For more information, contact: Robert Luck, Consumer Attorney,
Phone: (608) 266-0082,
E-mail: robert.luck@wisconsin.gov

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

Frederic Wayne Beede, W24 County Rd. F, P.O. Box 250, Pewaukee, WI 53019, has had his license denied for 31 days. This action was based on allegations of failing to disclose a previous administrative action taken by the state of Wisconsin on an insurance license application.

Gerald Dale Beranek, 27010 Longwood Ln., Lone Rock, WI 53556, has had his application for an insurance license denied. This action was based on allegations of failing to disclose previous criminal convictions on an insurance license application, having a criminal conviction which may be substantially related to insurance marketing type conduct, failing to pay worker's compensation penalty warrants, and failing to pay Wisconsin delinquent taxes due.

Taylor Wilson Bridgman, 1516 20th St. NW, Canton, OH 44709, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction which may be substantially related to insurance marketing type conduct.

Billie Jo Casa Decalvo, 1616 Stonepine Bay, Hudson, WI 54016, has had her insurance license revoked and was ordered to never reapply for an insurance intermediary license. This action was based on allegations of failing to remit premiums for property and casualty insurance products between January 2006 and October 2007, misrepresenting and falsifying insurance coverage for additional cargo coverage, and misrepresenting and falsifying insurance coverage for auto insurance documents.

Mark R. Cummisford, 6980 S. Crane Dr., Oak Creek, WI 53154, has had his license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Wisconsin, Department of Regulation and Licensing, Real Estate Examining Board, on an insurance license application.

Dragan Djordjevic, 1715 Oakwood Rd., Northbrook, IL 60062, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose an administrative action taken by the state of South Dakota on an insurance license application.

James Carl Faustmann, 136 N. Humphrey Ave. #15, Oak Park, IL 60302, has had his license denied for 31 days. This action was based on allegations of failing to disclose a previous administrative action taken by the state of Wisconsin on an insurance license application.

Todd C. Grove, 30 Crestwood Rd., Cumberland Center, ME 04021, has had his license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Maine on an insurance license application.

Pete Turner Gunn, 211 Country Club Ln., Benton, KY 42025, has had his license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Kentucky on an insurance license application.

Doreen L. Hudon, 23408 81st Pl., Salem, WI 53168, has had her license denied for 31 days. This action was based on allegations of failing to disclose a previous criminal conviction on an insurance license application.

Robert J. Hynes, 1528 Crimson Ln. Apt. 2B, Palatine, IL 60031, has had his license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Illinois on an insurance license application.

Andrea M. Kempen (Palas), 1299 Mary Ln., Eau Claire, WI 54703, agreed to respond promptly to all inquires from OCI and agreed to surrender her insurance agent's license. This action was based on allegations of failing to respond promptly to inquiries from OCI.

Kevin Gary Klug, N4988 Advent Rd., De Pere, WI 54115, agreed to pay a forfeiture of $2,500.00 and agreed to pay restitution to the consumers involved in the case for losses they incurred. Klug also agreed to submit quarterly reports to OCI regarding the suitability of his annuity sales for one year, to attend continuing education classes pertaining to seniors and annuity sales, and to comply with Wisconsin insurance laws. This action was based on allegations of making false and misleading communications to consumers regarding the sale of annuities and making unsuitable recommendations that consumers purchase annuities.

Lucas Gary Larson, 1609 Tenth St. E, Menomonie, WI 54751, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and a criminal conviction which may be substantially related to insurance marketing type conduct.

Robert Vaughn Lester, 5050 N. 40th St. #100, Phoenix, AZ 85018, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose an administrative action taken by the state of Nevada on an insurance license application.

Michael M. Lockwood, 5542 W. Leland Ave., Chicago, IL 60630, has had his license denied for 31 days. This action was based on allegations of failing to disclose a previous administrative action taken by the state of Wisconsin on an insurance license application.

Timothy Patrick McAvoy, 7090 Leeward St., Carlsbad, CA 92011, agreed to pay a forfeiture of $250.00 and agreed to respond promptly to all inquires from the Commissioner. This action was based on allegations of failing to respond promptly to inquiries from OCI.

Christopher Andrew Nash, 210 Acorn Ln., Somerset, WI 54025, has had his application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose a previous criminal conviction on an insurance license application.

Mark J. O'Leary, 44 Hickory Corner Rd., Milford, NJ 08848, has had his license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Florida on an insurance license application.

Mary L. Reid, 4265 N. 48th St., Milwaukee, WI 53216, was ordered to cease and desist from issuing insufficient fund checks from any account related to the business of insurance. This action was based on allegations of issuing an insufficient funds check to an insurer.

Jacy Jeffrey Ryan, 2660 Babcock Rd., Green Bay, WI 54313, has had his license denied for 31 days. This action was based on allegations of failing to disclose a previous criminal conviction on an insurance license application.

Daniel Drew Straughan, 3184 Newcastle Dr., Mobile, AL 36695, has had his license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Alabama on an insurance license application.

Gilbert James Verdin, 6353 N. 103rd St., Milwaukee, WI 53225, has had his license denied for 31 days. This action was based on allegations of failing to disclose a previous criminal conviction on an insurance license application.

Allegations and Actions Against Companies

Financial Pacific Insurance Company, 3850 Atherton Rd., Rocklin, CA 95765, agreed to pay a forfeiture of $2,000.00, agreed to cease and desist from issuing improper nonrenewal notices, agreed to cease and desist from improper midterm cancellations, and agreed to include the effective date and time for all nonrenewal notices. This action was based on allegations of issuing an improper nonrenewal of an insurance policy.

Humana Insurance Company, 1100 Employers Blvd., Green Bay, WI 54115, paid a forfeiture of $750,000.00, agreed to comply with market conduct examination report recommendations, and agreed to comply with Wisconsin insurance laws. See the individual press release at http://oci.wi.gov/pressrel/0908humana.htm for details.

Malloy Imrie & Vasconi Insurance Services, LLC, 899 Adams St., P.O. Box 725, St. Helena, CA 94574, has had its license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Florida on an insurance license application.

Premium Title Group, LLC, S142 McKay Ave., P.O. Box 188, Spring Valley, WI 54767, has had its license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Florida on an insurance license application.

Rural Mutual Insurance Company, 1241 John Q. Hammons Dr. Ste. 200, Madison, WI 53717, paid a forfeiture of $1,000.00, was ordered to cease and desist from issuing notices of cancellation which do not state with reasonable precision the facts upon which the insurer's decision is based, and to cease and desist from midterm cancellation of insurance policies without permissible grounds. This action was based on allegations of issuing an improper midterm cancellation or nonrenewal of an insurance policy.

Security Insurance Agency, Inc., 131 E. Wisconsin Ave. Ste. 102, Pewaukee, WI 53072, has had its license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Arizona against Frank Kaylor on a business entity license application.

Seneca, Sigel Mutual Insurance Company, P.O. Box 27, Vesper, WI 54489, paid a forfeiture of $500.00 and was ordered to cease and desist from issuing improper midterm cancellations. This action was based on allegations of issuing an improper midterm cancellation of an insurance policy.

Service Contract Solutions NA, LLC, 4550 River Green Pky. Ste. 220, Duluth, GA 30096, agreed to pay a forfeiture of $15,500.00 and agreed to cease and desist from acting as a warranty plan administrator unless and until it has obtained authority to do so. This action was based on allegations of acting as an insurance business without proper authority.

Signal Service Solutions, LLC, 151 S. Warner Rd. Ste. 200, Wayne, PA 19087, agreed to pay a forfeiture of $50,000.00 and agreed to use only contract forms approved by OCI. This action was based on allegations of conducting an insurance business without proper authority and using unapproved contract forms.

US Insurances Services, Inc., 2000 Art Museum Dr., P.O. Box 47000, Jacksonville, FL 32247, has had its license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Florida on an insurance license application.

Wellcare Prescription Insurance, Inc., 8735 Henderson Ren 2, Tampa, FL 33634, paid a forfeiture of $500.00 and was ordered to respond promptly to all inquires from OCI. This action was based on allegations of failing to respond promptly to inquiries from OCI.

Cameron M. Wilson & Associates, Inc., 5988 Venture Park Dr., Kalamazoo, MI 49009, has had its license denied for 31 days. This action was based on allegations of failing to disclose an administrative action taken by the state of Florida on an insurance license application.

Xpert Insurance Agency, Inc., 7374 N. Clark St., Chicago, IL 60626, has had its application for an insurance license denied. This action was based on allegations of failing to respond promptly to inquiries from OCI and failing to disclose administrative actions taken against Bruce Brody by the states of Wisconsin and Illinois on an insurance license application.

Copies of Administrative Actions