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. Any forfeitures paid in these administrative actions are deposited in the Common School Fund which is administered by the Board of Commissioners of Public Lands. The earnings from this fund are distributed to all public K-12 schools in Wisconsin and are used by school libraries to purchase books. 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
Nicholas Biernat, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI, failing to complete a criminal background check, and failing to apply for licensure within 30 days of completing an insurance examination.
Hannelore Bull, 2600 Dodge St., Omaha, NE 68131, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI, failing to provide evidence of resident state surplus lines licensure, and failing to provide a resident address on a licensing application.
Kristin Carver, 27600 S. Lewis Rd., Freeman, MO 64746, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and failing to provide evidence of resident state surplus lines licensure.
John Couey, 11035 County Hwy. W, Blue River, WI 53518, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and failing to complete prelicensing education before taking an insurance examination.
Rex Cruz, 1282 Concordia Ave., Saint Paul, MN 55104, had his application for an insurance license denied. This action was taken based on allegations of failing to disclose criminal convictions on a licensing application, failing to provide a complete response to inquiries from OCI, and having unpaid civil money judgments.
Katie Fallon, 1131 E. Wausau Ave., Wausau, WI 54403, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and failing to complete a criminal background check.
John Freeman, 8745 W. Cornell Ave., Apt. 1, Lakewood, CO 80227, had his insurance license revoked. This action was taken based on allegations of failing to disclose criminal convictions on a licensing application.
Timothy Greguire, 1022 Plumer St., Wausau, WI 54403, had his application for an insurance license denied. This action was taken based on allegations of failing to disclose an administrative action taken by the state of Wisconsin on a licensing application and having unpaid civil money judgments and a history of child support payment delinquency.
Chad Haley, 27269 Paula Ln., Conroe, TX 77385, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and failing to provide evidence of resident state surplus lines licensure.
Jessica Humphrey, 166 Brittain Rd., Apt. 2, Akron, OH 44305, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and having criminal convictions that may be substantially related to insurance marketing type conduct.
Jagdeep Kaur, 5611 Crestwood Pl., Madison, WI 53705, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose an administrative action taken by the state of Wisconsin on a licensing application.
Terra Koupal, 5708 S. Remington Pl., Ste. 300, Sioux Falls, SD 57108, had her application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose an administrative action taken by the state of Wisconsin on a licensing application.
Elia Lobano, 606 E. Washington St., Clinton, IL 61727, had her application for an insurance license denied. This action was taken based on allegations of failing to disclose administrative actions taken by the states of California, Florida, and Virginia on a licensing application; making material misrepresentations on a licensing application; and having a criminal conviction that may be related to insurance marketing type activities.
Jo Ellen Loewenthal, N82W7425 Pine St., Cedarburg, WI 53012, had her application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and failing to complete prelicensing education before taking an insurance examination.
David B. Lupke, 1001 W. Jefferson Blvd., Fort Wayne, IN 46802, agreed to respond promptly to inquiries from OCI, agreed to timely report any administrative action taken in any state, and agreed to pay a forfeiture of $1,000.00. These actions were taken based on allegations of failing to timely report an administrative action taken by the state of Kentucky and failing to respond promptly to inquiries from OCI.
David Malin, 1211 Pleasant Hill Rd., Stoughton, WI 53589, had his application for an insurance license denied. This action was taken based on allegations of having numerous lawsuits and unpaid civil money judgments.
Jared McDonald, 1000 18th Ave. N, Saint Petersburg, FL 33716, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI.
Joseph Sanchez, 33 Exmoor, Ottawa Hills, OH 42615, had his application for an insurance license denied for 60 days. This action was taken based on allegations of failing to report administrative actions taken by the states of Nevada and New York and a lawsuit related to violations of insurance law on a licensing application.
Allegations and Actions Against Companies
Blue Cross Blue Shield of Wisconsin, N17W24340 Riverwood Dr., Waukesha, WI 53188, agreed to pay a forfeiture of $1,500.00 and agreed to immediately cease and desist offering insurance coverage without having adequate system functionality related to service area availability. These actions were taken based on allegations that the company violated a previous OCI stipulation and order and that the company's enrollment and billing system was not correctly updated to reflect the coverage availability of a stand-alone dental product, resulting in consumer applications for the product that were neither activated nor billed.
Cd Funding Securities, LLC, 425 Walnut St., Fl. 11, Cincinnati, OH 45202, had its application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI, failing to provide evidence of resident state Managing General Agent (MGA) licensure, and failing to provide evidence of both resident and nonresident MGA business entity licensure for the designated responsible producer.
East and Ocean Associates, Inc., 11 E. Broadway, Ste. 8C, New York, NY 10038, had its application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and failing to provide evidence of resident state MGA business entity licensure.
J. J. Best Insurance Agency, Inc., 60 N. Water St., New Bedford, MA 02740, had its application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose an administrative action taken by the state of Massachusetts on a licensing application.
Reserve National Insurance Company, 601 E. Britton Rd., Oklahoma City, OK 73114, agreed to the denial of its application for an insurance license. This action was taken based on allegations of failing to provide required information on a licensing application and unnecessarily applying for licensure.
State Farm Fire and Casualty Company, One State Farm Plz., Bloomington, IL 61710, agreed to consolidate and resolve three separate OCI legal files by paying a forfeiture of $500.00, agreeing to comply with Wisconsin insurance laws related to notices of policy nonrenewal and cancellation, and agreeing not to employ agents having expired insurance licenses. These actions were taken based on allegations of failing to provide proper notification of policy nonrenewals and cancellations and employing an unlicensed insurance agent.
Valley Title Services of the Fox Valley, LLC, 303 S. Bluemound Dr., Appleton, WI 54914, had its application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI and being involved in an administrative proceeding regarding professional licensure or registration.
WEA Insurance Corporation, 45 Nob Hill Rd., Madison, WI 53707, agreed to cease and desist from marketing small employer group health insurance products before submitting the proper rate filing to OCI, and agreed to submit a signed affidavit affirming that it has not issued any new coverage to small employers in the current calendar year. These actions were taken based on allegations of failing to timely submit a required rate filing.
Copies of Administrative Actions