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

Madison, WIOCI 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

Craig M. Barrett, 103 Weldon Way, Pennington, NJ 08534, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report administrative actions taken by the states of Wisconsin and New Jersey on a licensing application.

Philip Graeme Cabaud III, 5405 Pine St., Bellaire, TX 77401, agreed to pay a forfeiture of $500.00 and to promptly report to OCI any administrative actions taken. These actions were taken based on allegations of failing to timely report an administrative action taken by the state of Kentucky.

John Allan Dickson, 202 Knoxville Ave., Huntington Beach, CA 92648, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of California on a licensing application.

Rabecca L. Herzler, W5260 O Sixty Rd., Juneau, WI 53039, 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 an insurance license application.

Michael T. Hutchen, 4110 Paunack Ave., Madison, WI 53711, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to disclose a previous criminal conviction on an insurance license application.

Kenneth Edward Kukral, 8950 Doral Dr., Mentor, OH 44060, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report administrative actions taken by the states of Florida, Maine, and Kentucky on a licensing application.

Dana R. Lawson, 1711 Sixth Ave. N., Menomonie, WI 54751, 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.

Jeffrey L. Manke, 302 Hudson Ave., Oshkosh, WI 54901, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of Wisconsin on a licensing application as well as a criminal conviction which may be substantially related to insurance marketing type conduct.

Michael Joesph Murphy, 1433 E. Walnut Rd., Vineland, NJ 08361, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI as well as a criminal conviction which may be substantially related to insurance marketing type conduct.

Angeline Marie Poventud, 1223 Fleetfoot Dr., Waukesha, WI 53186, had her application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of Wisconsin on a licensing application.

Richard L. Rentmeester, 1616 Franz Ave, Green Bay, WI 54302, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of Wisconsin, Department of Financial Institutions, Division of Securities, on a licensing application.

Cory A. Smith, 8202 Mansion Hill Ave. Apt. 4, Madison, WI 53719, had his application for an insurance license denied for 31 days. This action was taken based on allegations of failing to report an administrative action taken by the state of Wisconsin on a licensing application.

Ryan J. Wick, 445 Long Beard Rd., Waukesha, WI 53186, had his application for an insurance license denied. This action was taken based on allegations of failing to respond promptly to inquiries from OCI, as well as a criminal conviction which may be substantially related to insurance marketing type conduct.

Allegations and Actions Against Companies

ACORD, One Blue Hill Plaza Fl. 15, Pearl River, NY 10965, was ordered to pay a forfeiture of $9,000.00, to cease and desist from providing unfiled unapproved forms to its members, and to cease and desist from making misrepresentations concerning the validity of its forms. These actions were taken based on allegations of using unapproved policy forms.

Acuity A Mutual Insurance Company, 2800 S. Taylor Dr., Sheboygan, WI 53081, was ordered to pay a forfeiture of $7,000.00, to maintain all insurance applications and underwriting information in a manner that can be reproduced in hard copy form, and to cease and desist using unfiled unapproved application forms. These actions were taken based on allegations of failing to maintain adequate records and using unapproved policy forms.

Auto Club Insurance Association, One Auto Club Dr., Dearborn, MI 48126, was ordered to pay a forfeiture of $500.00 and to cease and desist from failing to provide proper notice to policyholders when cancelling policies. These actions were taken based on allegations of issuing an improper midterm cancellation notice.

Badger Mutual Insurance Company, 1635 W. National Ave., Milwaukee, WI 53204, was ordered to pay a forfeiture of $500.00. This action was taken based on allegations of failing to comply with a previous examination order.

Capitol Indemnity Corporation, 1600 Aspen Commons, Middleton WI 53562, was ordered to pay a forfeiture of $5,000.00, to cease and desist issuing cancellation or nonrenewal notices without providing a reasonably precise basis for the cancellations or nonrenewals, and to provide OCI with corrected bond cancellation language. These actions were taken based on allegations of issuing improper midterm cancellations or nonrenewals of insurance policies and violating Wisconsin insurance laws.

ICM Insurance Company, 100 Commons Way Ste. 210, Holmdel, NJ 07733, was ordered to pay a forfeiture of $500.00 and to provide OCI with requested information promptly in writing. These actions were taken based on allegations of failing to respond promptly to inquiries from OCI.

Little Black Mutual Insurance Company, 141 S. Wisconsin Ave., Medford, WI 54451, was ordered to pay a forfeiture of $500.00. This action was taken based on allegations of failing to comply with a previous examination order.

Madison National Life Insurance Company, Inc., 1241 John Q. Hammons Dr., Madison, WI 53717, was ordered to pay a forfeiture of $1,500.00. This action was taken based on allegations of failing to comply with a previous examination order.

Marcellon-Courtland-Springvale Mutual Insurance Company, 134 N. Main St., Pardeeville, WI 53954, was ordered to pay a forfeiture of $1,200.00. This action was taken based on allegations of failing to comply with a previous examination order.

MercyCare HMO, Inc., 3430 Palmer Dr., Madison, WI 53546, was ordered to pay a forfeiture of $2,000.00. This action was taken based on allegations of failing to comply with a previous examination order.

MercyCare Insurance Company, 3430 Palmer Dr., Janesville, WI 53546, was ordered to pay a forfeiture of $1,000.00. This action was taken based on allegations of failing to comply with a previous examination order.

Network Health Plan, 1570 Midway Pl., Menasha, WI 54952, was ordered to pay a forfeiture of $2,500.00. This action was taken based on allegations of failing to report an intended extraordinary shareholder dividend to OCI.

State Farm Fire and Casualty Company, One State Farm Plaza, Bloomington, IL 61710, was ordered to pay a forfeiture of $500.00 and to provide insureds with adequate notification of nonrenewals of property and casualty policies. These actions were taken based on allegations of issuing an improper midterm nonrenewal of an insurance policy.

Travelers Casualty Insurance Company of America, One Tower Square, Hartford, CT 06183, was ordered to pay a forfeiture of $500.00 and to cease and desist from issuing improper midterm cancellations and from issuing communications containing false or misleading information. These actions were taken based on allegations of issuing an improper midterm cancellation or nonrenewal of an insurance policy.

University of Wisconsin-Marathon County, 518 S. Seventh Ave., Wausau, WI 54401, was ordered to receive credit for only six of the eight credit hours applied for an insurance continuing education course. This action was taken based on allegations that two of the eight hours of credit applied did not meet necessary course requirements.

Copies of Administrative Actions