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

Cindy C. Alvarez, 1240 Greenway Ter. #3, Brookfield, WI 53005, has had her insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Mike E. Aubart, 726A Waldroff Farm Rd., Hudson, WI 54016, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Donald Jay Beetem, 703 N. Wisconsin St., Port Washington, WI 53074, 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 multiple criminal convictions.

Kevin G. Bertelson, 8225 W. Center Apt. 4, Milwaukee, WI 53222, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Steven W. Block, 206 N. Church St., Watertown, WI 53094, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

George H. Bratz, P.O. Box 269, Antigo, WI 54409, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Tanya D. Choice, 281 N. Thompson Dr. #8, Madison, WI 53714, agreed to a suspension of her license for 30 days. This action was based on allegations of providing incomplete and unsubmitted information in error that was used for an insurance premium quote.

Leonard Cratic Jr., 5505 W. Melvina, Milwaukee, WI 53216, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Jeffrey Clayton Daugherty, 545 E. Huron St., Omro, WI 54963, 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 and nonresponse to OCI's request for information.

Tahirou Ardell Dioury, 5450 Douglas Dr. N. #115, Crystal, MN 55429, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Lavon Draper, 6151 W. Bradley Rd. #103, Milwaukee, WI 53223, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Jack Espinosa, 3121 N. 76th St., Milwaukee, WI 53222, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Jared P. Hanson, E14225 County Rd. O, Augusta, WI 54722, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Stephen Jerome Hebert, 104 S. Main St., Fond du Lac, WI 54935, 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.

Timothy James Henry, P.O. Box 266, Lake Geneva, WI 53147, 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.

Lee R. Hill, Sr., 3438 N. 47th St., Milwaukee, WI 53216, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Carlos A. Jones, 1710 N. 28th St., Milwaukee, WI 53208, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Michael A. Knox, 2039 Dixie Dr. Ste. 2, Waukesha, WI 53189, agreed to pay a forfeiture of $250.00 and agreed to a suspension of his license for 30 days. This action was based on allegations of failing to timely forward a premium payment to the insurance company.

Thomas J. Krueger, 1317 N. High Point Rd., Middleton, WI 53562, paid a forfeiture of $250.00 and was ordered to cease and desist from violations of s. Ins 6.61, Wis. Adm. Code. This action was based on allegations of failure to report a DFI-Securities Consent Order of Prohibition and Revocation issued May 13, 2002 based on allegations that respondent sold unregistered securities.

Steven R. Kujawski, N536 Maple Dr., Campbellsport, WI 53010, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Gregory M. Kuss, 606 Farwind Ln., Green Bay, WI 54311, paid a forfeiture of $500.00 and was ordered to cease and desist from improper and misleading advertisements in the state of Wisconsin regarding senior citizens and Medicare. This action was based on allegations of using Medicare supplement insurance advertising not in compliance with the law.

William C. Lake, 1082 Western Ave., Green Bay, WI 54303, 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 arrest or conviction.

Debra R. Lamantia, A/K/A Debra R. Fogleman, 2321 81st St., Kenosha, WI 53143, has had her insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Shylo M. Mallin, 1914A Riverview Ln., Sommerset, WI 54025, 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 incomplete criminal background report on her resident application.

Lynn T. Martin, 3598 Canyon Park Rd., Dodgeville, WI 53533, has had her insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Austin E. McClendon, 5450 Lake Mendota Dr., Madison, WI 53705, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Donald R. McCreath, 909 Clarence Ct., Madison, WI 53715, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

James D. McKinney, Jr., 3756 Camelot Dr. SE 2A, Grand Rapids, MI 49546, 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 and delinquent tax obligations.

David J. Muhammad, 431 W. Gorham St. Apt. 704, Madison, WI 53703, 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 arrest or convictions.

Michael L. Niemczyk, 2841 Falling Waters Dr., Linnenhurst, IL 60046, paid a forfeiture of $250.00 and was ordered to cease and desist from violating s. Ins. 6.61, Wis. Adm. Code. This action was based on allegations of failing to report an administrative action taken by another state agency.

Alan R. Peters, 42521 Forest Ln., Antioch, IL 60002, has had his 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.

Mark Montgomery Pollard, 4001 Cramer Rd., Spencer, OK 73084, 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.

Darryl D. Riter, 24-1/2 Cottage Ave., Fond du Lac, WI 54935, 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 indebtedness or bankruptcy.

George A. Sawchuk, 461B Park Hill Dr., Pewaukee, WI 53072, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Scott F. Schuparra, 11526 W. Wisconsin Ave., Wauwatosa, WI 53226, has had his insurance license revoked. This action was based on allegations of failing to pay Wisconsin delinquent taxes due.

Michael Segal, 1040 N. Lake Shore Dr. Apt. 32A, Chicago, IL 60611, has had his license summarily suspended. This action was based on allegations of failing to report an administrative action taken by another state and a federal criminal indictment.

Alfred I. Shuaibe, 10017 N. Crown King Rd., Phoenix, AZ 85353, has had his application for an insurance license denied. This action was based on allegations of failing to disclose previous administrative action on an insurance license application and nonresponse to OCI's request for information relating to child support arrearages.

Thomas H. Sirianni, 2607 Rib Mountain Way, Wausau, WI 54401, paid a forfeiture of $250.00 and was ordered to provide OCI a complete response to information requests within 30 days and to respond promptly to OCI requests for information. This action was based on allegations of failing to respond promptly to inquiries from OCI.

John W. Snyder, 5375 Mariner Cove Dr. #105, Madison, WI 53704, was ordered to cease and desist from all agent activities and has had his license summarily suspended. This action was based on allegations of utilizing premiums for own use and not submitting applications to the insurer.

Michael Joel Spillert, 29 Nantes Rd., Parsippany, NJ 07054, has had his application for an insurance license denied. This action was based on allegations of administrative action taken by the National Association of Security Dealers.

Dean James Thur, 4325 Kennedy Dr., Racine, WI 53404, 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 arrests or convictions.

Randy G. Westover, 1517 Turnberry Cir., Oconomowoc, WI 53066, 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 misdemeanor or felony convictions.

Bruce Allan Wharton, 6115 Laurel Oak Dr., Suwanee, GA 30024, 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 nondisclosure of administrative action taken by the state of Maine.

Allegations and Actions Against Companies

American Fire and Casualty Company, 9450 Seward Rd., Fairfield, OH 45014, paid a forfeiture of $1,500.00 and was ordered to cease and desist violating s. 626.25 by failing to use the approved rating plan for worker's compensation insurance, cease and desist from violating s. 631.51 by making dividends contingent on payment of premiums, and cease and desist from violating s. 628.34 by permitting the application of refunds on one policy to be applied to premiums on another policy without the prior written approval of insured. This action was based on allegations of violation of s. 628.34(1), Wis. Stat. regarding making dividends contingent on payment of premiums, and s. 626.25 regarding failing to use an approved rating plan for worker's compensation insurance.

BCS Insurance Company, 676 N. Saint Clair St., Chicago, IL 60611, paid a forfeiture of $500.00 and was ordered to cease and desist from accepting business from intermediaries not licensed in Wisconsin. This action was based on allegations of utilizing the services of an unlicensed agent.

Catholic Workman, 1201 First St. NE, P.O. Box 47, New Prague, MN 56071, paid a forfeiture of $500.00 and was ordered to cease and desist from accepting business from an insurance intermediary unless that intermediary is properly listed with the respondent. This action was based on allegations of allowing an agent to submit applications prior to appointing the agent.

Clarendon National Insurance Company, 224 W. State St., Trenton, NJ 08608, paid a forfeiture of $1,500.00 and was ordered to cease and desist from altering the terms of policies unless proper notice has been given and the effective date of the altered terms is 60 days from the date the notice is mailed or delivered. This action was based on allegations of altering the terms of the policy and giving less than 60 days notice of the change in terms and failing to give notice of the policyholder's right to cancel.

The Connecticut Indemnity Company, P.O. Box 1000, Charlotte, NC 28201, paid a forfeiture of $1,000.00 and was ordered to cease and desist from using a rate, rating plan, classification, or expense loading for worker's compensation insurance that has not been approved by the commissioner. This action was based on allegations of worker's compensation insurance rating violations.

Fairmont Insurance Company, 777 Arnold Dr. Ste. 200, Martinez, CA 94553, paid a forfeiture of $3,000.00 and was ordered to cease and desist from sending improper notices of altered policy term or premiums in violation of s. 631.36(5), Wis. Stat. This action was based on allegations of improper notice of altered terms in violation of s. 631.36(5), Wis. Stat.

Farmers Town Mutual Insurance Company, 24884 County Hwy. A, Tomah, WI 54660, paid a forfeiture of $500.00 and was ordered to cease and desist from violating s. 631.36 (5), Wis. Stat. by altering the terms of insurance policies mid-term. This action was based on allegations of an improper mid-term alteration of an insurance policy.

Federal Insurance Company, Capital Ctr. 251 N. Illinois Ste. 1100, Indianapolis, IN 46204, paid a forfeiture of $1,000.00 and was ordered to cease and desist from violating s.631.36 (2), Wis. Stat., by canceling insurance policies midterm for underwriting reasons. This action was based on allegations of issuing an improper mid-term cancellation of an insurance policy.

GE Warranty Management Inc., Appliance Park AP6-218, Louisville, KY 40225, paid a forfeiture of $750.00 and was ordered to provide the requested information and promptly reply in writing to all requests for information from the commissioner. This action was based on allegations of failing to file a required financial statement by the due date.

Harleysville Lake States Insurance Company, 12935 SW Bay Shore Dr., Traverse City, MI 49684, paid a forfeiture of $1,272.00 and was ordered to cease and desist from assessing unapproved rates in worker's compensation business in the state of Wisconsin. This action was based on allegations of issuing an improper mid-term cancellation or nonrenewal of an insurance policy.

Hartford Insurance Company of the Midwest, 4040 Vincennes Cir. Ste. 100, Indianapolis, IN 46268, paid a forfeiture of $6,500.00 and was ordered to cease and desist from failing to mail proper notice to policyholders at least 60 days prior to the policy renewal date when increasing the premium 25% or more over the prior year policy. This action was based on allegations of issuing an improper renewal with altered terms of an insurance policy.

Indiana Lumbermens Mutual Insurance Company, 3600 Woodview Trace, Indianapolis, IN 46268, paid a forfeiture of $500.00 and was ordered to cease and desist from nonrenewing insurance policies with less than 60 days notice and violating s. Ins.21.01 (6), Wis. Adm. Code. This action was based on allegations of issuing an improper nonrenewal of a worker's compensation insurance policy.

Mechanical Breakdown Administrators Inc., 9419 E. San Salvador Ste. 105, Scottsdale, AZ 85258, paid a forfeiture of $750.00 and was ordered to provide the requested information and promptly reply in writing to all requests for information from the commissioner. This action was based on allegations of failing to file a required financial statement by the due date.

Midwest Family Mutual Insurance Company, 10601 Wayzata Blvd., Minnetonka, MN 55305, paid a forfeiture of $500.00 and was ordered to cease and desist from misrepresenting an offer of renewal by soliciting underwriting information from policyholders after the offer and to cease and desist from altering the terms of a policy after the renewal term has commenced. This action was based on allegations of issuing an improper nonrenewal of an insurance policy.

Midwest Security Life Insurance Company, 2700 Midwest Dr., Onalaska, WI 54650, agreed to pay a forfeiture of $1,750.00 and agreed to promptly respond in writing to requests for information and provide the information requested. This action was based on allegations of failing to respond promptly to inquiries from OCI.

Milwaukee Insurance Company, 400 S. Executive Dr. Ste. 200, Brookfield, WI 53005, paid a forfeiture of $4,500.00 and was ordered to cease and desist from violating s. 631.51, Wis. Stat., by failing to file dividend plans and declarations with the commissioner. This action was based on allegations of failure to file schedule of dividend distributions and failing to file worker's compensation dividend plans and declarations with the commissioner.

Mt. Morris Mutual Insurance Company, N1211 County Rd. B, Coloma, WI 54930, paid a forfeiture of $500.00 and was ordered to cease and desist from issuing improper mid-term cancellation notices. This action was based on allegations of issuing an improper mid-term cancellation of an insurance policy.

Pekin Insurance Company, 2505 Court St., Pekin, IL 61558, paid a forfeiture of $1,000.00 and was ordered to cease and desist from improperly canceling policies mid-term for underwriting reasons. This action was based on allegations of issuing an improper mid-term cancellation of an insurance policy.

Premier Dealer Services, 9449 Balboa Ave. Ste. 300, San Diego, CA 92123, paid a forfeiture of $700.00 and was ordered to cease and desist from soliciting unless and until it has obtained a limited certificate of authority to solicit a warranty plan in Wisconsin. This action was based on allegations of doing an insurance warranty plan business without proper authority.

Prudential Property and Casualty Insurance Company, 23 Main St., Holmdel, NJ 07733, paid a forfeiture of $5,000.00 and was ordered to cease and desist from the improper termination of insurance contracts in violation of s. 631.36, Wis. Stat. This action was based on allegations of issuing an improper mid-term cancellation of an insurance policy.

TIG Insurance Company, P.O. Box 152870, Irving, TX 75015, paid a forfeiture of $1,000.00 and was ordered to cease and desist from sending improper notices of altered policy term or premiums, in violation of s. 631.36 (5), Wis. Stat. This action was based on allegations of improper notice of altered terms in violation of 631.36 (5), Wis. Stat.

Transportation Insurance Company, CNA Plaza, Chicago, IL 60685, paid a forfeiture of $1,000.00 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 the insurer bases its decision to nonrenew. This action was based on allegations of issuing an improper nonrenewal of an insurance policy.

USA Tax Advisors, Inc., 8127 SR 54, New Port Richey, FL 34655, 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 by the state of Florida against Stephen R. Hand on an agency insurance license application.

Copies of Administrative Actions