Madison, Wis. — The Office of the Commissioner of Insurance (OCI) is responsible for administering and enforcing the insurance laws of Wisconsin. This includes monitoring the financial and marketing practices of individuals and companies. Each month, OCI publishes the administrative actions it has taken against these entities. The actions are issued by OCI when licensing applicants, or licensed individuals or companies have violated Wisconsin insurance statutes or regulations. In some cases, the individual or company denied the stated allegations but consented to the action taken. OCI strives to ensure fair and honest business practices to protect Wisconsin insurance consumers through this type of transparency. Copies of the administrative orders may be viewed online at
ociaccess.oci.wi.gov/OrderInfo/OrdInfo.oci.
Any forfeitures paid are deposited in Wisconsin's Common School Fund administered by the Board of Commissioners of Public Lands. Earnings from the Fund are distributed to all public K-12 schools in the state and are used by school libraries to purchase materials such as books, newspapers, and computers.
If you have a question or complaint regarding an insurance company or agent you can use the online complaint form on our website,
oci.wi.gov, or contact OCI at 1-800-236-8517.
Allegations and Actions Against Agents
Nicholas C. Andrew, 4580 PGA Blvd., Ste. 209, Palm Beach Gardens, FL 33418, agreed to the permanent revocation of his insurance license. This action was taken based on allegations of failing to timely report and disclose administrative actions taken by the states of Delaware, Louisiana, California, Washington, and Louisiana.
Jeremy J.B. Bryant, 4711 Balley Shannon Dr., Mableton, GA 30126, had his application for an insurance license denied. This action was taken based on allegations of having a probationary license in his resident state, having a history of administrative actions, and having a criminal conviction that may be substantially related to insurance marketing type conduct.
Erika Castaneda, 2690 Theatre Rd., Williams Bay, WI 53191, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Jake Demots, 160 N 70th St., Milwaukee, WI 53213, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Charmania A. Frazier, 211 15th Ave. SE, Rochester, MN 55904, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
David Gartley, 2821 Ashland Ave., Racine, WI 53403, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Larry A. Golden, 711 Alexander St., Killeen, TX 76541, was ordered to pay a forfeiture of $500.00. This action was taken for failing to timely report administrative actions taken by the states of Florida and California.
Seng Hang, 640 S 24th St., Manitowoc, WI 54220, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Nicole M. Hoier Everson, N3076 County Rd. F, Pulaski, WI 54162, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Teddie Jones, Jr., 4333 N Oakland Ave., Apt. 106, Shorewood, WI 53211, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Thomas A. Kilps, 309 S Blount St., Apt. 514, Madison, WI 53703, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Kaylee Knutson, 147 13 1/2 St., Ridgeland, WI 54763, agreed to the surrender of her Wisconsin insurance license. This action was taken based on allegations of misrepresentations.
Beth A. Kratwell, 117 S 7th Ave., Wausau, WI 54401, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Michael J. Larson, 3811 Lake Park Rd., Ashland, WI 54806, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Richard J. Olsen, N6107 County Rd. U, Glenbeulah, WI 53023, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Gretchen Paape, 1808 Jackson St., Bloomer, WI 54724, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Santana R. Robinson, 6158 W Spencer Pl., Milwaukee, WI 53218, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Laurisha P. Rosario, 1222 Oak St., Beloit, WI 53511, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Jynelsa Ruiz Velazquez, 2540 S 19th St., Milwaukee, WI 53215, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Xavier J. Sanders, 3022 N 59th St., Milwaukee, WI 53210, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Natasha Schwingle, 3748 N 15th St., Milwaukee, WI 53206, had her application for an insurance license denied. This action was taken based on allegations of failing to disclose an insurer lawsuit on a licensing application.
Robert C. Starnes, 2570 N 63rd St., Milwaukee, WI 53213, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Joseph M. Tenuta, 303 E Wacker Dr., Ste. 2840, Chicago, IL 60601, was ordered to pay a forfeiture of $500.00. This action was taken for failing to disclose, in his license renewal application, an administrative action taken by another state.
Ashley A. Toberman, 413 E Beloit St., Orfordville, WI 53576, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Marissa N. Walker, PO Box 1974, Hampton, GA 30228, 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 Georgia, Louisiana, and North Carolina on a licensing application; failing to disclose criminal convictions on a licensing application; violating the terms of a previous warning letter; and providing substantially misrepresentations on a licensing application.
Brian Xiong, 3505 Owasso St., Apt. 210, Shoreview, MN 55126, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Allegations and Actions Against Companies
Automated Benefit Services, Inc., 8220 Irving Rd., Sterling Heights, MI 48312, was ordered to pay a forfeiture of $500.00. This action was taken based on allegations of failing to timely report and disclose administrative actions taken by the State of Nevada.
Healthcare Solutions, LLC, 2232 Dell Range Blvd., Ste. 317, Cheyenne, WY 82009, had its insurance license revoked. This action was taken based on failing to have an intermediary firm license in its resident state; failing to name, update, and notify the Commissioner of changes to the Wisconsin Designated Responsible Insurance Producer (DRLP); and failing to timely report and disclose administrative actions taken by the states of Arizona, Missouri, and Utah.
Pie Insurance Services, Inc., 1755 Blake St., 5th Fl., Denver, CO 80202, agreed to include a disclaimer on its website related to its advertising claim that customers can "save up to 30%." This action was taken based on allegations of misleading advertising claims.
Allegations and Actions Against Other Entities
Concord Auto Protect, 1150 1st Ave., Ste. 501, King of Prussia, PA 19406, was ordered to pay a forfeiture of $1,000.00. This action was taken for failing to respond promptly to inquiries from OCI, and failing to file its contract form for approval by the Commissioner.