the Securities and Exchange Commission.

Harry I. Taylor, 2265 Glenview Dr., Lansdale, PA 19446, 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 Jersey on an insurance license application.

David Hays Venable, 4021 Hecktown Rd., Bethlehem, PA 18020, agreed to pay a forfeiture of $250.00 and agreed to respond promptly in writing to requests from OCI. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding child support arrearages.

Joseph Anthony Vendemia, 107 Wenatchee Way, Poplar Grove, IL 61066, has had his license denied for 31 days. This action was based on allegations of failing to disclose administrative actions taken by the states of Illinois and Florida on an insurance license application.

Rick R. Wilbur, 1443 S. 56th St., Milwaukee, WI 53214, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI relating to criminal convictions.

James E. Williams, 1522 W. Concordia, Milwaukee, WI 53206, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Karel Anne Williamson, 1291 Bradford Dr., Coppell, TX 75019, has had her license denied for 31 days. This action was based on allegations of failing to disclose administrative action taken by the state of Texas on an insurance license application.

David R. Yonke, 1512 Clermont, Antigo, WI 54409, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Jennifer M. Zickau, 1908 Woodburn Rd., Waukesha, WI 53188, paid a forfeiture of $250.00 and was ordered to respond promptly in writing to all inquiries from OCI. This action was based on allegations of failing to respond promptly to inquiries from OCI regarding a criminal conviction.

Allegations and Actions Against Companies

Auto-Owners Insurance Company, P.O. Box 30660, Lansing, MI 48909, paid a forfeiture of $5,000.00 and was ordered to cease and desist from violating s. 631.36 (4) (m) and 631.36 (7), Wis. Stat., by sending improper nonrenewal notices for worker's compensation policies. This action was based on allegations of issuing an improper nonrenewal of an insurance policy.

Automobile Protection Corporation-APCO, 6010 Atlantic Blvd., Norcross, GA 30071, paid a forfeiture of $20,000.00 and was ordered to cease and desist accepting new warranty business until it complies with the requirements. This action was based on allegations of doing a warranty insurance business without proper authority.

Electric Insurance Company, 75 Sam Fonzo Dr., Beverly, MA 01915, paid a forfeiture of $1,000.00 and was ordered to cease and desist from not including a statement of the policyholder's right to cancel on nonrenewal notices in cases where the renewal premium increases 25% or more and the notice is mailed to the policyholder less than 60 days prior to the renewal date. This action was based on allegations of violation of s. 631.36 (5) (a), Wis. Stat.

General Casualty Company of Wisconsin, One General Dr., Sun Prairie, WI 53596, paid a forfeiture of $1,000.00 and was ordered to provide the requested information and promptly reply in writing to all future requests. This action was based on allegations of failing to respond promptly to inquiries from OCI.

IDS Property Casualty Insurance Company, 3500 Packerland Dr., DePere, WI 54115, paid a forfeiture of $2,500.00 and was ordered to cease and desist from altering the terms of a policy or increasing the premium 25% or more without giving proper notice prior to the renewal date. This action was based on allegations of issuing an improper notice of altered policy terms and premium increase of an insurance policy.

Nationwide Mutual Insurance Company, One Nationwide Plaza, Columbus, OH 43215, was ordered to cease and desist from accepting Wisconsin insurance business from an unauthorized and unlisted agent. This action was based on allegations of allowing an agent to submit applications prior to appointing the agent.

Structured Financial Associates, Inc., 330 N. Charles St., Baltimore, MD 21201, has had its license denied for 31 days. This action was based on allegations of failing to disclose administrative action taken by the state of California against Dennis C. Sarni on a business entity insurance license application.

Copies of Administrative Actions