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
Tyler A. Acham, 9756 Saddle Ct., Lake Worth, FL 33467, 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.
Edward M. Banks, 3581 S.W. Kromrey St., Port Saint Lucie, FL 34953, 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.
Staci Jo Bankston, P.O. Box 2421, Red Oak, TX 54154, 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.
Louise Bates, 5136 N. 54th St., Milwaukee, WI 53218, 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 and an administrative action taken by the state of Wisconsin on a licensing application.
Michael A. Belleggie, 2763 Quail Rd., Escondido, CA 92026, had his application for an insurance license denied for 31 days. 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 disclose an administrative action taken by the state of California on a licensing application.
Charles M. Benford, 4197 N. 22nd St., Milwaukee, WI 53209, had his application for an insurance license denied. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application, having unpaid civil money judgments, and failing to respond promptly to inquiries from OCI.
Krista S. Boudreaux, 4000 Fort Campbell Blvd., Ste. D3, Hopkinsville, KY 42240, had her application for an insurance license denied for 31 days. 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.
Chester R. Byrd, 13430 N. Black Canyon Hwy., Ste. 290, Phoenix, AZ 85029, 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.
Jodi S. Campbell, 1400 Ray Rd., Jacksonville, AR 72076, had her insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Richard Carter, 4308 Rainier St., Apt. 402, Irving, TX 75062, had his application for an insurance license denied. This action was taken based on allegations of failing to provide evidence of compliance with a child support order, 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.
Larry A. Clifford, 24691 New Haven Dr., Murrieta, CA 92562, 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 California on a licensing application.
Kimberly Y. Cross, 1070 4th Ave. W., Apt. 2, Monroe, WI 53566, had her 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.
Sheila M. Cruz, 102 Lakeview Ct., Tomah, WI 54660, agreed to the issuance of an insurance license with certain restrictions and reporting requirements for a period of 18 months. This action was taken based on allegations of failing to disclose a criminal conviction on a licensing application, having unpaid civil money judgments, and failing to respond promptly to inquiries from OCI.
Matthew J. Demuth, 301 N. Adams St., Ste. 200, Green Bay, WI 54301, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose criminal charges on a licensing application.
Jeffrey K. Eisenshtadt, 662 Woodward Ave., Detroit, MI 48226, had his application for an insurance license denied. This action was taken based on allegations of having an administrative action taken by another state and failing to respond promptly to inquiries from OCI.
Etavious Emanuel, 11222 Quail Roost Dr., Miami, FL 33157, had his application for an insurance license denied and he is prohibited from reapplying for licensure until May 16, 2016. These actions were 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.
Michael C. Esser, 2500 N. 124th St., Apt. 101, Milwaukee, WI 53226, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Ronald Felts, 2908 S. Caraway Rd., Ste. 100, Jonesboro, AR 72401, had his application for an insurance license denied. This action was taken based on allegations of having criminal convictions that may be substantially related to insurance marketing type conduct and failing to respond promptly to inquiries from OCI.
Mary K. Fletcher, 301 Morgan Rd., Apt. F1, Italy, TX 76651, 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 Texas on a licensing application and having a criminal conviction that may be substantially related to insurance marketing type conduct.
Adam M. Foldes, 595 S. Federal Hwy., Ste. 400, Boca Raton, FL 33432, 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.
Shunell Fregiste, 5150 Regent Blvd., Irving, TX 75063, had his application for an insurance license denied. This action was taken based on allegations of failing to provide evidence of eligibility to work in the United States and failing to respond promptly to inquiries from OCI.
David Fritz, 21957 Bug Scuffle Rd., West Fork, AR 72774, 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.
Marshayla Q. Frizell-Barnes, 1600 Aspen Commons, Ste. 600, Middleton, WI 53562, had her application for an insurance license denied. This action was taken based on allegations of having criminal convictions that may be substantially related to insurance marketing type conduct, having employment terminations for cause, and failing to respond promptly to inquiries from OCI.
Felix Garber, 7700 W. Bluemound Rd., Wauwatosa, WI 53213, 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.
Kane R. Goerke, 317 Sunset Dr., Antigo, WI 54409, had his application for an insurance license denied. This action was taken based on allegations of failing to complete required prelicensing education and failing to respond promptly to inquiries from OCI.
Lindsey Gordon, 2914 N. Main St., Upper, Racine, WI 53402, 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.
Nicole Guizar, 8334 Clairemont Mesa Blvd., Ste. 110, San Diego, CA 92111, 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.
Gregory P. Handel, 338 W. 4th St., New Richmond, WI 54017, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Charles A. Hanson, 1022 Manson St., Wausau, WI 54403, 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, having unpaid civil money judgments, and failing to respond promptly to inquiries from OCI.
Vernon Hickman, 3438 Peachtree Rd. NE, Ste. 1200, Atlanta, GA 30326, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose administrative actions taken by the states of Wisconsin and Illinois on a licensing application.
Deney R. Hofmeister, 912 Lakeview Ave., Waseca, MN 56093, 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 Minnesota on a licensing application.
William J. Holler, 5708 E. Bay Blvd., Gulf Breeze, FL 32563, had his application for an insurance license denied. This action was taken based on allegations of failing to disclose administrative actions taken by the states of Colorado and Nevada on a licensing application and failing to respond promptly to inquiries from OCI.
David Housel, 408 Golfview Ln., Amery, WI 54001, 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.
Derek A. Hughes, 219 E. Maple St., Ste. 3000, North Canton, OH 44720, 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.
Ann M. Hustad, 5023 Wooddale Ln., Edina, MN 55424, 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.
Andrew Huynh, 222 Ashford Cir., Atlanta, GA 30338, 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.
Carli Jarman, 767 W. Grand Ave., Port Washington, WI 53074, had her application for an insurance license denied. This action was taken based on allegations of failing to complete the criminal background check/fingerprinting required for licensure and failing to respond promptly to inquiries from OCI.
Zach Jepperson, 1213 Jackson St., Apt. 209, Omaha, NE 68102, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose administrative actions taken by the states of California and Virginia on a licensing application.
Amy L. Kirk, 1513 E. Henry St., Appleton, WI 54915, 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.
Andy Olivares, 544 Brockway Dr., Mukwonago, WI 53149, agreed to the denial of his licensing application for 120 days and agreed to report any new criminal, civil, or administrative charge in writing to OCI within 10 days. These actions were taken based on allegations of failing to disclose a pending criminal charge on a licensing application and failing to timely complete prelicensing education.
Paul J. Renard, 1781 Surrey Trl., Green Bay, WI 54313, had his insurance license revoked and was ordered to pay a forfeiture of $1,000.00. These actions were taken based on allegations of violating Wisconsin insurance laws by engaging in fraudulent and dishonest business practices, having a regulatory action taken by FINRA, failing to timely report the FINRA action to OCI, failing to disclose an employment termination for cause on a licensing application, and endangering the legitimate interests of consumers and the public.
Paul J. Renard, 1781 Surrey Trl., Green Bay, WI 54313, had his application for additional lines of insurance authority denied. This action was taken based on allegations of incompetence and untrustworthiness and providing incorrect, misleading, incomplete or materially untrue information on a licensing application.
Maria S. Stanard, 3100 White Tail Ln., Oshkosh, WI 54904, had her insurance license permanently revoked and was ordered to pay a forfeiture of $50,000.00. These actions were taken based on allegations of making unsuitable annuity sales recommendations, failing to report replacement transactions, falsifying insurance applications, and failing to make required disclosures during home insurance sales solicitations.
Chong Y. Thao, 2810 Irving Ave. N., Minneapolis, MN 55411, had his insurance license revoked. This action was taken based on allegations of owing delinquent Wisconsin taxes.
Michael R. Utermoehl, 20515 July Ave. N., Forest Lake, MN 55025, had his insurance license revoked for a minimum period of five years and was ordered to pay a forfeiture of $20,000.00. These actions were taken based on allegations of using misleading marketing materials, soliciting insurance on behalf of an insurer when not appointed with that insurer, representing another agent as the selling agent, and providing false information on insurance applications.
Stephen Zweig, 921 Habourn Ct., Apt. 4, Waukesha, WI 53189, 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 having unpaid civil money judgments.
Allegations and Actions Against Companies
Goodwill Financial, 579 W. North Ave., Ste. 300, Elmhurst, IL 60126, had its application for an insurance license denied. This action was taken based on allegations of having a misleading name.
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.
Rural Trust Insurance Company, 6301 Ivy Ln., Ste. 506, Greenbelt, MD 20770, was ordered to pay a forfeiture of $1,000.00. This action was taken based on allegations of failing to timely file financial information with OCI.
Safe Money Financial Group, LLC, P.O. Box 31087, Edmond, OK 73003, 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.
Strong Tower Financial LLC, 20515 July Ave. N., Forest Lake, MN 55025, had its application for an insurance license denied. This action was taken based on allegations of failing to disclose administrative actions taken by the state of Wisconsin against its owners, failing to provide evidence of equivalent resident state licensure, and failing to respond promptly to inquiries from OCI.
Copies of Administrative Actions