State Enforcement Activities Against Unlicensed Insurers

 

The State enforcement activities against Unlicensed Insurers website is compiled from information available on individual state insurance department websites. The NAIC makes no judgment on persons or entities listed, but is merely centralizing information for consumers that is provided by the states. The NAIC makes no warranties as to the accuracy and/or completeness of this information, and the NAIC is not liable for any inaccuracies or incompleteness. If consumers have any questions or concerns about whom they are dealing with, they should contact their state insurance department to verify whether a company or producer is a licensed entity.

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A:

Administrative Benefits Inc. of Dallas
Violations: Unauthorized insurance
Penalty: Cease and Desist from engaging in the business of insurance in Texas; Pay all valid unpaid Texas claims (Texas)
Date of order: 09/08/2004

Action Staffing, Inc. d/b/a; Apeo Employment Systems of Abilene
Date of Order: 9/29/2005
Order Final In: September
Action Taken: $60,000 fine; Restitution (Texas)
Violation: Acted as an agent for unauthorized entities

Advanced Employment Concepts, Inc.; Cynthia Main; Brian Main of San Antonio Violations: Acted as an agent for unauthorized entities; Acted as an insurance agent without a license
Penalty: $500,000 fine plus restitution; Cease and Desist from engaging in the business of insurance (Texas)
Date of order: 10/18/2004

American Staff Resources Corporation; CURCO, individually and doing business as, The CURA Group;
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist order, (California)
Date of order: 07/28/2004

American Civil Liberties Foundation, Inc.
New York, New York
Violation: Transacting insurance business without a proper license.
Penalty: $545 fine. (Washington)
Date of Order: 03/05/2004

American Friends Service Committee
Violation: Transacting insurance business without a proper license.
Order: $1,065 fine. (Washington)
Date of Order: 02/11/2004

American Insurance Managers, Inc. of Atlanta GA
Violation: Unauthorized insurance.
Order: Cease and Desist from engaging in the business of insurance; $2,000,000 fine subject to a dollar-for-dollar reduction by restitution to $100,000 (Texas)
Date of Order: 11/22/2004

American Staff Resources. Curco, individually and doing business as, THE CURA Group
Violation: Transacting insurance business without a proper license.
Order: Cease and Desist, (California)
Date of Order: 07/28/2004

Aon Risk Services Inc. of New York
Violation: Placed policies while unlicensed.
Order: Settlement Agreement: $1,000 civil penalty, cease & desist from violations (Mass)
Date of Order: 08/26/2005

Aon Risk Services Inc. of Pennsylvania
Violation: Sale of Insurance while unlicensed.
Order: Settlement Agreement: $19,000 civil penalty, cease & desist from violations (Mass)
Date of Order: 06/08/2005

Axis Specialty Insurance Company
Violation: Sale of Insurance while unlicensed.
Order: Settlement Agreement: $500 fine, cease & desist from violations (Mass); compliance plan
Date of Order: 06/08/2005

Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005

International Pacific Assurance Associates, INC; Caribbean International Insurance Company; and Atlantic & Pacific Insurance, LTD
Date of Order: 04/2004
Action Taken: Cease and Desist Order (California)
Violation: Unauthorized insurance

Tri-Continental Exchange LTD; Combine Services LTD; Lloyd Thompson; Nationwide Casualty Company; Globe Indemnity and Casualty; Progressive International Assurance LTD; Guardian Underwriters Reassurance LTD; United Guarantee Reassurance LTD; North Star Reinsurance Group; Matthew Schacter; Overland UNderwriting Managers INC; Keith Morcroft; International Marine Association; American Transportation Insurance Company of Kingstown, St. Vincent and the Grenadines, West Indies; St. George, Barbados; Dallas; Fort Lauderdale FL; Nassau, New Providence, Bahamas; Pago Pago, American Samoa
Cary, NC
Violations: Unauthorized insurance
Penalty: $850,000 fine; Cease and Desist Order (Texas)
Date of order: 07/29/2005
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B:

James W. Bannon
Spokane, Washington
Violation: Transacted insurance in Oregon without a license.
Penalty: $5,000 fine (Oregon)
Date of order: June 9, 2004

Baptist Mid-Missions
Violation: Transacting insurance business without a proper license.
Penalty: Cease and Desist. (Washington)
Date of order: 02/17/2004

Gary R. Brown
Violations: Engaged in unfair or deceptive acts; Acting as an insurer without a Certificate of Authority; Deemed to be untrustworthy, source of injury and loss to the public.
Penalty: Revocation of License, (Washington)
Date of order: 04/28/2005:

Richard A Brooks and Brooks & Associates, LTD.
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Nebraska)
Date of order: 07/11/2005

Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005

Bureau of Wholesale Sales Representatives of Atlanta GA.
Violations: Unauthorized insurance
Penalty: $500,000 fine; Cease and Desist order (Texas)
Date of order: 07/21/2004
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C:

Camber Insurance Agency, Inc
Date of Order: 03/02/2005
Action Taken: Settlement Agreement: $1,000 fine; Cease & Desist from violations (Mass)
Violation: Sale of insurance while unlicensed

International Pacific Assurance Associates, INC; Caribbean International Insurance Company; and Atlantic & Pacific Insurance, LTD
Date of Order: 04/2004
Action Taken: Cease and Desist Order (California)
Violation: Unauthorized insurance

Tri-Continental Exchange LTD; Combine Services LTD; Lloyd Thompson; Nationwide Casualty Company; Globe Indemnity and Casualty; Progressive International Assurance LTD; Guardian Underwriters Reassurance LTD; United Guarantee Reassurance LTD; North Star Reinsurance Group; Matthew Schacter; Overland UNderwriting Managers INC; Keith Morcroft; International Marine Association; American Transportation Insurance Company of Kingstown, St. Vincent and the Grenadines, West Indies; St. George, Barbados; Dallas; Fort Lauderdale FL; Nassau, New Providence, Bahamas; Pago Pago, American Samoa
Cary, NC
Violations: Unauthorized insurance
Penalty: $850,000 fine; Cease and Desist Order (Texas)
Date of order: 07/29/2005

Calvin College
Violations: Transacting insurance business without a proper license
Penalty: $560 fine. (Washington)
Date of order: 03/04/2004

Canon USA, Inc.
New York, NY
Violations: Transacting insurance business without a proper license
Penalty: $20,000 fine. (Washington)
Date of order: 05/04/2004

Companies Agency of Massachusetts, Inc.
Violations: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $1,000 civil penalty, cease & desist from violations (Mass).
Date of order: 05/26/2005

Constitution Insurance Agency, Inc.
Violations: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $6,000 civil penalty, cease & desist from violations (Mass).
Date of order: 06/24/2005

Cowles & Connell Insurance Agency of MA, Inc.
Violations: Sale of surplus insurance while unlicensed as a special broker
Penalty: Settlement Agreement: $2,500 civil penalty, cease & desist from violations (Mass).
Date of order: 05/27/2005

Contractors Bonding Limited; National Program Management, Inc.; John Marshall Griffin; and Robert Edward Schantz.
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist (California).
Date of order: March, 2005

First Choice Benefits, a California Corporation, d/b/a Choice Benefits, Choice Benefits, Douglas Herald, Matt Ryan and Thomas Paul
Violation: Misleading sells regarding discount medical cards.
Penalty: Cease and Desist Order. (North Dakota)
Date: 09/21/2005

Climer, Christina Marie of Rowlett
Date of Order: 4/14/2005
Action Taken: $10,000 fine plus restitution; General Life Accident and Health License revoked. (Texas)
Violation: Acted as an agent for unauthorized entities; Materially misrepresented terms and conditions of an insurance policy

Aubrey C. Clanton and Aubrey C. Clanton dba Clanton Insurance Agency
Violations: Clanton transacted insurance in Oregon as an intermediary without a license. Clanton Insurance did not report Clanton's violation to the DCBS director or take any corrective action.
Penalty: In lieu of enforcement action, Clanton agreed not to renew his expired Oregon resident producer license or ever apply for any other insurance license in Oregon. Also in lieu of enforcement action, Clanton Insurance surrendered its license effective March 1, 2005, and agreed never to apply for any insurance license in (Oregon)
Date of order: February 28, 2005

Combined Specialties International ,Inc.
Violations: Placed policies while unlicensed
Penalty: Settlement Agreement: $350 civil penalty, cease & desist from violations (Mass).
Date of order: 08/01/2005

Consumers Union of United States, Inc.
Violations: Transacting insurance business without a proper license
Penalty: $2,175 fine. (Washington)
Date of order: 03/03/2004

Corless, Thomas Gregory
Violations: Unauthorized insurance
Penalty: $100,000 fine; Restitution of unpaid claims; Cease and Desist Order; Managing General Agent License revoked (Texas).
Date of order: 08/09/2005

Wayne Michael Craig and GMGL Marketing Services, INC
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist, (California).
Date of order: 07/30/2004

Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Washington)
Date of order: 07/19/2004

American Staff Resources. CURCO, individually and doing business as, THE CURA Group
Penalty: Transacting insurance business without a proper license.
Order: Cease and Desist, (California)
Date of Order: 07/28/2004
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D:

Francis J. Dierickx
Violations: Transacted insurance in Oregon without an appointment or authorization to engage in such transactions by an agency appointed by the insurer. Failed to fully and/or timely respond to inquiries from the DCBS director.
Penalty: $3,000 fine (Oregon)
Date of order: March 2, 2005

Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005
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E:

Eastern Washington University Foundation
Violation: Soliciting insurance without a certificate of authority
Penalty: Cease and desist order (Washington)
Date: 05/20/2005

Employer’s Resource Management Company and American Employer’s Benefit Trust: Gersema, Douglas W.; Gersema George; Loyst, Andrew E
Violation: Transacting insurance business without a license or certificate of authority
Penalty: Cease and Desist Order. (Washington)
Date: 06/13/2005

Employee Benefit Management Services of Billings MT
Date of Order: 2/23/2005
Action Taken: $6,000 fine plus restitution; Cease and desist unauthorized activity. (Texas)
Violation: Acted as an agent for unauthorized entities; Acted as a third party administrator without proper certification

Richard W. Endlar Insurance Agency, Inc.
Violation: Transacted insurance in Oregon as an intermediary without a license. 
Penalty: $1,000 fine (Oregon)
Date of order: June 7, 2005

Engenderhealth, Inc.
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist. (Washington)
Date of order: 02/20/2004

Enterprise Rent-A-Car Company of Dakotas/Nebraska; Enterprise Rent-A-Car Company of Midwest; and Enterprise Rent-A-Car Company of Montana and Wyoming (Collectively “Enterprise”
Violations: Transacting insurance business without a license
Penalty: Cease and Desist. (Nebraska)
Date of order: 04/28/2005
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F:

First Choice Benefits, a California Corporation, d/b/a Choice Benefits, Choice Benefits, Douglas Herald, Matt Ryan and Thomas Paul
Violation: Misleading sells regarding discount medical cards.
Penalty: Cease and Desist Order. (North Dakota)
Date: 09/21/2005

Fotopoulos, Nicholas A.
Violation: Sale of insurance while unlicensed.
Penalty: Settlement Agreement: Cease & Desist from violations (Mass)
Date: 02/16/2005

Fred O. Johnson Insurance Agency, Inc.
Violation: Sale of insurance while unlicensed.
Penalty: Settlement Agreement: $12,000 Civil Penalty; Cease & Desist from violations (Mass)
Date: 02/14/2005
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G:

Arthur J. Gallagher Risk Management Services, Inc.
Violations: Placed policies while unlicensed
Penalty: Settlement Agreement: $3,000 civil penalty, cease & desist from violations (Mass).
Date of order: 09/07/2005

Contractors Bonding Limited; National Program Management, Inc.; John Marshall Griffin; and Robert Edward Schantz.
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist (California).
Date of order: 04/22/2005

Wayne Michael Craig and GMGL Marketing Services, INC
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist, (California).
Date of order: 07/30/2004

Nicholas Gardner
Lynnwood, Washington
Violation: Transacting insurance business without a proper appointment; failure to maintain records; failure to account for premiums; failure to return premiums; failure to separate premium funds; illegal dealing in premiums.
Penalty: $500 fine (Washington)
Date of order: 02/17/2004

Gaites, Trent Peter of Oakwood GA
Date of Order: 5/6/2005
Action Taken: $24,000 fine, (Texas)
Violation: Conducted unauthorized business of insurance

Genucare INC. 
Date of Order: 5/27/2005
Action Taken: Cease and Desist, (Nebraska)
Violation: Not licensed to sell insurance in Nebraska.

Gilcoine & Burke Insurance Agency, Inc. 
Date of Order: 02/01/2005
Action Taken: Settlement Agreement: $1,050 Civil Penalty; Cease & Desist from violations (Mass)
Violation: Sale of insurance while unlicensed or unappointed

Gilmore, Michael Demetrious of Garland. 
Date of Order: 01/20/2004
Action Taken: Cease and Desist, (Texas)
Violation: Unauthorized insurance; Engaged in unfair and deceptive acts or practices.

Hanson, Robert Joe; Lyon, Daniel Frank; Global Bonding; Millennium Bonding Enterprises; Individual Surety, LTD of Fort Worth
Date of Order: 3/3/2005
Action Taken: Emergency Cease and Desist Order (Texas)
Violation: Engaged in unfair and deceptive acts or practices; Unauthorized insurance

The Global Healings Society; Joseph Michael Gardiner
Violation: Unauthorized to sell insurance in Oregon, Nevada, Montana.
Penalty: Cease and Desist, (Montana, Oregon)
Date of order: 04/21/2005

Goad, Jerry Lee of Austin
Violation: Acted as an agent for unauthorized entities; Engaged in fraudulent or dishonest acts or practices.
Penalty: 5,000 fine plus restitution; Cease and Desist; General Life, Accident, Health and HMO License revoked (Texas)
Date of order: 03/22/2004

Employer’s Resource Management Company and American Employer’s Benefit Trust: Gersema, Douglas W.; Gersema George; Loyst, Andrew E
Boise, ID
Violation: Transacting insurance business without a license or certificate of authority
Penalty: Cease and Desist Order (Washington).
Date: 06/13/2005

Global Healings Society, aka The Auto Bond; The Community Financial Bond; Joseph M. Gardiner, Shanae Gardiner; Jimmie L. Buchanan; Frederick E. Lawlis; Sheila F. Dufeck; John W. Dufeck; Shon E. Bivins; Angelee C. Bivins; Jonathan A. Little
Violation: Transacting insurance business without a license.
Penalty: Cease and Desist Order (Washington)
Date: 02/01/2005

Golf Marketing Worldwide, LLC: Kolenda, Kevin; Lambie, Andrew; Leahan, Shannon; Feldman, Roy; Meyers, Craig; Frank, Dawn.
Norwalk, CT
Violation: Transacting insurance business without a proper license.
Penalty: Cease and Desist Order, (Washington)
Date: 02/06/2004

Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005
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H:

Hanna, James W. 
Date of Order: 7/28/2005
Action Taken: $140,000 fine subject to a dollar-for-dollar reduction by restitution to $25,000 (Texas)
Violation: Acted as an agent for unauthorized entities

Hanson, Robert Joe; Lyon, Daniel Frank; Global Bonding; Millennium Bonding Enterprises; Individual Surety, LTD of Fort Worth
Date of Order: 3/3/2005
Action Taken: Emergency Cease and Desist Order (Texas)
Violation: Engaged in unfair and deceptive acts or practices; Unauthorized insurance

First Choice Benefits, a California Corporation, d/b/a Choice Benefits, Choice Benefits, Douglas Herald, Matt Ryan and Thomas Paul
Violation: Misleading sells regarding discount medical cards.
Penalty: Cease and Desist Order. (North Dakota)
Date: 09/21/2005

Honan Insurance Agency, Inc.
Violation: Sale of insurance while unlicensed.
Penalty: Settlement Agreement: $30,000 administrative assessment, cease & desist from violations (Mass)
Date: 04/29/2005

Higdon, Scott Wayne of Odessa
Violation: Acted as an agent for unauthorized entities; Engaged in fraudulent or dishonest acts.
Penalty: Restitution, $10,000 fine, General Life, Accident, Health and HMO License revoked. Cease and desist order (Texas)
Date: 01/23/2004
Hinojosa, John Gerard of Houston
Date of Order: 1/25/2005

Action Taken: $10,000 fine plus restitution; General Life, Accident and Health License and Limited Lines License revoked; Cease and Desist from engaging in the business of insurance (Texas)
Violation: Acted as an agent for unauthorized entities; Engaged in fraudulent or dishonest acts or practices
Homeward Bound Services, INC.; T.L.C
Date of Order: 05/04/2005

Action Taken: Cease and Desist (California);
Violation: Transacting Insurance business without holding a Certificate of Authority from the California Insurance Commissioner
Howe Insurance Group
Date of Order: 09/06/2005

Action Taken: Settlement Agreement: $75 civil penalty, restitution, cease & desist from violations (Mass)
Violation: Placed policies while unlicensed
Hulsey, Frank S. of Colleyville
Date of Order: 7/22/2005

Action Taken: General Life, Accident, Health and HMO License revoked (Texas)
Violation: Unlawfully engaged in the business of insurance; Acted as an agent for unauthorized entities; Engaged in fraudulent or dishonest acts or practices
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I:

International Pacific Assurance Associates, INC; Caribbean International Insurance Company; and Atlantic & Pacific Insurance, LTD
Date of Order: 04/2004
Action Taken: Cease and Desist Order (California)
Violation: Unauthorized insurance

International Union of Industrial and Independent Workers Benefit Fund of Alpharetta GA
Date of Order: 11/03/2004
Action Taken: Cease and Desist from engaging in the business of insurance (Texas)
Violation: Unauthorized insurance

International Excess & Treaty Managers, Inc.
Date of Order: 08/31/2005
Action Taken: Settlement Agreement: $7,500 civil penalty, cease & desist from violations (Mass)
Violation: Placed surplus lines policies while unlicensed

ITECH Corporation/Automated Survey and Quotation Systems.
Date of Order: 04/18/2005
Action Taken: Settlement Agreement: $2,500 fine, cease & desist from violations (Mass)
Violation: Sale of insurance while unlicensed

IUNHCAMP Health & Welfare Fund of West Hills CA 
Date of Order: 04/20/2004
Action Taken: $500,000 fine; Cease and Desist the unauthorized business of insurance (Texas)
Violation: Unauthorized insurance

Hanson, Robert Joe; Lyon, Daniel Frank; Global Bonding; Millennium Bonding Enterprises; Individual Surety, LTD of Fort Worth
Violation: Engaged in unfair and deceptive acts or practices; Unauthorized insurance
Action Taken: Emergency Cease and Desist Order (Texas)
Date of Order: 3/3/2005

Individual Surety, Ltd. And Global Bonding, LLC
Violation: Transacting insurance business without a license.
Penalty: Cease and Desist Order. (Washington)
Date: 08/27/2004

The International Union of Petroleum and Industrial Workers (IUPIW) and the Manufacturing and Industrial Workers Union (MIWU). Terrence LaFave, John Kudra. International Union of Public/Petroleum Industrial Workers-Canadian Benefit Fund, Manufacturing and Industrial Workers Union Benefit Trust Fund, Contractors and Merchants Association, Oak Tree Administrators, First Class Administrators, Inc., South by Southwest Employers Association, George Beltz, Mitchel Coneley, Cherille Shelp, William Hope, Tim Gue, Robbie Larkin, Gary Couch, Kent Traynor, and Raymond Palombo
Violation: Enrolling members to union plans without requiring union membership.
Penalty: Cease and Desist Order. (Texas)
Date: 03/02/05

Transpacific International Insurance Company Limited, individually and doing business as, Transpacific International Insurance Company; OMNE Staffing, INC; OMNE Payroll Services, INC; Allstates Employer Services, Allstates OMNE Employer Services, INC; and Infinet Insurance & Financial Network,
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist order, (California)
Date of order: 06/24/2004

Tri-Continental Exchange LTD; Combine Services LTD; Lloyd Thompson; Nationwide Casualty Company; Globe Indemnity and Casualty; Progressive International Assurance LTD; Guardian Underwriters Reassurance LTD; United Guarantee Reassurance LTD; North Star Reinsurance Group; Matthew Schacter; Overland UNderwriting Managers INC; Keith Morcroft; International Marine Association; American Transportation Insurance Company of Kingstown, St. Vincent and the Grenadines, West Indies; St. George, Barbados; Dallas; Fort Lauderdale FL; Nassau, New Providence, Bahamas; Pago Pago, American Samoa
Cary, NC
Violations: Unauthorized insurance
Penalty: $850,000 fine; Cease and Desist Order (Texas)
Date of order: 07/29/2005
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J:

Guillero D. Jalil, President of Powertrain Warrnty, INC
Date of Order: 02/05/2004
Action Taken: Cease and Desist Order (California)
Violation: Selling Insurance without a license.

J.C. Taylor Antique Automobile Ins Agy of Mass
Action Taken: Settlement Agreement: $12,000 civil penalty, cease & desist from violations (Mass)
Violation: Placed policies while unlicensed.
Date of Order: 08/26/2005
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K:

The International Union of Petroleum and Industrial Workers (IUPIW) and the Manufacturing and Industrial Workers Union (MIWU). Terrence LaFave, John Kudra. International Union of Public/Petroleum Industrial Workers-Canadian Benefit Fund, Manufacturing and Industrial Workers Union Benefit Trust Fund, Contractors and Merchants Association, Oak Tree Administrators, First Class Administrators, Inc., South by Southwest Employers Association, George Beltz, Mitchel Coneley, Cherille Shelp, William Hope, Tim Gue, Robbie Larkin, Gary Couch, Kent Traynor, and Raymond Palombo
Violation: Enrolling members to union plans without requiring union membership.
Penalty: Cease and Desist Order. (Texas)
Date: 03/02/05
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L:

Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Atlanata, GA
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Washington, North Dakota)
Date of order: 07/19/2004

Unimed Insurance Company; Professional Liability Insurance Company, LTD; Ledee and Associates, LLC; Professional Liability Insurance Corporation; PLIC Claims Management, Inc; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD; and Physical Malpractice Analysts, INC
Violations: Transacting insurance business without a proper license.
Penalty: Cease and Desist Order, (Maryland)
Date of order: 08/19/2004

Employer’s Resource Management Company and American Employer’s Benefit Trust: Gersema, Douglas W.; Gersema George; Loyst, Andrew E
Boise, ID
Violation: Transacting insurance business without a license or certificate of authority
Penalty: Cease and Desist Order. (Washington)
Date: 06/13/2005

L.J. Dolloff Insurance Agency of Massachusetts, Inc.
Violation: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $125 civil penalty, cease & desist from violations (Mass).
Date: 04/28/2005

Laurence, Larry Denny.
Violation: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $500 fine ,cease & desist from violations (Mass)
Date: 05/13/2005

Lifeplus Insurance Agency, Inc.
Violation: Sale of insurance while unlicensed for surplus lines
Penalty: Settlement Agreement: $500 civil penalty, cease & desist from violations (Mass)
Date: 06/23/2005
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M:

Member Protection Insurance Plans, Inc.
Violation: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $650 civil penalty, cease & desist from violations (Mass)
Date of order: 02/09/2005

MIMLIC Insurance Agency of Massachusetts, Inc.
Violation: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $50 civil penalty, cease & desist from violations (Mass)
Date of order: 04/05/2005

Morgan-McPherson Insurance Agency, Inc.
Violation: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $2,200 civil penalty, cease & desist from violations (Mass)
Date of order: 04/22/2005

Midwest Staff Solutions, Inc. of Lenexa Kansas
Violation: Unauthorized insurance..
Penalty: $5,000 fine; Cover unpaid Texas claims; Cease and Desist (Texas)
Date of order: 01/14/2005

McCloskey, Robert J.
Violation: Placed policies while unlicensed.
Penalty: Settlement Agreement: $3,000 civil penalty, cease & desist from violations (Mass)
Date of order: 06/29/2005

Marine Underwriters Limited; Marine Specialty Management; Bruce Woods.
Lake Havasu City, Arizona
Violation: Acted as an agent for unauthorized entities; Engaged in fraudulent or dishonest acts.
Penalty: Cease and Desist, (Washington)
Date of order: 01/23/2004

Muse, Paul of Houston.
Violation: Transacting insurance business without a proper license.
Penalty: $10,000 fine plus restitution; Cease and Desist; General Life, Accident, and Health License revoked (Texas)
Date of order: 03/31/2004

Hanson, Robert Joe; Lyon, Daniel Frank; Global Bonding; Millennium Bonding Enterprises; Individual Surety, LTD of Fort Worth
Violation: Engaged in unfair and deceptive acts or practices; Unauthorized insurance
Action Taken: Emergency Cease and Desist Order (Texas)
Date of Order: 3/3/2005

Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Atlanata, GA
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Washington)
Date of order: 07/19/2004

The International Union of Petroleum and Industrial Workers (IUPIW) and the Manufacturing and Industrial Workers Union (MIWU). Terrence LaFave, John Kudra. International Union of Public/Petroleum Industrial Workers-Canadian Benefit Fund, Manufacturing and Industrial Workers Union Benefit Trust Fund, Contractors and Merchants Association, Oak Tree Administrators, First Class Administrators, Inc., South by Southwest Employers Association, George Beltz, Mitchel Coneley, Cherille Shelp, William Hope, Tim Gue, Robbie Larkin, Gary Couch, Kent Traynor, and Raymond Palombo
Violation: Enrolling members to union plans without requiring union membership.
Penalty: Cease and Desist Order. (Texas)
Date: 03/02/05

Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005
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Contractors Bonding Limited; National Program Management, Inc.; John Marshall Griffin; and Robert Edward Schantz.
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist (California).
Date of order: March, 2005

Nations Hazard Insurance Agency.
Violations: Sale of insurance while unlicensed.
Penalty: Administrative Decision: Prohibition from the business (Mass).
Date of order: 01/19/2005

Nations Hazard Insurance Company.
Violations: Sale of insurance while unlicensed.
Penalty: Administrative Decision: $3,000 fine, prohibition from the business, restitution (Mass).
Date of order: 01/19/2005

Tri-Continental Exchange LTD; Combine Services LTD; Lloyd Thompson; Nationwide Casualty Company; Globe Indemnity and Casualty; Progressive International Assurance LTD; Guardian Underwriters Reassurance LTD; United Guarantee Reassurance LTD; North Star Reinsurance Group; Matthew Schacter; Overland UNderwriting Managers INC; Keith Morcroft; International Marine Association; American Transportation Insurance Company 
Violations: Unauthorized insurance
Penalty: $850,000 fine; Cease and Desist Order (Texas)
Date of order: 07/29/2005

PAUL HOWE NOE, II
Violation: Selling Insurance without license.
Penalty: Cease and Desist Order (California)
Date of order: September 16, 2004
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The International Union of Petroleum and Industrial Workers (IUPIW) and the Manufacturing and Industrial Workers Union (MIWU). Terrence LaFave, John Kudra. International Union of Public/Petroleum Industrial Workers-Canadian Benefit Fund, Manufacturing and Industrial Workers Union Benefit Trust Fund, Contractors and Merchants Association, Oak Tree Administrators, First Class Administrators, Inc., South by Southwest Employers Association, George Beltz, Mitchel Coneley, Cherille Shelp, William Hope, Tim Gue, Robbie Larkin, Gary Couch, Kent Traynor, and Raymond Palombo
Violation: Enrolling members to union plans without requiring union membership.
Penalty: Cease and Desist Order. Texas
Date: 03/02/05

Oberlin College
Violations: Transacting business without a proper license.
Penalty: $380 fine. (Washington)
Date of order: 04/01/2004

O'Donahue Insurance Agency, Inc.
Violations: Placed policies in unlicensed entity.
Penalty: $3,000 civil penalty, recovery of $5,300, cease & desist from violations (Mass)
Date of order: 06/30/2005

Transpacific International Insurance Company Limited, individually and doing business as, Transpacific International Insurance Company; OMNE Staffing, INC; OMNE Payroll Services, INC; Allstates Employer Services, Allstates OMNE Employer Services, INC; and Infinet Insurance & Financial Network,
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist order, (California)
Date of order: 06/24/2004
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Patriot Group Insurance Agency, Inc.
Violation: Placed policies while unlicensed.
Penalty: Settlement Agreement: $50 civil penalty, cease & desist from violations (Mass)
Date: 09/14/2005

Pope Insurance Agency, Inc.
Violation: Sale of insurance while unlicensed.
Penalty: Settlement Agreement: $1000 civil penalty; Cease & Desist from violations (Mass)
Date: 01/11/2005

Premier Resources of Angola IN.
Violation: Staff leasing company engaged in unauthorized insurance.
Penalty: $5,000 fine; Ordered to pay valid claims; Cease and Desist. (Texas)
Date: 07/28/2005

Pre-Paid Legal Services, Inc. of Ada Ok.
Violation: Acted as a Surplus Lines Agent without a license.
Penalty: $10,000 fine; Cease and Desist from engaging in the business of insurance; Pay unauthorized insurance premium receipts tax, penalties and interest. (Texas)
Date: 02/22/2005

President Insurance Agency, Inc.
Violation: Placed policies while unlicensed.
Penalty: Settlement Agreement: $3,000 civil penalty, cease & desist from violations(Mass)
Date: 08/02/2005

Providential Surety; Taylor, James Chester, Jr. of British West Indies; Quartz Hill CA.
Violation: Unauthorized insurance; Acted as an agent for unauthorized entities; Engaged in unfair and deceptive acts or practices.
Penalty: $100,000 fine; Cease and Desist. (Texas)
Date: 07/28/2005

Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005

Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, Washington. Cease and Desist order, North Dakota.
Date of order: 07/19/2004 (Washington), 

First Choice Benefits, a California Corporation, d/b/a Choice Benefits, Choice Benefits, Douglas Herald, Matt Ryan and Thomas Paul
Violation: Misleading sells regarding discount medical cards.
Penalty: Cease and Desist Order. (North Dakota)
Date: 09/21/2005

Tri-Continental Exchange LTD; Combine Services LTD; Lloyd Thompson; Nationwide Casualty Company; Globe Indemnity and Casualty; Progressive International Assurance LTD; Guardian Underwriters Reassurance LTD; United Guarantee Reassurance LTD; North Star Reinsurance Group; Matthew Schacter; Overland UNderwriting Managers INC; Keith Morcroft; International Marine Association; American Transportation Insurance Company of Kingstown, St. Vincent and the Grenadines, West Indies; St. George, Barbados; Dallas; Fort Lauderdale FL; Nassau, New Providence, Bahamas; Pago Pago, American Samoa
Cary, NC
Violations: Unauthorized insurance
Penalty: $850,000 fine; Cease and Desist Order (Texas)
Date of order: 07/29/2005

GUILLERO D. JALIL, President of POWERTRAIN WARRNTY, INC
Violation: Selling Insurance without a license.
Action Taken: Cease and Desist Order (California)
Date of Order: 02/05/2004
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Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Washington)
Date of order: 07/19/2004

First Choice Benefits, a California Corporation, d/b/a Choice Benefits, Choice Benefits, Douglas Herald, Matt Ryan and Thomas Paul
Violation: Misleading sells regarding discount medical cards.
Penalty: Cease and Desist Order. (North Dakota)
Date: 09/21/2005

Reynolds, Thomas Edward of Houston
Violation: Acted as agent for unauthorized entities; Engaged in fraudulent or dishonest acts; Failed to register assumed name
Penalty: Restitution, $85,000 fine, Cease and desist, and General Life, Accident, Health and HMO License revoked (Texas)
Date: 01/29/2005
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Service & Business Workers of America Local 125, aka Local 125 Fund of Juno Beach FL 
Violation: Unauthorized insurance.
Penalty: Cease and Desist order (Texas)
Date of order: 05/14/2004

Sjodin, Vernon of Newport Beach CA
Violation: Unauthorized insurance.
Penalty: Cease and Desist; $500,000 fine and restitution (Texas)
Date of order: 12/03/2004

Skilstaf, Inc. of Alexander City AL
Violation: Unauthorized insurance.
Penalty: Cease and Desist (Texas)
Date of order: 03/31/2004

Sure Foundation International, Inc. (SFI); International Business Education Association (IBEA)
Violation: Illegal Pyramid Scheme, fake insurance scheme.
Penalty: Cease and Desist, (Montana)
Date: 04/01/2005

The International Union of Petroleum and Industrial Workers (IUPIW) and the Manufacturing and Industrial Workers Union (MIWU). Terrence LaFave, John Kudra. International Union of Public/Petroleum Industrial Workers-Canadian Benefit Fund, Manufacturing and Industrial Workers Union Benefit Trust Fund, Contractors and Merchants Association, Oak Tree Administrators, First Class Administrators, Inc., South by Southwest Employers Association, George Beltz, Mitchel Coneley, Cherille Shelp, William Hope, Tim Gue, Robbie Larkin, Gary Couch, Kent Traynor, and Raymond Palombo
Violation: Enrolling members to union plans without requiring union membership.
Penalty: Cease and Desist Order. (Texas)
Date: 03/02/05

Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Atlanata, GA
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Washington)
Date of order: 07/19/2004

Schwab, Robert of Plano
Violation: Acted as an agent for unauthorized entities.
Penalty: $15,000 fine plus restitution; Cease and Desist; General Life, Accident and Health License revoked (Texas)
Date of order: 03/31/2004
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Transpacific International Insurance Company Limited, individually and doing business as, Transpacific International Insurance Company; OMNE Staffing, INC; OMNE Payroll Services, INC; Allstates Employer Services, Allstates OMNE Employer Services, INC; and Infinet Insurance & Financial Network,
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist order, (California)
Date of order: 06/24/2004

Tri-Continental Exchange LTD; Combine Services LTD; Lloyd Thompson; Nationwide Casualty Company; Globe Indemnity and Casualty; Progressive International Assurance LTD; Guardian Underwriters Reassurance LTD; United Guarantee Reassurance LTD; North Star Reinsurance Group; Matthew Schacter; Overland UNderwriting Managers INC; Keith Morcroft; International Marine Association; American Transportation Insurance Company of Kingstown, St. Vincent and the Grenadines, West Indies; St. George, Barbados; Dallas; Fort Lauderdale FL; Nassau, New Providence, Bahamas; Pago Pago, American Samoa
Cary, NC
Violations: Unauthorized insurance
Penalty: $850,000 fine; Cease and Desist Order (Texas)
Date of order: 07/29/2005

Trans World Radio
Violations: Transacting insurance business without a proper license
Penalty: $780 fine. (Washington)
Date of order: 04/13/2004

The Church Insurance Agency Corporation
Violations: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $800 civil penalty, cease & desist from violations (Mass)
Date of order: 06/22/2005

Thompson Insurance Agency, Inc.
Violations: Sale of insurance while unlicensed
Penalty: Settlement Agreement: $1,500 civil penalty, cease & desist from violations (Mass)
Date of order: 05/02/2005

Trinity Broadcasting Network
Santa Ana, CA
Violations: Transacting insurance business without a proper license
Penalty: Cease and Desist, (Washington)
Date of order: 04/07/2004

Providential Surety; Taylor, James Chester, Jr. of British West Indies; Quartz Hill CA.
Violation: Unauthorized insurance; Acted as an agent for unauthorized entities; Engaged in unfair and deceptive acts or practices.
Penalty: $100,000 fine; Cease and Desist. (Texas)
Date: 07/28/2005
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Unimed Insurance Company; Professional Liability Insurance Company, LTD; Ledee and Associates, LLC; Professional Liability Insurance Corporation; PLIC Claims Management, Inc; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD; and Physical Malpractice Analysts, INC
Violations: Transacting insurance business without a proper license.
Penalty: Cease and Desist Order, Maryland
Date of order: 08/19/2004

Professional Liability Insurance Company, LTD, Unimed Insurance Company, Ledee and Associates, LLC; Professional Liability Insurance Corporation, PLIC Claims Management, Inc.; Crowne Global Group, LTD; Medical Risk Associates, RPG, LTD And Physicians Malpractices Analysts Inc.; William A Ledee III; Ignatius Angelo “Iggy” DeBlasi, James Reynolds; Matthew Reed, Mishima Murasaki, Bertha Louise Ledee; Judy Frese; Jennifer Anders, Aka: “Brook Harris”; Robert Edward Ledee; Suzanne Suhrie; Charles Bailey, MD; “Laurie” or Lori” Last name Unknown; and Elizabeth, Last Name Unknown
Violations: Transacting insurance business without a proper license, misrepresentation..
Penalty: Cease and Desist Order, (Washington, North Dakota)
Date of order: 07/19/2004

United International Insurance Company of W. Basseterre, St. Kitts, West Indies
Violations: Unauthorized insurance; Misappropriated or converted money belonging to an insurer or insured; Engaged in unfair and deceptive acts or practices.
Penalty: $1,000,000 fine; Cease and Desist (Texas)
Date of order: 04/19/2005

USA Healthone, Inc.; Odos Wesley Long; Stephen Whatley of Houston
Violations: Unauthorized insurance.
Penalty: Cease and Desist (Texas)
Date of order: 12/17/2004
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AEA Insurance Company, LTD.; and, AEA Insurance Services, LTD.; and, ARSA Insurance Services, INC., and, Frank Vaccaro, individually and d/b/a Vaccaro And Associates
Violations: Transacting insurance business without a certificate of Authority
Penalty: Cease and Desist order, (California)
Date of order: 01/21/2005
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Xelan Insurance Company; Doctors Benefit Insurance Company, LTD, Doctor’s Insurance Services, Inc.; Guess, Lewis Donald; Bailey, Nigel J; Bright, Richard Robert; Atwater, Kim Martin; Patton, John R., Esq.; Goff, Boyce H., Sr.; Morgan, Craig P.
Violations: Transacting insurance business without a certificate of authority.
Penalty: Cease and Desist Order, (Washington)
Date of order: 06/13/2005
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Yellowstone Boys & Girls Ranch Foundation, Inc.
Violations: Transacting insurance business without a proper license.
Penalty: $840 fine. (Washington)
Date of order: 04/07/2004

Young Americas Foundation.
Violations: Transacting insurance business without a proper license.
Penalty: $130 fine. (Washington)
Date of order: 04/12/2004
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Zogob, Mitchell of Newport Beach CA.
Violations: Unauthorized insurance; Engaged in unfair and deceptive acts or practices.
Penalty: Cease and Desist; $2,000,000 fine and restitution (Texas)
Date of order: 12/03/2004
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