2014 Orders

Orders posted below are unverified duplicates of official orders actually entered. To get an official version of the order contact:

Renee Molnes
Phone: 360-725-7047
Email: legal@oic.wa.gov

Orders 51 to 100 of 192
 
Name Violation Issue Date Action Order

Dental Health Services Incorporated
Seattle, WA
Failure to timely file. 6/12/2014 $500 Fine 14-0101
Comments:

DeSantiago, Luis
McFarland, WI
License revoked due to failure to comply with the conditions of his probationary license and his failure to respond to an inquiry from the Insurance Commissioner. 6/10/2014 Order Revoking License 14-0119
Comments:

Digital Leash, LLC dba ProtectCell dba www.protectcell.com; Fortegra Financial Corporation; Lots Intermediate Company; and Scott McLaren, Robert Emery, Bryan Finnerty and Christopher P. Beyersdorff
Jacksonville, FL; Novi, MI
Marketed, solicited, administered, and sold service contracts and/or contracts of insurance without a certificate of authority or service contract provider registration; Failure to timely pay 2% premium taxes. 10/23/2014 Order to Cease and Desist 14-0204
Comments:

Dixon, Tamario
Everett, WA
Failure to pay child support. 9/22/2014 License suspended. 14-0185
Comments:

Driscoll, Leo J.
Spokane, WA
Driscoll requested a hearing challenging the approval of the 2011 premium rate increase on his long term care insurance policy. 1/23/2015 Summary judgment was granted in favor of the OIC, dismissing the case as time barred. 14-0187
Comments:

Easter Seals, Inc.
Chicago, IL
Failure to maintain minimum unrestricted net assets. 5/15/2014 Order Suspending Certificate of Exemption 14-0088
Comments:

Erickson, Kent L.
Mount Vernon, WA
Failure to respond to an inquiry of the Insurance Commissioner; Failure to advise OIC of any change of address within thirty days after a change of address which includes change in residence, mailing, business or e-mail address; Failure to comply with the terms of OIC Consent Order 13-0122; Improperly withholding, misappropriating, or converting any moneys or properties received in the course of doing insurance business; or using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility in this state or elsewhere. 2/26/2014 Order To Not Renew License Due To Alleged Improper Withholding, Misappropriation, Or Converting 14-0026
Comments:

Farmers New World Life Insurance Company
Mercer Island, WA
None 4/30/2014 Order Granting Approval of Permitted Accounting Practice 14-0085
Comments:

Fidelity & Guaranty Life Insurance Company
Des Moines, IA
Allowing a producer to act as an agent of Fidelity & Guaranty Life Insurance Company (“F&G Life”) in Washington without the Company having appointed him; Accepting a policy without ensuring that the selling agent was licensed for the proper line of authority to sell that policy. 7/23/2014 Consent Order Levying a Fine - $10,000 13-0336
Comments:

Fife RV & Auto Center, Inc.
Gig Harbor, WA
Issuing protection product guarantees without being licensed. 10/1/2014 Order To Cease And Desist 14-0175
Comments:

Foundations Financial Group LLC
Bonney Lake, WA
Failure to affiliate a Designated Responsible Licensed Person. 7/17/2014 License revoked. 14-0152
Comments:

Freestone Insurance Company
Dallas, TX
Placed in Rehabilitation by the Court Chancery of the State of Delaware. 5/19/2014 Order Suspending Certificate of Authority 14-0090
Comments:

Gaye, Nyaten
Johnston, RI
Failure to respond. 6/24/2014 License revoked. 14-0144
Comments:

Genest, Paul D.
Sedro Woolley, WA
Application for reinstatement of license was filed shortly after license had been revoked. 9/8/2014 Denial of license application filed after recent revocation of license. Denial was upheld after hearing. 14-0102
Comments:

George Fox University
Newberg, OR
Failure to timely file. 3/21/2014 $750 Fine 14-0037
Comments:

Global Warranty Group, LLC and Wireless Protection Program Association
St. James, NY
Sold service contracts for cell phones and other electronic devices in the State of Washington without being registered under Chapter 48.110 RCW as a service contract provider or otherwise authorized as an insurer in this state. 12/8/2014 After hearing, companies were fined $250,000 and ordered to pay unpaid premium taxes in the amount of $11,767.05. 14-0117
Comments:

Gloria, Christopher S.
Seattle, WA
Falsely telling a couple that in order to obtain premium and coverage information they had to sign certain documents. Using the signed documents to replace the couples’ existing annuity, despite their desire to only obtain information about the new prospective annuity and not actually replace their existing annuity. Knowingly makes a false or misleading statement or impersonation, or willfully failing to reveal a material fact, in or relative to an application for insurance; Violating any insurance laws, or violating any rule, subpoena, or order of the Commissioner; Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility; Altering replacement forms without permission after the couple signed. 9/8/2014 Order Revoking License 14-0136
Comments:

Green, Sean
Phoenix, AZ
Failure to report an administrative action; failure to respond. 10/30/2014 License revoked. 14-0207
Comments:

Greenpeace Fund, Inc.
Washington, DC
Failure to timely file annual report and actuarial certification. 1/14/2015 Consent Order Levying a Fine. 14-0243
Comments: Consent Order Levying a Fine.

Group Health Cooperative
Seattle, WA
N/A 10/23/2014 N/A 14-0199
Comments: Solicitation Permit

Group Health Options, Inc.
Seattle, WA
Denying an enrollee an external independent review of an adverse decision denying, reducing, modifying, or terminating coverage or payment. 8/20/2014 Consent Order Levying A Fine - Fined: $2,000 14-0143
Comments:

Guirell, Cindy G.
Roy, WA
Probationary license issued due to felony conviction and failure to notify the OIC of charges within 30 days of pre-trial date. 7/9/2014 Consent Order Imposing A Fine and Setting Conditions For Probationary Producer’s License - Fined: $250 14-0123
Comments:

Guzman, Gregory M.
Spokane, WA
Depositing his clients’ checks into his personal bank account instead of forwarding the checks properly or paying the premiums thereon, he improperly withheld, misappropriated, or converted monies received in the course of doing insurance business; Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility in this state or elsewhere; Failure to reply to respond to inquiries from the OIC. 9/15/2014 Order Revoking License 14-0167
Comments:

Hansen, Judy S.
Kennewick, WA
Probationary license issued due to outstanding court debt. 9/19/2014 Consent Order Setting Conditions For Probationary Resident Producer’s License 14-0176
Comments:

Health Alliance Northwest Health Plan, Inc.
Wenatchee, WA
N/A 12/11/2014 N/A 14-0232
Comments: Order Granting Exemption to RCW 48.31C.030

Health Net Health Plan of Oregon Incorporated
Woodland Hills, CA
Failure to timely file in the proper format. 5/23/2014 $500 Fine 14-0093
Comments:

Hoiness, Clete D.
Moses Lake, WA
Knowingly making a false or misleading statement relative to an application for insurance; Misrepresenting the terms of a policy. 4/16/2014 Consent Order Levying A Fine - Fined: $2,000 with $1,000 suspended 14-0058
Comments:

Holleman, Victoria R.
Ellensburg, WA
Probationary license issued due to conviction for misdemeanor and outstanding court debt. 7/31/2014 Consent Order Setting Conditions For Probationary Producer's License 14-0155
Comments:

Houdei, Justin
St. Peter, MO
Engaging in or transacting the unauthorized business of insurance in the State of Washington; Seeking or soliciting insurance business in the State of Washington and participating, directly or indirectly, in any act of an insurance producer or insurance company in seeking or soliciting insurance business. 1/2/2014 Order To Cease And Desist 14-0001
Comments:

Howell, Sean S.
Bellevue, WA
Licensee filed seven life insurance applications with false information resulting in Licensee obtaining $308,335.68 in commissions to which he was not entitled. The Insurance Commissioner is authorized to Revoke Licensee’s license for knowingly making a false or misleading statement in or relative to an application for insurance to an insurer; Intentionally misrepresenting the terms of an actual or proposed insurance contract or application for insurance; Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, untrustworthiness, or financial irresponsibility in this state or elsewhere. 7/18/2014 Order Revoking License 14-0148
Comments:

Hutton Settlement, Inc.
Spokane, WA
Failure to timely file annual report. 1/6/2015 Consent Order Levying a Fine. 14-0236
Comments: Consent Order Levying a Fine.

iCan Benefit Group, LLC & iCan Insurance, LLC
Boca Raton, FL
Offering free prescription cards that appeared to have no maximum value and advertising insurance products to Washington residents through television, website, and telephone contacts, where no such products were actually being sold by iCan in Washington. 11/25/2014 Consent Order Levying a Fine - $5,000 with $2,500 suspended 13-0216
Comments:

Imperium Insurance Company
Houston, TX
Making or issuing an insurance contract or policy not in accordance with its rate filing then in effect; Failing to appoint a person acting as its agent. 2/14/2014 Consent Order Imposing A Fine - Fined $10,000 14-0013
Comments:

Indemnity Insurance Corporation
Sparks, MD
Indemnity Insurance has been found impaired by the Court of Chancery of the State of Delaware and the state of Washington finds the sale, solicitation, or issuance of any new policies by Indemnity Insurance would be hazardous to its policyholders, contractholders, creditors, and the public of this state. 1/29/2014 Order Suspending Registration 14-0011
Comments:

Insurance Finance Company LLC
West Des Moines, IA
Financing premiums for Washington insureds prior to obtaining a Washington license as a premium finance company. 10/20/2014 Consent Order Levying a Fine - $1,600 14-0180
Comments:

Insurance Finance Corporation
West Des Moines, IA
Company was financing insurance premiums in Washington without a license. 2/25/2014 Order to Cease And Desist 14-0030
Comments: COMPANY LICENSED TO DO BUSINESS IN WASHINGTON AS OF 05/19/2014

Jackson, Josh
Converse, TX
Failure to report administrative action; failure to respond. 3/19/2014 License revoked. 14-0053
Comments:

Jaskic Insurance
Portland, OR
Failure to report Oregon revocation. 9/18/2014 License revoked. 14-0182
Comments:

Jaskic, Indira
Portland, OR
Failure to report revocation of Oregon license. 9/18/2014 License revoked. 14-0182
Comments:

Jeter, Brandalyn D.
Spokane, WA
Probationary license issued due to felony convictions. 3/10/2014 Consent Order Setting Conditions For Probationary Producer's License 14-0019
Comments:

Johnson, Catherine
Milwaukee, WI
Washington license revoked due to having Wisconsine license (resident state) revoked. 6/12/2014 Order Revoking License 14-0125
Comments:

Joyner, Jaime Sue
Mukilteo, WA
License revoked due to intentionally misrepresenting the terms of an actual or proposed insurance contract or application for insurance; Using fraudulent, coercive, or dishonest practices, or demonstrating incompetence, or untrustworthiness, or financial irresponsibility in this state or elsewhere; Forging another’s name to an application for insurance or to any document related to an insurance transaction. 6/11/2014 Order Revoking License 14-0122
Comments:

Kanagaratnam, Stephanie S.
Roy, WA
Kanagaratnam was terminated and her license was revoked by the OIC for forging the agency owner’s signature and issuing nine checks made payable to her, her friends, and her fiancé for reimbursement of falsified insurance claims. 9/29/2014 Order Revoking License 14-0188
Comments:

Karla Padilla Reyna; KPR Insurance & Financial Services
Yakima, WA
Licensee retained the cash and checks that her clients paid her, instead of forwarding the funds properly or using the funds to pay the premiums for the clients’ policies; issued policies using her home address and phone number as the clients’ address or as the billing address for the policy; utilized unlicensed producers in her agency to generate quotes or submit applications; insured households without listing all drivers at the policy holder address on an auto policy; and issued coverage to consumers who did not have any legal or insurable interest in the vehicle being insured. 3/25/2015 License suspended 10/31/14 to 4/30/15. 14-0196
Comments: Licensee requested a hearing on order revoking license and, after hearing, the revocation was modified to a suspension of her license from October 31, 2014 to April 30, 2015; reinstated effective May 1, 2015.

Kelly, Kimberly A. d/b/a Peoples Insurance Agency, Inc.
Renton, WA
Using a disclosure form that failed to disclose a specific amount of commission received, failed to disclose the full legal name of the insurer, and failed to sufficiently explain contingent commissions or bonuses. This is a second violation for failure to properly disclose by Ms. Kelly and PIA. The previous consent order is OIC Order 11-0122. 9/25/2014 Consent Order Levying A Fine - Fined $750 14-0165
Comments:

Kleman Agency LLC, The
Bellingham, WA
Paid licensing fees on two separate occasions that did not clear the bank; OIC Financial Exam that concluded as “unacceptable.” 6/23/2014 Order Revoking License 14-0130
Comments:

L & B Enterprises Inc., d/b/a Tournament Pros, and Bob Rough and Jan-Michael Sherman
Thurmont, MD
Selling contracts to Washington golf tournament sponsors promising to pay specified amounts, or provide specific prizes, to tournament participants who win contests such as putting or chipping contests or who score a hole in one. Respondents failed to apply for and had not been granted, any license to solicit or sell insurance in this state which violations include failure to obtain a certificate of authority; solicitation by an unauthorized insurer; and knowing violations. 9/15/2014 Order To Cease And Desist 14-0178
Comments:

Laisney, Michael S.
Jacksonville Beach, FL
Failure to report Florida revocation. 9/11/2014 License revoked. 14-0174
Comments:

Lancet Indemnity Risk Retention Group, Inc.
Sarasota, FL
Issued seven policies before receiving Registration. 5/1/2014 $1,750 Fine 14-0065
Comments:

Landcar Agency, Inc.
Sandy, UT
Insolvent, with liabilities exceeding assets. 3/21/2014 Order Suspending Certificate of Registration 14-0055.
Comments:

Orders 51 to 100 of 192
First 50 Orders Previous 50 Orders Next 50 Orders Last 50 Orders
 

These enforcement actions taken by Mike Kreidler, Washington state Insurance Commissioner, are a primary tool in protecting the people of Washington.

Type of Entity Authority to Suspend or Revoke Authority to Fine
Agent or broker RCW 48.17.530 RCW 48.17.560
Insurance company RCW 48.05.140 RCW 48.05.185
Health care service contractor RCW 48.44.160 RCW 48.44.166
Health maintenance organization (HMO) RCW 48.46.130 and RCW 48.46.135

Updated 04/06/2014

See also

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