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
Rebecca B. Adams, 6301 Brookhaven Tr., Arlington, TX 76001, had her 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 failing to respond promptly to inquiries from OCI.
Whitney Berthiaume, 5760 Wild Rose Ln., Eau Claire, WI 54701, had her application for an insurance license denied. This action was taken based on allegations of failing to complete prelicensing education and failing to respond promptly to inquiries from OCI.
Beata Brandt, 4509 W. Morgan Ave., Greenfield, WI 53220, had her application for an insurance license denied. This action was taken based on allegations of failing to complete required prelicensing education, examination, and background/fingerprint check, and failing to respond promptly to inquiries from OCI.
David E. Caudill, 2005 Wagon Gap Dr., Round Rock, TX 78681, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent child support and failing to respond to inquiries from OCI.
Juan A. Cobos, 3700 S. Stonebridge Dr., McKinney, TX 75070, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent child support and failing to respond promptly to inquiries from OCI.
Regina L. Ellis, 5151 Village Fair Dr., Apt. 12103, Dallas, TX 75224, had her application for an insurance license denied. This action was taken based on allegations of owing delinquent child support and failing to respond promptly to inquiries from OCI.
Nathan E. Erickson, 6942 Old Amsterdam Way, Deforest, WI 53532, had his application for an insurance license denied. This action was taken based on allegations of failing to complete the required fingerprint/background check and failing to respond promptly to inquiries from OCI.
Charles Flagg, 2849 Harson Way, Fort Pierce, FL 34946, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent child support, failing to provide employment history on an application, and failing to respond promptly to inquiries from OCI.
Joseph Flores, 502 S. Magnolia Ave., Yuma, AZ 85364, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent child support and failing to respond promptly to inquiries from OCI.
Jennifer Foster, 2202 E. Pratt St., Baltimore, MD 21231, had her 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 failing to respond promptly to inquiries from OCI.
Shunell Fregiste, 5150 Regent Blvd., Irving, TX 75063, 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.
David E. Gilliam, 4024 S. Austin St., Milwaukee, WI 53207, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application.
Joshua L. Gottlieb, 15300 Suffolk Ln., Russell Township, OH 44022, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent state and federal taxes, failing to disclose tax delinquencies on a licensing application, being involved in lawsuits, and failing to respond promptly to inquiries from OCI.
Jill A. Gray, 1326 Scheuring Rd., Apt. 2, De Pere, WI 54115, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Thomas J. Harris, 7715 W. Briarwood Dr., Franklin, WI 53132, had his application for an insurance license denied. This action was taken based on allegations of failing to retake an insurance examination and failing to respond promptly to inquiries from OCI.
Rebecca A. Hawkins, 3317 E. Ramsey Ave., Cudahy, WI 53110, had her application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application.
Stephanie E. Henckel, 926 First St., Stevens Point, WI 54481, had her application for an insurance license denied. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application and having a criminal conviction that may be substantially related to insurance marketing type conduct.
John Hill, 1374 Olden Ave. N.W., Palm Bay, FL 32907, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent child support and failing to respond promptly to inquiries from OCI.
Quentin M. Hoye, 4357 Wayne Ave., Philadelphia, PA 19140, 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 failing to respond promptly to inquiries from OCI.
Tiffani L. Jahnke, 407 Janesville Ave., Fort Atkinson, WI 53538, agreed to the 31-day denial of her licensing application and agreed to certain reporting requirements. These actions were taken based on allegations of failing to disclose a criminal charge on a licensing application and having unpaid court costs.
Jon Janaka, 5719 Merlin St., Fitchburg, WI 53711, had his application for an insurance license denied. This action was taken based on allegations of having unpaid civil money judgments and failing to respond promptly to inquiries from OCI.
Jeremy R. Johnson, 2762 Sun Rise Ln., Grand Prairie, TX 75052, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent child support and failing to respond promptly to inquiries from OCI.
Kamal D. Khoury, 145 Oyster Bay Cir., Apt. 110, Altamonte Springs, FL 32701, 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 failing to respond promptly to inquiries from OCI.
Mark Kimbrough, 2402 Wildwood Ave., Ste. 200, Sherwood, AR 72120, had his application for an insurance license denied. This action was taken based on allegations of having a criminal conviction that may be substantially related to insurance marketing type conduct and failing to respond promptly to inquiries from OCI.
Lois P. King, 18450 Rutherford St., Detroit, MI 48235, had her application for an insurance license denied. This action was taken based on allegations of being involved in a lawsuit alleging fraud, misrepresentation, misappropriation or breach of fiduciary duty and failing to respond promptly to inquiries from OCI.
Rebecca Kitelinger, W15914 Thompson Ln., Osseo, WI 54758, had her application for an insurance license denied. This action was taken based on allegations of failing to complete prelicensing education and failing to respond promptly to inquiries from OCI.
Erin Klein, 415 Priscilla Ln., Bloomington, IL 61704, had her 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 failing to respond promptly to inquiries from OCI.
Louise E. Ladd, 10304 Premia Pl., Las Vegas, NV 89135, had her application for an insurance license denied for 60 days. This action was taken based on allegations of failing to disclose information on a licensing application, failing to timely report administrative actions while licensed, and failing to respond promptly to inquiries from OCI.
Mark L. Lingofelt, 4570 Spring Canyon Heights, Apt. 308, Colorado Springs, CO 80907, had his application for an insurance license denied. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Holly A. McKay, 27803 Rota, Mission Viejo, CA 92692, had her application for an insurance license denied. This action was taken based on allegations of failing to provide evidence of equivalent resident state licensure and failing to respond promptly to inquiries from OCI.
Eliseo Rosario, Jr., 1380 S. Babcock St., Melbourne, FL 32901, had his application for an insurance license denied. This action was taken based on allegations of failing to provide evidence of equivalent resident state licensure and failing to respond promptly to inquiries from OCI.
Marc D. L. Steffens, 17025 W. Lisbon Rd., Brookfield, WI 53005, had his application for an insurance license denied for 30 days. This action was taken based on allegations of failing to disclose a delinquent tax obligation on a licensing application.
Allegations and Actions Against Companies
Applied Risk Services, Inc., and Continental Indemnity Company, 10805 Old Mill Rd., Omaha, NE 68154, agreed to pay a forfeiture of $140,000.00 and agreed to cease and desist marketing, binding, issuing, and renewing certain worker's compensation policies. These actions were taken based on allegations of violating a previous stipulation and order related to renewing insurance products not in compliance with Wisconsin laws.
Coverys Insurance Services, Inc., 3100 West Rd., Ste. 200, East Lansing, MI 48823, 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 South Dakota on a licensing application.
Invida Financial Network, LLC, P.O. Box 742852, Boynton Beach, FL 33474, had its application for an insurance license denied. This action was taken based on allegations of failing to provide evidence of equivalent resident state licensure and failing to respond promptly to inquiries from OCI.
Wisconsin Counties Association, 22 E. Mifflin St., Madison, WI 53703, agreed to pay a forfeiture of $10,000.00 and agreed to revise its participation agreement and marketing materials to clarify that the Group Health Trust is a not a licensed insurer. These actions were taken based on allegations of misleading marketing practices.
Copies of Administrative Actions