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

Madison, WI - Commissioner of Insurance Connie L. O'Connell reports that 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

Patrick J. Bulman, 310 Rose Ct., Horicon, WI 53032, agreed to a revocation of his insurance license. This action was based on allegations of utilizing premiums for his own use and not submitting applications to the insurer.

Matthew A. Chromey, 2412 Pine Ridge Rd. Apt. 6, Eau Claire, WI 54701, has had his application for an insurance license denied. This action was based on allegations of failing to disclose previous criminal convictions on an insurance license application and conviction of crime substantially related to insurance marketing type activities.

Jeffrey P. Couper, 127 S. Stephenson Ave., Iron Mountain, MI 49801, paid a forfeiture of $500.00 and has had his license suspended for 60 days. This action was based on allegations of failure to report a Michigan administrative action based on utilizing premiums for his own use and failing to submit premiums to the insurer.

Darline Easter, 235 Beaver Creek Dr., Bolingbrook, IL 60490, has had her application for an insurance license denied for 31 days. This action was based on allegations of failing to disclose administrative action taken by the state of Illinois on an insurance license application.

Ross Sean Freedman, 5505 Royce Dr., Duluth, MN 30097, has had his application for an insurance license denied for 31 days. This action was based on allegations of failing to report administrative actions taken by the state of Georgia on an insurance license application.

Harvey J. Goldstein, 230 W. Suburban Ct., Milwaukee, WI 53217, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

David H. Janson, 4202 Summerfield Rd., Champaign, IL 61822, has had his application for an insurance license denied. This action was based on allegations of administrative action taken by the United States Commodity Futures Brokers.

Sally Muholland, 952 S. 56th St., Milwaukee, WI 53214, has had her insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Joseph P. Perry, 6179 Marshview Ct., Hartford, WI 53027, paid a forfeiture of $4,000.00 jointly with FHK Corporation and was ordered to cease and desist from referencing the Senior Care prescription drug program in any and all solicitations, including telemarketing and direct mail, and shall clearly identify the agency for which he works by name and state that the purpose of the solicitation is to sell insurance, including the product to be solicited. This action was based on allegations of using telemarketers and other representatives who failed to indicate that insurance would be solicited, made misleading references to a government program, Senior Care, and misrepresented that OCI had approved the telemarketing script.

Penny C. Reiss, N5904 Pioneer Rd., Plymouth, WI 53073, has had her insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Teresa A. Tanking, 6327 27th Ave., Kenosha, WI 53143, 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 and her Huber privileges having been revoked.

Allegations and Actions Against Companies

American Investors Life Insurance Company, Inc., 555 S. Kansas Ave., Topeka, KS 66601, was ordered to accept business only from a properly appointed agent and to properly represent information to insureds regarding its products. This action was based on allegations of accepting business from an unappointed agent who misstated terms of an annuity, omitted material information, and converted a policy without consent.

Benmark, Inc., 1100 Circle 75 Pky. Ste. 320, Atlanta, GA 30339, has had its application for an insurance license denied for 31 days. This action was based on allegations of failing to disclose administrative action taken against Stephen D. Whipple by the state of South Dakota on an insurance license application.

Compcare Health Services Insurance Corp., 20855 Watertown Rd. Ste. 140, Waukesha, WI 53186, paid a forfeiture of $500.00. This action was based on allegations of failing to comply with a previous examination order.

Eldorado Claims Services, Inc., 5353 N. 16th St. #100, Phoenix, AZ 85016, paid a forfeiture of $500.00 and was ordered to provide the information requested within ten days and promptly reply in writing to all future requests from the commissioner. This action was based on allegations of failing to respond promptly to inquiries from OCI.

FHK Corporation, 5990 N. Green Bay Ave., Milwaukee, WI 53209, paid a forfeiture of $4,000.00 jointly with Joseph Perry and was ordered to cease and desist from referencing the Senior Care prescription drug program in any and all solicitations, including telemarketing and direct mail, and shall clearly identify the agency by name and state that the purpose of the solicitation is to sell insurance, including the product to be solicited. This action was based on allegations of using telemarketers and other representatives who failed to indicate that insurance would be solicited, made misleading references to a government program, Senior Care, and misrepresented that OCI had approved the telemarketing script.

Fidelity and Guaranty Life Insurance Company, 1001 Fleet St. 7th Fl., Baltimore, MD 21202, paid a forfeiture of $500.00 and was ordered to comply with s. Ins 25.30 (1), Wis. Stat. and demonstrate what corrective action has been taken. This action was based on allegations of disclosure of an insured's nonpublic financial information.

Frascona Buick, 11221 W. Burleigh St., Wauwatosa, WI 53222, paid a forfeiture of $500.00 and was ordered to cease and desist from soliciting and submitting insurance applications for Wisconsin residents until the dealership has a properly licensed agent employed. This action was based on allegations of doing an insurance business without proper authority.

Lincoln Benefit Life Company, P.O. Box 80469, Lincoln, NE 68501, paid a forfeiture of $5,000.00 and was ordered to provide the requested information and in the future to promptly reply in writing to all requests. This action was based on allegations of failing to respond promptly to inquiries from OCI.

National Union Fire Insurance Company of Pittsburgh, 70 Pine St., New York, NY 10270, paid a forfeiture of $500.00 and was ordered to provide the requested information and reply promptly in writing to all requests from the commissioner. This action was based on allegations of failing to respond promptly to inquiries from OCI.

National Union Fire Insurance Company of Pittsburgh, 70 Pine St., New York, NY 10270, paid a forfeiture of $1,500.00 and was ordered to provide the requested information and reply promptly in writing to all future requests. This action was based on allegations of failing to respond promptly to inquiries from OCI.

National Union Fire Insurance Company of Pittsburgh, 70 Pine St., New York, NY 10270, paid a forfeiture of $1,000.00 and was ordered to provide the requested information and reply promptly in writing to all future requests. This action was based on allegations of failing to respond promptly to inquiries from OCI.

North Central Life Insurance Company, 1000 Woodfield Rd, Schaumburg, IL 60173, paid a forfeiture of $500.00 and was ordered to cease and desist from utilizing the services of an intermediary agent who is not properly licensed. This action was based on allegations of utilizing the services of an unlicensed agent.

Pre-Paid Legal Casualty, Inc., P.O. Box 145, Ada, OK 74820, paid a forfeiture of $500.00 and was ordered to cease and desist from utilizing the services of an intermediary agent for types of insurance that the agent is not authorized to solicit. This action was based on allegations of allowing an agent to submit applications for types of insurance that the agent was not authorized to solicit.

Progressive Halcyon Insurance Company, 6300 Wilson Mills Rd. #W33, Mayfield, OH 44143, paid a forfeiture of $3,500.00 and was ordered to provide the information requested and in the future promptly reply in writing. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to comply promptly with an order issued.

Protective Life Insurance Company, P.O. Box 2606, Birmingham, AL 35223, paid a forfeiture of $500.00 and was ordered to cease and desist from using the services of an intermediary agent who is not properly listed. This action was based on allegations of allowing an agent to submit applications prior to appointing the agent.

Western Diversified Life Insurance Company, P.O. Box 770, Deerfield, IL 60015, paid a forfeiture of $500.00 and was ordered to cease and desist from utilizing the services of an intermediary agent who is not properly listed. This action was based on allegations of allowing an agent to submit applications prior to appointing the agent.

Wisconsin A.U.L. Inc., 1325 Imola Ave. W. PMB 318, Napa, CA 94559, paid a forfeiture of $500.00. This action was based on allegations of failing to file a required financial statement by the due date.

Copies of Administrative Actions