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Utah Insurance

2007 Administrative Actions

Insurers

Settlement Agreement & Consent Order

None

Cease and Desist Order

Vessel Assurance Co-Op: E-Case #2044; Order effective 9-07-07.
Violations: 31A-1-104 and 31A-1-102, Doing the business of insurance when not authorized or licensed to do so.
Cease and Desist

Suspension

None

Probation

None

Revocation

None

Forfeitures

Opticare of Utah: E-Case #1985; Order effective 9-21-07.
Violation: 31A-21-201; Using forms not filed with the department or amending insurance plans and not filing the changes with the department
Forfeiture: $2,000

IDS Property Casualty Insurance Company: E-Case #2019; Order effective 10-22-07.
Violations: 31A-23a-504(4)(c) – The Respondent was paying compensation for referrals based upon the purchase or sale; R590-154-11.A – The Respondent provided an inducement with an acquisition cost exceeding $3.00.
Forfeiture: $15,000 to be paid within 30 days.

Surrender

None


Individual & Agency Licensees

Cease and Desist Order

None

Revocations

Korte H. Wamsley Jr.: E-Case #2035; Order effective 10-11-07.
Violations: U.C.A. 31A-23A-111(5)(b)(ix); providing incorrect information on a license application. U.C.A. 31A-23A-105(2)(c)(i)(B)(II);
failed to notify the Department within 30 days of the initial pretrial hearing date of the criminal prosecution.
License Limitation: Revoked

Cindy Gibbons: E-Case #1851; Order effective 10-05-07.
Violations: 31A-23a-207(2), 31A-23a-111(5)(b)(i) and 31A-23a-111(5)(b)(xvi), Licensee was convicted of two felonies involving dishonesty and breach of trust; Licensee demonstrated that she no longer meets the character requirements to hold an insurance license.
License Limitation: Revoked

Cache Insurance Group, LLC: E-Case #2020; Order effective 10-05-07.
Violation: 31A-23a-111(5)(d), An agency is responsible for the acts of its agents.
License Limitation: Revoked

Tiffany Willer: E-Case #2029; Order effective 09-12-07.
Violations: 31A-23a-409(1)(b)(i) – A licensee may not commingle trust funds with the licensee’s own funds; 31A-23a-411.1(1)(b) – A person commits insurance fraud if that person knowingly fails to forward to the insurer a premium received from a policyholder, in-partial or in-total, of the premium due.
License Limitation: Revoked

Bradley Ryan Webb: E-Case #1983; Order effective 09-06-07.
Violations: 31A-23a-103(1)(a) – A person may not perform, offer to perform, or advertise any service as a producer without a valid individual or agency license issued under this chapter. 31A-23a-409(1)(b)(i) – A licensee may not commingle trust funds with the licensee’s own funds. 31A-23a-411.1(1)(b) – A person commits insurance fraud if that person knowingly fails to forward to the insurer a premium received from a policyholder in partial or total payment of the premium. 31A-23a-402(1)(a)(i) – A person who is or should be licensed under this title may not make or cause to be made any communication that contains false or misleading information, relating to an insurance product or contract.
License Limitation: Revoked

Susan Yeatman: E-Case #1905; Order effective 8-13-07.
Violations: Utah Administrative Rule, R590-102-15(7) – Respondent failed to pay an administrative forfeiture and address correction fee; 31A-2-308 – Mrs. Yeatman failed to obey an order of the commissioner.
License Limitation: Revoked
Forfeiture: $135

Cristina Vorher: E-Case #1990; Order effective 8-13-07.
Violations: Utah Administrative Rule, 31A-2-202 (4) – Respondent failed to submit a timely response to an inquiry from the commissioner; 31A-2-308 – Mrs. Vorher failed to obey an order of the commissioner.
License Limitation: Revoked
Forfeiture: $250

Lender Services Direct Title Insurance Agency, LLC; E-Case #1999; Order effective 6-15-07 with Imposition and Concurrence of Penalty effective 7-9-07.
Violations: 31A-23a-413 and R590-136 ?“ Failure to file an annual report and controlled business report for the calendar year 2006.
License Limitation: Revoked
Forfeitures: $500.00 previously imposed on 4/9/07 in Docket No. 2007-030 PC, plus $3,000.
Additional Activity: Default and Default Order 6/15/07.

Suspension

MillCreek Land Title Insurance, Inc; E-Case #1834; Order effective 12-03-07
Violation:31A-23a-103(1) – Respondent’s agency license lapsed. Respondent continued to operate as a title insurance agency without a license, conducting 19 Real Estate closings prior to reinstating its license.
License Limitation: Suspension of agency license for a period of 10 days, ending on December 12, 2007.
Forfeiture: $5,000

Probation

None

Forfeitures

Jeffrey Lynn Bangerter; E-Case #2093; Order effective 12-11-07.
Violation: 31A-23a-105(2)(c)- Respondent failed to disclose an administrative action taken against him by another regulatory agency in this state.
Forfeiture: $250.00 to be paid within 30 days of the date of the Order.

Richard Niece; E-Case #2104; Order effective 12-11- 07.
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against him by another regulatory agency in this state;
Forfeiture: $250 shall be paid within 30 days of the date of the Order.

One For The Money Financial Inc.; E-Case #2086; Informal Adjudicative Proceeding; Order effective 12-7-07.
Violations: Utah Administrative Rule R590-130-12 – misleading advertising, using symbols and other devices which demonstrated a connection to the federal government. Utah Administrative Rule R590-154-7 – Using a name other than the exact name appearing with the licensing division.
Forfeiture: $1,000

Marjorie Standifer, E-Case #1961; Order effective 8-13-07.
Violation: 31A-2-308; Failed to obey an order of the commissioner
License Limitation: Revoked. Cannot reapply for 5 years

David Thomason, E-Case #1962; Order effective 8-13-07.
Violation:31A-2-308; Failed to obey an order of the commissioner.
License Limitation: Revoked. Cannot reapply for 5 years.

David Joseph McGraw, E-Case #1957; Order effective 7-11-07.
Violation: 31A-2-308; Failed to obey an order of the commissioner
License Limitation: Revoked. Cannot reapply for 5 years

Great American Plan Administrators; E-Case #2069; Order effective 11-26-2007.
Violations: Respondent failed to disclose an administrative action in its renewal application. Respondent violated 31A-25-203(3) and 31A-2-202(6)
Forfeiture: $500

Integrated Title Insurance Services, LLC; E-Case #2023; Order effective 10-5-2007
Violation: R590-153-5.C- Respondent’s agent provided a credit against title and escrow fees.
Forfeiture: $1,000

Larry Mulcock; E-Case #2030; Informal Adjudicative Proceeding Order effective Aug. 1, 2007.
Violation: U.C.A. 31A-2-202(4), Mr. Mulcock failed to submit a timely response to an inquiry from the Commissioner.
Forfeitures: $250

USHealthcard, LLC AKA ( also known as) Qualified Health AKA Chamber Health and Meyer Gutnick; E-Case #1743; Order effective 5/9/2007.
Violations: 31A-4-102 and 31A-4-106, Respondents marketed a Limited Health Plan without having a Certificate of Authority; and 31A-8a-201, Respondents marketed a Health Discount program without a License. Cease marketing a Health Discount Program until receipt of a license.
Forfeiture: $95,0241.26

Donald William Burke; E-Case #1894; Order effective 5-2-2007.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Respondent failed to obey an order of the commissioner.
Forfeitures: $35 was to pay previous address correction fee; $100 was to pay for the previous forfeiture; $365 to pay current forfeiture.

Lyla J. Larson; E-Case #2036; Order effective 11-13-07.
Violation: 31A-23a-105(2)(b)(i)(A) – Respondent failed to report to the commissioner any administrative action taken against her in another jurisdiction.
License Limitation: 12 month probation
Forfeiture(s): $250 is due within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

License Surrendered

Francis Wrage; E-Case #2074; Order effective 11-08-07.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Failed to obey an order of the commissioner.
License Limitation: Surrendered in Lieu of Administrative Action. Cannot reapply for 5 years.

Danielle Tamarra Johnson; E-Case #2089; Order effective 11-10-07.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Failed to obey an order of the commissioner.
License Limitation: Surrender in Lieu of Administrative Action. Cannot reapply for 5 years.

License Denied

None

Letters of Admonition

None

2008 Administrative Actions

Insurers

Settlement Agreement & Consent Order

None

Cease and Desist Order

Consolidated Workers Association, Inc
Walter R Cecchini Jr
Claims & Benefits Management Inc
Brad Wessler
E-Case #2134; Order Effective 05-02-08.
Violations: 31A-1-104(1) and 31A-4-102(1) – In providing insurance without obtaining a certificate of authority from the Utah Insurance Department, Respondents Consolidated Workers Associations and Walter Cecchini are providing unauthorized insurance;
31A-15-102- By marketing and servicing of unauthorized insurance, Respondents Walter Cecchini, Claims & Benefit Management Inc, and Brad Wessler are in violation of assisting in the marketing and placement of health insurance in the State of Utah by an unauthorized insurer.
Additional Activity: Cease and Desist Order issued on 5-02-2008. Promptly pay any claims for benefits which may be incurred prior to this order.
Cease and Desist

HealthShare America
ChamberHealth U.S.A.
W.I.N. Association
Michael Bianchi
HealthShare Marketing
Edwin D. Wells
E-Case #2117; Cease and Desist; Order Effective 03-07-08.
Violations: 31A-1-104 and 31A-4-106- In doing an insurance business and providing health insurance without obtaining a certificate of authority from the Utah Insurance Department, Respondents are providing unauthorized insurance; 31A-15-102-Respondents HealthShare Marketing and Edwin D. Wells assisted in the marketing and placement of health insurance in the State of Utah by an unauthorized insurer;31A-23a-103 Respondents HealthShare Marketing and Edwin D. Wells acted as insurance producers in the State of Utah, when not licensed to do so.
Additional Activity: Cease and Desist Order issued on 3-07-08.
Cease and Desist

Suspension

None

Probation

None

Revocation

None

Forfeitures

None

Surrender

None


Individual & Agency Licensees

Cease and Desist Order

None

Revocations

Dana Sue Proft; E-Case #2317; Order effective December 17, 2008.
Violation: UCA 31A-2-308, in failing to obey an order of the commissioner.
License Limitation: Revoked

Kym Jemes; E-Case #2263; Effective December 18, 2008.
Violations:31A-23a-105(2) – Respondent failed to disclose other states administrative action taken against her license. 31A-23a-412(1)(c) – The Respondent failed to notify the office of the Commissioner of address change. 31A-2-202(4)(a) – The Respondent failed to respond to the office of the Commissioner.
License Limitation: Revoked

William Bland; E-Case #2264; Effective December 18, 2008.
Violations: 31A-23a-105(2) – Respondent failed to disclose other states administrative action taken against his license. 31A-23a-412(1)(c) – The Respondent failed to notify the office of the Commissioner of address change. 31A-2-202(4)(a) – The Respondent failed to respond to the office of the Commissioner.
License Limitation: Revoked

James E. Henrichsen; E-Case #2309; Order effective December 17, 2008.
Violations: 31A-23a-105(2) – Respondent failed to disclose criminal history. 31A-23a-111(5)(b)(ix) – Respondent provided information in an insurance application that is incorrect, misleading, incorrect, or materially untrue. 31A-23a-107(2) – Respondent fails to meet the character requirements to hold a license.
License Limitation: Revoked

Around the Clock Bail Bonds; E-Case #2205; Order effective November 4, 2008.
Violations: 31A-35-601(2) – The acts or conduct of any bail bond producer who acts in the scope of the authority delegated to him by the bail bond surety. Are considered to be the acts or conduct of the bail bond surety for which the bail bond producer is acting as agent; 31A-23a-402(1)(a)(i) – Respondent made a communication relating to an insurance contract that contains false and misleading information; 31A-23a-409 – Respondent violated trust obligations for funds collected; R590-186-7(8)- The Respondent failed to return collateral taken as security.
License Limitation: Revoked

Hometown Bail Bonds; E-Case #2205; Order effective November 4, 2008.
Violations: 31A-35-601(2) – The acts or conduct of any bail bond producer who acts in the scope of the authority delegated to him by the bail bond surety. Are considered to be the acts or conduct of the bail bond surety for which the bail bond producer is acting as agent; 31A-23a-402(1)(a)(i) – Respondent made a communication relating to an insurance contract that contains false and misleading information; 31A-23a-409 – Respondent violated trust obligations for funds collected; R590-186-7(8) – The Respondent failed to return collateral taken as security.
License Limitation: Revoked

Thomas Scott Hatrick; E-Case #2205; Order effective November 4, 2008.
Violations: 31A-23a-402(1)(a)(i) – Respondent made a communication relating to an insurance contract that contains false and misleading information; 31A-23a-409 – Respondent violated trust obligations for funds collected; R590-186-7(8) – The Respondent failed to return collateral taken as security.
License Limitation: Revoked
Forfeiture: $35,000 is suspended if all the collateral and premiums are returned in the Sahatvalieyev matter within 30 days.

Katrina Mullins; E-Case #2251; Order effective October 20, 2008.
Violation: R590-102-12(2) – Respondent failed to pay paper processing fee.
License Limitation: Revoked

Gary Brockett; E-Case #2214; Order effective October 20, 2008.
Violation: 31A-23a-202(3)(b)(i)(A) – Respondent failed to provide the Department of proof the continuing education hours were met.
License Limitation: Revoked

Akilah Williams; E-Case #2146; Order effective October 20, 2008.
Violation: 31A-23a-105(2)(b) Respondent failed to disclose criminal history and an administrative action taken against her by another state on her license application;
License Limitation: Revoked

Philip J. Timothy; E Case #2233; Effective September 22, 2008
Violation: Philip J Timothy was convicted of multiple felonies in the conduct of doing the business of insurance. Respondent’s conviction demonstrates that he no longer meets character requirements of UCA 31A-23a-107(2).
License Limitation: Revoked

Kieu My Wong; E-Case #2105; Order effective: 9-22-2008
Violations: 31A-23a-105(2) and 31A-2-202(6) – Respondent knowingly made a misstatement on a renewal application by failing to report actions taken by other states against Respondent’s insurance agent’s licenses in those states. 31A-23a-111(5)(b)(i) – Respondent is unqualified for a license; 31A-23a-111(5)(b)(ii)(A) – has violated an insurance statute; 31A-23a-111(5)(b)(ix) – has provided information in a license application that is incorrect, misleading or materially untrue; 31A-23a-111(5)(b)(xi) – has obtained a license through misrepresentation or fraud; and 31A-23a-111(5)(b)(xvii) – has had an insurance license denied or revoked in any other state.
License Limitation: Revoked

Jeffrey Robert O’Brien; E-Case #2175; Order effective September 17, 2008.
Violation: Default & Default Order, pursuant to Utah Code Annotated Section 63G-4-209, and more than 30 days having lapsed since the mailing of the Complaint and Notice of Formal Adjudicative Proceeding in this matter, and no response having been received, the default of the Respondent is hereby entered.
License Limitation: Revoked

Mike Padilla; E-Case #2141; Order effective September 17, 2008.
Violation: Default & Default Order, pursuant to Utah Code Annotated Section 63G-4-209, and more than 30 days having lapsed since the mailing of the Complaint and Notice of Formal Adjudicative Proceeding in this matter, and no response having been received, the default of the Respondent is hereby entered.
License Limitation: Revoked

Dee L. Magleby; E-Case #2113; Order effective June 30, 2008.
Violations: 31A-23a-105(2) – Respondent failed to disclose criminal activity at the time he applied for a license; 31A-23a-111(5)(b)(i) ?“ Respondent no longer is qualified for a license. 31A-23a-111(5)(b)(xi)- Respondent obtained a license through misrepresentation or fraud.
License Limitation: Revoked

Ava Gardner; E-Case #2054; Order effective July 1, 2008.
Violations: R590-102-15(7) & 31A-2-308: Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee.
License Limitation: Revoked

Steven D Brantley; E-Case #2028; Order effective 7-14-2008.
Violation: 31A-23a-111(5)(b)(i) Unqualified for a license and 111(5)(b)(ii)(a) has violated an insurance statue. Numerous violations of his fiduciary duties.
License Limitation: Revoked

Robert Wilcoxen; E-Case #2110; Order effective August 6, 2008.
Violations: 31A-23a-111 (5)(b)(i) – is unqualified for a license; -111(5)(b)(ii)(A), has violated an insurance statute; -111(5)(b)(xiii)(B), has intentionally misrepresented the terms of an application for insurance; -111(5)(b)(xi), has admitted or has been found to have committed any insurance fraud; -111(5)(b)(xvi), in the conduct of business has demonstrated untrustworthiness or financial irresponsibility; -111(5)(b)(xviii), has forged another’s name to an application of insurance; and -111(5)(b)(xxiv), has engaged in methods and practices in the conduct of business that endangers the legitimate interests of his customers and the public.
License Limitation: Revoked

Marla M Hall; E Case #2073; Effective August 13, 2008.
Violation: 31A-23a-107(2) – Respondent’s conviction of 2nd and 3rd degree felonies in the conduct of her insurance business demonstrate that she does not meet the character requirements to hold an insurance license.
License Limitation: Revoked

Marla’s Insurance; E Case #2073; Effective: August 13, 2008.
Violation: 31A-23a-111(5)(d) – The owner of Marla’s Insurance, Marla Hall, was convicted of several felonies in the conduct of her insurance business. Hall’s license was revoked.
If a natural person named on the agency license commits an act that is grounds for revoking the natural person’s license, the commissioner may revoke the agency license.
License Limitation: Revoked

Kristia Madison Barrow; E-Case #2204; Order effective August 12, 2008.
Violations: R590-102-12(2) – Respondent failed to pay a paper processing fee.
License Limitation: Revoked

Jason L Patterson; E-Case #2154; Order effective July 28, 2008.
Violations: 31A-23a-401(1)(a)(i) – Respondent made false or misleading information relating to an insurance policy. 31A-31-103(1) – Respondent committed a fraudulent insurance act. 31A-23a-409 – Respondent failed to forward premium received.
License Limitation: Revoked

Kenneth D. Dorris; E-Case #2071; Order effective July 1, 2008.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Mr. Dorris failed to obey an order of the commissioner.
License Limitation: Revoked
Forfeiture: $135

Joshua L. Bradshaw: E-Case #2137; Order effective July 8, 2008
Violations: Utah Administrative Rule R590-102-12(2) – Respondent failed to pay a paper processing fee. 31A-2-308 – failing to pay an administrative forfeiture and failure to obey an order of the Commissioner.
License Limitation: Revoked
Forfeiture: $125

Bonnie Lue Bartlett; E-Case #2050; Order effective: 7-1-08
Violations: R590-102-12(2) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and paper processing fee; 31A-2-308 – Ms. Bartlett failed to obey an order of the commissioner.
License Limitation: Revoked

Mark D. Foley: E-Case #2109; Order effective date July 8, 2008
Violations: Respondent was convicted of one count False/Fraudulent Insurance Claims, a 2nd degree felony, one count 3rd degree felony, Unlawful Dealing by a Fiduciary and a 2nd degree felony all dealing with the issuance of fraudulent surety bonds.
Respondent’s conviction demonstrates that he no longer meets character requirements of UCA 31A-23a-107(2). Issuing fraudulent surety bonds violates 31A-23a-402(1)(a)(i)
License Limitation: Revoked

Michael J Carreon; E-Case #2149; Order effective July 1, 2008.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to disclose criminal history at the time the Respondent applied for a license; 31A-2-308 – Mr. Carreon failed to obey an order of the commissioner.
License Limitation: Revoked

Wendy Evertsen; E-Case #1845; Formal Order of Hearing effective 3-31-08.
Violations: 31A-23a-402(1)(a)(i) – Made false and misleading statements relating to an insurance product; 31A-23a-107(2) – Actions demonstrated that Respondent does not meet the character requirements to hold an insurance producer’s license.
License Limitation: Revoked
Additional Activity: Formal Hearing was held 9/12/07.

Theresa Christine Miller; E-Case #2058; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner; 31A-2-308 – In failing to pay the address correction fee when due.
License Limitation: Revoked

Laurina Hardin; E-Case #2067; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Ms. Hardin failed to obey an order of the commissioner.
License Limitation: Revoked

Michelle Gonzales; E-Case #2066; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Ms. Gonzales failed to obey an order of the commissioner.
License Limitation: Revoked

Paula Houlot; E-Case #2064; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Ms. Houlot failed to obey an order of the commissioner.
License Limitation: Revoked

Aaron Sanders; E-Case #2052; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Mr. Sanders failed to obey an order of the commissioner.
License Limitation: Revoked

Brian Eighmy; E-Case #2048; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Mr. Eighmy failed to obey an order of the commissioner.
License Limitation: Revoked

Lynn Michaels; E-Case #2046; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Ms. Michaels failed to obey an order of the commissioner.
License Limitation: Revoked

Amanda Brammer; E-Case #2040; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Ms. Brammer failed to obey an order of the commissioner.
License Limitation: Revoked

Timothy Tressy; E-Case #2039; Order effective 02-19-08.
Violations: R590-102-15(7) – Respondent failed to obey the Order of the commissioner in failing to pay an administrative forfeiture and address correction fee; 31A-2-308 – Mr. Tressy failed to obey an order of the commissioner.
License Limitation: Revoked

Thomas Cavalari; E-Case #1993; Order effective 02-19-08.
Violation: U.C.A. 31A-2-308 for failing to obey an order of the Commissioner.
License Limitation: Revoked

Guy G. Cardinale; E-Case #2081; Order effective 01-16-08.
Violations: 31A-23a-111, 31A-23a-105(2) – Respondent having been convicted of a felony involving dishonesty or breach of trust, Respondent may not lawfully engage in the business of insurance. Respondent failed to report his convictions to the commissioner.
License Limitation: Revoked

Suspension

2nd Chance Bail Bonds; E-Case #2325; Order effective December 16, 2008.
Violation: 31A-35-504(3) Failure to pay judgment of bail bond forfeiture.
License Limitation: 63G-3-504 Emergency Order to suspended license for 15 days. Order lifted December 31, 2008.

Steven D Shemwell; E-Case #2018; Order effective 04-01-08
Violation: 31A-23a-402(1)(a)(i)- Respondent made or caused to be made, a communication that contained false or misleading information relating to an insurance policy;
License Limitation: Suspension 90 days
Forfeiture: $5,000 to be paid within 90 days after the termination of the suspension of his license. Respondent is to be placed on probation for a period of 24 months, beginning with the termination of the suspension.

Barbara Rufener; E-Case #2021; Order effective 02-28-08.
Violations: 31A-23a-402(1)(a)(i) ?“ Respondent made, caused to be made, or facilitated a communication that contained false or misleading information relating to an insurance policy; 31A-23a-111(5)(b)(xvi)(A) ?“ Respondent used fraudulent or dishonest practices in the conduct of business; 31A-23a-111(5)(xvi)(B)- Respondent demonstrated incompetence or untrustworthiness in the conduct of business.
License Limitations: 30 day suspension beginning March 1, 2008; 2 year probation to immediately follow the suspension.
Forfeiture: $1,000 to be paid by certified check within 45 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

Probation

Ross Erwin Goodman; E-Case #2339; Order effective March 23, 2008.
Violations: 31A-23A-402(1)(a)(i), R590-154-11(A) – Unfair inducement.
Forfeiture: $500
License Limitations: 12 months probation

Forfeitures

Lloyd Gale Fairbourn; E-Case #2458; Order effective February 17, 2008.
Violation: 31A-23a-105(2)(b) Respondent failed to disclose criminal history and an administrative action taken against him by another state on her license application.
Forfeiture: $250

Utah Title and Abstract Co. of Central Utah: E-Case #2550; Order effective November 18, 2008.
Violation: R590-11-4, R590-11-5 and 31A-23A-413. – Failure to timely file an Annual Report
Forfeiture: $2,000

Trinity Financial Services, LLC; E-Case #2246; Order effective December 15, 2008.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
Forfeiture: $500

Maynard G. Steffens; E-Case #2287; Effective December 30, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against him in another jurisdiction.
License Limitation: 12 months probation
Forfeiture:$500

Linda Dian Nielson; E-Case #2304; Effective December 30, 2008.
Violations: 31A-2-202(6) and 31A-23a-105(2) – The Respondent failed to disclose her criminal history at the time she filed her application for a license.
License Limitation: 24 months probation
Forfeiture: $500.

Nancy Marie Acevedo; E-Case #2279; Effective December 16, 2008.
Violations: 31A-23a-105(2) – Respondent failed to disclose criminal prosecution taken against her in another jurisdiction. 31A-2-202(6) – Respondent failed to provide accurate and complete information to the office of the Commissioner
License Limitation: 12 months probation
Forfeiture: $250

Thomas L. Makin; E-Case #2291; Order effective December 16, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose a previous administrative action taken against him
Forfeiture: $500.

Trinity Financial Services, LLC; E-Case #2246; Order effective 12-15-2008.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
Forfeiture: $500

Atlas Title Insurance Agency Inc; E-Case #2155; Order effective 11-12-2008.
Violations: 31A-23a-406(1)(c) – Respondent entered into escrow agreements where no real estate transaction was in process and title insurance was to be issued.
31A-19a-209(3) & R590-153-5(c) – Respondent failed to charge filed escrow rates in connection with escrow agreements.
License Limitation: Probation
Forfeiture: $2500.

Mountain View Title & Escrow Inc.; E-Case #2260; Order effective December 15, 2008.
Violation: 31A-23a-103(1)(c) – Respondent utilized the services of an unlicensed title escrow producer.
Forfeiture: $6,000

Utah First Title Insurance Agency Inc; E-Case #2150; Order effective October 14, 2008.
Violation: 31A-23a-406(1)(c) – Conducted a real estate escrow without issuing a title policy.
Forfeiture: $1,000.

Courtney K Taylor; E-Case #2151; Order effective October 14, 2008.
Violation: 31A-23a-406(1)(c) – Conducted a real estate escrow without issuing a title policy.
License Limitation: Probation for 6 months
Forfeiture: $1,500.

Mountain View Title & Escrow, Inc: E-Case #2114; Order effective October 14, 2008.
Violation: 31A-23a-402(1)(a)(i) – by making a communication relating to an insurance policy that contained false or misleading information, including information that is false or misleading because it is incomplete.
Forfeiture: $2,000

Rick D Hendry: E-Case #2115; Order effective October 14, 2008.
Violation: 31A-23a-402(1)(a)(i) – By making a communication relating to an insurance policy that contained false or misleading information, including information that is false or misleading because it is incomplete.
Forfeiture: $2,000

Thomas Scott Hatrick; E-Case #2288; Order effective November 4, 2008.
Violations: 31A-23a-402(1)(a)(i) – Respondent made a communication relating to an insurance contract that contains false and misleading information; 31A-23a-409 – Respondent violated trust obligations for funds collected; R590-186-7(8) – The Respondent failed to return collateral taken as security.
License Limitation: Revoked
Forfeiture: $35,000 is suspended if all the collateral and premiums are returned in the Sahatvalieyev matter within 30 days.

Brandon James Nelson; E-Case #2222; Order effective August 21, 2008.
Violation: 31A-23a-105(2) – Respondent provided false information in his application for license.
License Limitation: Probation
Forfeiture: $500

Maxim Insurance Service; E-Case #2176; Order effective September 8, 2008.
Violation: 31A23a-105(2) – Respondent failed to notify the department of an administrative action taken against it in another state within 30 days of the action becoming final.
Forfeiture: $750

Paul R. Wosnig; E-Case #2276; Order effective October 9, 2008.
Violation: 31A-2-202(4) – Respondent failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $250

Erik Jacobsen; E-Case #2244; Order effective October 07, 2008
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on license application.
License Limitation: 2 year probation
Forfeiture: $500

Ross Erwin Goodman; E-Case #2339; Order effective March 23, 2008.
Violations: 31A-23A-402(1)(a)(i), R590-154-11(A) – Unfair inducement.
Forfeiture: $500
License Limitation: 12 months probation

Robert James Walters; E-Case #2355; Order effective October 20, 2008.
Violation: 31A-23a-105(2)(b) Respondent failed to disclose criminal history and an administrative action taken against her by another state on her license application.
Forfeiture: $250

New World Title Insurance Company; E-Case #2198; Order effective June 18, 2008.
Violations: 31A-23a-413 and R590-136-4 and R590-135-5 – Failed to file an Annual Report with the Commissioner when due.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $1,000

Joe Edward Arregui; E-Case #2240; Order effective September 5, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history and administrative action taken against him on his application.
License Limitation: 12 month probation
Forfeiture: $500

John Yearsley; E-Case #2239; Order effective August 19, 2008.
Violation: 31A-23a-105(2) – The Respondent failed to disclose his criminal history at the time he filed his application.
License Limitation: 2 year probation
Forfeiture: $500

Patrick Richards Malin; E-Case #2216; Order effective Aug. 29, 2008.
Violations: U.C.A. 31A-23a-105(2)(b)(ii) – Respondent failed to report criminal prosecution to the Department; U.C.A. 31A-2-202 – Respondent did not provide accurate and complete information on licensing application.
License Limitation: Probation
Forfeiture: $250

Chad Huntsman; E-Case #2220; Order effective August 25, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on producer application.
License Limitation: One year probation.
Forfeiture: $250

Gifford Steven Baugh; E-Case #2118; Order effective July 14, 2008.
Violation: R590-153-6 B(2) – Respondent advertised in a publication that was published, produced for, distributed by on or behalf of a client.
Forfeiture: $500

Premier Title Insurance Agency; E-Case #2153; Order effective July 14, 2008
Violation: R590-153-6E – Respondent distributed self-promotional items that were edible to its clients.
Forfeiture: $500

Kimberly Sanborn; E-Case #2145; Order effective July 16, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on license application and failed to disclose an administrative action from another state.
License Limitation: Probation 1 year
Forfeiture: $500

Candace Phelps; E-Case #2165; Order effective June 26, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history at the time she applied for her license application.
Forfeiture: $250

The Frank Gates Service Company; E-Case #2152; Order effective June 3, 2008.
Violation: 31A-23a-105(2) – Respondent failed to report an administrative action by another jurisdiction within 30 days of the final disposition of the administrative action.
Forfeiture: $250

Crossland Title; E-Case #2107; Order effective: 4-8-08
Violation: 31A-19a-209(6) Conducted closings prior to filing its rates with the department.
License Limitation: Probation of License for 12 months.
Forfeiture: $8,000

Arthur Raymond Enos; E-Case #2133; Order effective April 3, 2008.
Violation: 31A-23a-105(2)(b)(i)(A) – Respondent failed to disclose an administrative action taken against him in another jurisdiction at the time he filed his application.
License Limitation: Probation; One year
Forfeiture: $250 to be paid within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

First Automotive Service Corporation; E-Case #2116; Order effective 03-24-08.
Violations: 31A-23a-105(2) & (3) – Respondent failed to notify the Department of any administrative action within 30 days in another jurisdiction.
Forfeitures: $250 paid within 30 days of the date of the Order

Barbara Rufener; E-Case #2021; Order effective 02-28-08.
Violations: 31A-23a-402(1)(a)(i) – Respondent made, caused to be made, or facilitated a communication that contained false or misleading information relating to an insurance policy; 31A-23a-111(5)(b)(xvi)(A) – Respondent used fraudulent or dishonest practices in the conduct of business; 31A-23a-111(5)(xvi)(B) – Respondent demonstrated incompetence or untrustworthiness in the conduct of business.
License Limitations: 30 day suspension beginning March 1, 2008; 2 year probation to immediately follow the suspension.
Forfeiture: $1,000

Advantage Title Company; E-Case #2122; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $3,000

Direct Title Insurance Agency, Inc.; E-Case #2130; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to timely file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $500

Lenders First Choice Agency of Utah, Inc.; E-Case #2127; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $1,000

Liberty Title Insurance Agency and Escrow, Inc.; E-Case #2128; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $1,000

National Title Agency; E-Case #2129; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $1,000

Nations Title Insurance Agency of Utah, Inc.; E-Case #2125; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $1,000

Professional Title Services; E-Case #2131; Informal Adjudicative Proceeding; Order Effective 2-19-08
Violations: 31A-23a-413 and R590-136 – Failure to timely file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $3,500

Summit Escrow & Title Insurance Agency, LLC; E-Case #2123; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $1,000

Utah Mountain Title & Escrow Insurance Agency; E-Case #2126; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $1,000

Utah Standard Title Insurance Agency; E-Case #2124; Informal Adjudicative Proceeding; Order effective 2-19-08.
Violations: 31A-23a-413 and R590-136 – Failure to file and annual report and controlled business report for the calendar year 2006.
Forfeiture: $2,000

Erik Jacobsen; E-Case #2244; Order effective October 07, 2008
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on license application.
License Limitation: 2 year probation
Forfeiture: $500 to be paid by October 17, 2008

John Yearsley; E-Case #2239; Order effective August 19, 2008.
Violation: 31A-23a-105(2) – The Respondent failed to disclose his criminal history at the time he filed his application.
License Limitation: 2 year probation
Forfeiture: $500 to be paid within 15 days of the date of the Order.

William J. Moore; E-Case #2031; Order effective 05-13-2008.
Violations: 31A-23a-411.1 failed to forward to the insurer premium received from insured; 31A-23a-402(1)(a)(i) gave false and misleading information to the insured
License Limitation: Individual license placed on probation for 24 months (05-13-2008 to 05-13-2010).
Forfeiture: $5,000.

Freedom Insurance Agency; E-Case #2031; Order effective 05-13-2008
Violation: 31A-23a-411.1 failed to forward to the insurer premium received from insured;
License Limitation: Agency license placed on probation for 24 months (5-13-2008 to 05-13-2010)
Forfeiture: $5,000

Joe Edward Arregui; E-Case #2240; Order effective September 5, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history and administrative action taken against him on his application.
License Limitation: 12 month probation
Forfeiture: $500 to be paid by September 15, 2008.

Patrick Richards Malin; E-Case #2216; Order effective Aug. 29, 2008.
Violation: U.C.A. 31A-23a-105(2)(b)(ii) – Respondent failed to report criminal prosecution to the Department; U.C.A. 31A-2-202 – Respondent did not provide accurate and complete information on licensing application.
License Limitation: Probation
Forfeiture: $250

Chad Huntsman; E-Case #2220; Order effective August 25, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on producer application.
License Limitation: One year probation.
Forfeiture: $250 to be paid within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

Kimberly Sanborn; E-Case #2145; Order effective July 16, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on license application and failed to disclose an administrative action from another state.
License Limitation: Probation 1 year
Forfeiture: $500 to be paid within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

Maynard G. Steffens; E-Case #2287; Effective December 30, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against him in another jurisdiction.
License Limitation: 12 months probation
Forfeitures: $500

Linda Dian Nielson; E-Case #2304; Effective December 30, 2008.
Violations: 31A-2-202(6) and 31A-23a-105(2) -The Respondent failed to disclose her criminal history at the time she filed her application for a license.
License Limitation: 24 months probation
Forfeiture: $500

Nancy Marie Acevedo; E-Case #2279; Effective December 16, 2008.
Violations: 31A-23a-105(2) – Respondent failed to disclose criminal prosecution taken against her in another jurisdiction. 31A-2-202(6) – Respondent failed to provide accurate and complete information to the office of the Commissioner
License Limitation: 12 months probation
Forfeiture: $250

Atlas Title Insurance Agency Inc; E-Case #2155; Order effective 11-12-2008.
Violations: 31A-23a-406(1)(c) ?“ Respondent entered into escrow agreements where no real estate transaction was in process and title insurance was to be issued.
31A-19a-209(3) & R590-153-5(c) – Respondent failed to charge filed escrow rates in connection with escrow agreements.
License Limitation: Probation
Forfeiture: $2,500

Michelle McGuire Jensen; E-Case #2250; Order effective December 15, 2008.
Violation: 31A-23a-406; 31A-23a-103(1)(a) – Respondent acted as a title escrow producer without being licensed.
License Limitation: Probation
Forfeiture: $5,000

Brandon James Nelson; E-Case #2222; Order effective August 21, 2008.
Violation: 31A-23a-105(2) – Respondent provided false information in his application for license.
License Limitation: Probation
Forfeiture: $500.

McKay Lee Vercimak; E-Case #2223; Order effective September 10, 2008.
Violation: 31A-23a-105(2) – Respondent provided false information in his application for a license.
License Limitation: Probation; One year
Forfeiture: $500 to be paid within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

Ronald Fuller; E-Case #2120; Order effective 03-13-08.
Violation: R590-23a-105(2)(b)(ii) – Respondent failed to report to the commissioner any criminal prosecution taken against him.
License Limitation: Probation; One year
Forfeiture: $250 payable within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

Crossland Title; E-Case #2107; Order effective: 4-8-08
Violation: 31A-19a-209(6) Conducted closings prior to filing its rates with the department.
License Limitations: Probation of License for 12 months.
Forfeiture:$8,000

Arthur Raymond Enos; E-Case #2133; Order effective April 3, 2008.
Violation: 31A-23a-105(2)(b)(i)(A) – Respondent failed to disclose an administrative action taken against him in another jurisdiction at the time he filed his application.
License Limitation: Probation; One year
Forfeiture: $250 to be paid within 30 days of the date of the Order and the respondent has no further similar violations or other substantive violations of the Insurance Code during the probation period.

License Surrendered

Aaron C. Crandall; E-Case #2051; Order effective: 4-10-08.
Violation: R590-102-15(7) – Respondent failed to pay address correction fee which was due on October 6, 2006.
License Limitation: Surrendered in Lieu of Administrative Action

Gladys Mary Brecht; E-Case #2139; Order effective 03-31-08.
Violation: R590-102-12(2) – Respondent failed to pay the paper application processing fee which was due by August 10, 2007.
License Limitation: Surrendered in Lieu of Administrative Action

Tonda Lea Davis; E-Case #2290; Effective December 7, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against the person in another jurisdiction.
License Limitation: Surrendered in Lieu of Administrative Action

Ashley N. Pedersen; E-Case #2041; Order effective: 1-30-08
Violation: R590-102-15(7) – Respondent failed to pay address correction fee which was due on November 29, 2006.
License Limitation: Surrendered in Lieu of Administrative Action

Scott Anthony Tesar; E-Case #2252; Agreement effective October 13, 2008.
Violation: R590-102-12(2) – Respondent failed to pay the paper application processing fee which was due by December 31, 2007.
License Limitation: Surrendered in Lieu of Administrative Action

Linda Torres; E-Case #2231; Agreement effective October 20, 2008.
Violation: 31A-23a-105(2) – Respondent failed to disclose criminal history on license application.
License Limitation: Surrendered in Lieu of Administrative Action

Jared Michael Johnson; E-Case #2206; Order effective July 2, 2008.
Violation: R590-102-12(2) – Respondent failed to obey the Order of the commissioner in failing to pay a non-electronic application fee.
License Limitation: Surrendered in Lieu of Administrative Action

Julie V. Cloutier; E-Case #2173; Order effective May 23, 2008.
Violations: R590-102-12(2) – Respondent failed to obey the Order of the commissioner in failing to pay a paper application processing fee; 31A-2-308 – Mrs. Cloutier failed to obey an order of the commissioner.
License Limitation: Surrendered in Lieu of Administrative Action

License Denied

None

Letters of Admonition

None

2009 Administrative Actions

Insurers

Settlement Agreement & Consent Order

None

Cease and Desist Order

None

Suspension

None

Probation

Discover Property & Casualty Insurance Company: E-Case #2350; Order effective March 9, 2009.
Violation: 31A-26-201 In utilizing the services of an adjuster that was not licensed in this state.
Forfeiture: $5,000
License Limitation: Probation 24 months

Revocation

DHR II, INC: E-Case #2545: Order effective October 29, 2009.
Violation: 31A-40-302(1) (A)(ii) Respondent failed to meet the requirement for the renewal of its Professional Employer Organization license.
License Limitation: Revoked

Medical Savings Insurance Company; E-Case #2404; Order effective July 1, 2009.
Violation: 31A-14-217-Grounds exists for delinquency proceeding under Chapter 27 of Utah Insurance Code if Respondent were a domestic insurer.
License Limitation: Revoked

Forfeitures

Molina Healthcare of Utah: E-Case #2587; Order effective December 29, 2009.
Violation: 31A-23a-202(4) Failure a timely respond.
Forfeiture: $750

Banker Fidelity Life Insurance Co.; E-Case #2478; Order effective August 6, 2009.
Violation: 31A-2-202(4), in failing to submit a timely response to an inquiry from the Commissioner.
Forfeiture: 750

Senior Health Co. of Pennsylvania; E-Case #2475; Order effective August 5, 2009.
Violation: 31A-2-202(4), in failing to submit a timely response to an inquiry from the Commissioner.
Forfeiture: 750

Ace American Insurance Co.: E-Case #2435; Order effective June 8, 2009.
Violation: 31A-21-201(1) (a) In utilizing an application form in the marketing that had not .been files the Commissioner in its final form.
Forfeiture: $141,500

PAYSOURCEUSA: E-Case #2401; Order effective April 7, 2009.
Violation: 31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $750

Motor Club of America Enterprises: E-Case #2455; Order effective July 2, 2009.
Violation: 31A-4-113.In failing to file its renewal for 2009.
Forfeiture: $1,000

Auto Club of America, Corp.: E-Case #2453; Order effective July 2, 2009.
Violation: 31A-4-113.In failing to file its renewal for 2009.
Forfeiture: $1,000

WESTERN NATIONAL TITLE INSURANCE COMPANY: E-Case #2388; Order effective May 11, 2009.
Violations: 31A-16-105(2)(c)(v))- Failure to report Form B;
31A-16-105(2)(c)(iv) Failure to file Form D;
31A-16-105(2)(c)(vi) Failure to report Reinsurance Agreement with parent company in Form B filing; &
31A-113.5(d) Failure to timely pay the annual NAIC filing fees.
Forfeiture: $3,000

Discover Property & Casualty Insurance Company; E-Case #2350; Order effective March 09, 2009.
Violation: 31A-26-201-In utilizing the services of an adjuster that was not licensed in this state.
Forfeiture: $5,000
License Limitation: Probation 24 months

Standard Security Life Ins. Co. of NY; E-Case #2381; Order effective February 24, 2009.
Violation: 31A-2-202(4) In failing to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $750

Surrender

None


Individual & Agency Licensees

Cease and Desist Order

Stewart Water Information, LLC. A Title Insurance Agency: E-Case #2282; Order effective August 13, 2009.
Violations: 31A-23a-111(6) & 31A-23a-103(1) In acting as a title insurance agency in the State of Utah after its license has lapsed.
License Limitation: Cease & Desist

National Home Protection, Inc.: E-Case #2433; Order effective June 10, 2009.
Violations: 31A-1-301(83) & 31A-1-301(85) In marketing, selling or issuing such contract in the State of Utah constitute the unauthorized business of insurance.
License Limitation: Cease and Desist

Revocations

American Standard Title Insurance Agency, LLC.: E-Case #2489; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear hearing.
License Limitation: Revoked

Clear Blue Title Insurance Agency, LLC: E-Case #2488; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear hearing.
License Limitation: Revoked

Mercury Transaction Services of Utah, Inc.: E-Case #2484; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear hearing.
License Limitation: Revoked

Legal Title LLC: E-Case #2485; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear hearing.
License Limitation: Revoked

First Colonial Title Inc: E-Case #2334; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear hearing.
License Limitation: Revoked

Elite Title Insurance Agency, Inc.: E-Case #2333; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear hearing.
License Limitation: Revoked

Michelle McGuire Jensen: E-Case #2250; Order effective December 14, 2009.
Violation: 63G-4-209 — Respondent or its attorney failed to appear at hearing.
License Limitation: Revoked

American Staffing Inc.: E-Case #2431; Order effective December 3, 2009.
Violations: 31A-23a-113 and R590-147-4 Failure to comply.
License Limitation: Revoked

Stacy Wyatt; E-Case #2330; Order effective November 18, 2009.
Violations: 31A-23-105 Submitting false information, 31A-2-202(6) Has been convicted of a crime, 31A-23a-107(2) 31A-23a-107(2) Provided false information
License Limitation: Revoked

Scott Ryals; E-Case #2425; Order effective November 10, 2009.
Violations: 31A-23a-111(5)(b)(ii)(A): Violated insurance statute; and 31A-111(5)(b)(xvii), had his insurance license revoked by another state.
License Limitation: Revoked

Todd K. Webster; E-Case #2470; Order effective October 29, 2009.
Violations: 31A-23a-406(3)(b) and 31A-23a-409(6): Converted funds held in escrow to own use
License Limitation: Revoked

Patriot National Title Ins. Agency; E-Case #2470; Order effective October 29, 2009.
Violations: 31A-23a-406(3)(b) and 31A-23a-409(6): Converted funds held in escrow to own use
License Limitation: Revoked

John Christopher South aka John Riqueros; E-Case #2530; Order effective October 29, 2009.
Violations: 31A-23a-409 Failure to forward funds to trust account; 31A-23a-411.1 Failure to forward premiums receive to insurer.
License Limitation: Revoked

Muyly H. Ung; E-Case #2430; Order effective October 14, 2009.
Violation: 31A-23a-105(1)(b)(x), Respondent failed to meet the requirements for the renewal of his insurance producers license.
License Limitation: Revoked

Misty Ann Johnson fka Misty Ann Tresner: E-Case #2357; Order effective September 30, 2009.
Violations: 31A-23a-107(2)-Character requirements not met; 31A-23a-402(1)(a)(i) Providing false or misleading information to department.
License Limitation: Revoked

Darin G. Perkins; E-Case #2481; Order effective August 11, 2009.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
License Limitation: Revoked

Mark Moyle; E-Case #2320; Order effective August 25, 2009.
Violations: 31A-23a-107(2), Respondent demonstrated that he does meet requirements to hold and agent’s license.
31A-23a-402 (1)(a)(ii)(B)(III), In creating and using duplicate powers of attorney to issue bail bonds
License Limitation: Revoked

Cynthia Clements; E-Case #2392; Order effective March 18, 2009.
Violation: UCA 31A-2-308, in failing to obey an order of the commissioner.
License Limitation: Revoked

Pamela A. Powell; E-Case #2343; Order effective January 12, 2009.
Violation: UCA 31A-2-308, in failing to obey an order of the commissioner.
License Limitation: Revoked

Dana Sue Proft; E-Case #2317; Order effective December 17, 2008.
Violation: UCA 31A-2-308, in failing to obey an order of the commissioner.
License Limitation: Revoked

John Gordon Cini: E-Case #2409; Order effective April 22, 2009.
Violation: 31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
License Limitation: Revoked

Craig Kendell Mason: E-Case #2408; Order effective April 22, 2009.
Violation: 31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
License Limitation: Revoked

Kylee Justine Brown; E-Case #2386; Order effective May 11, 2009.
Violations: 31A-23a-107(2) – Actions demonstrate that she does not meet the character requirements, competent and trustworthy, to hold an insurance license.
31A-23a-402(1)(A)(i) – Forged signatures of applicants on insurance applications.
31A-23a-111(5)(b)(i) – is unqualified for a license because:
31A-23a-111(5)(b)(i)(ii) – violated an insurance statute;
31A-23a-111(5)(b)(xvi) – used dishonest practices or demonstrates untrustworthiness in the conduct of business; and
31A-23a-111(5)(b)(xviii) – forging another’s names on an applications for insurance.
License Limitation: Revoked

Julie Kaye Holden; E-Case #2324; Order effective May 21, 2009.
Violation: 31A-2-202(6)-Submitting false information on application
31A-23a-105(2)-Failing to notify department of conviction
31A-23a-105(2)-Failed to report an administrative action taken against license
31A-23a-107(2)-Character requirements not met
31A-23a-111(5)(b)(i)- Unqualified for license
31A-23a-111(5)(b)(ii)- Failure to pay final judgment
31A-23a-111(5)(b)(ii)- Provided information on application that is incorrect, misleading, incomplete or materially untrue.
License Limitation: Revoked

Tamara Eryn Sibson; E-Case #2266; Order effective April 30, 2009.
Violation: 31A-2-202(4), Failing to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Christopher Glenn Graff: E-Case #2372; Order effective April 21, 2009.
Violation: 31A-23a-107(2) does not meet character requirements to hold an insurance agent’s license.
License Limitation: Revoked

Rick C Gates; E-Case #2193; Order effective 2/12/2009.
Violation:31A-23a-111 – Respondent was convicted of a felony.
License Limitation: Revoked

Bryan G Smith; E-Case #2353; Order effective April 15, 2009.
Violation: 31A-23a-107(2)-Demonstrated that he does not meet character requirements to hold an insurance license.
License Limitation: Revoked

Wayne Robert Wielgos; E-Case #2346; Order effective March 25, 2009.
Violation: 31A-23a-105 – Failed to report an administrative action taken against it by another state.
License Limitation: Revoked

Trevor D. Losse; E-Case #2342; Order effective February 26, 2009.
Violation: 31A-2-202(4)-failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Mark Ferguson; E-Case #2307; Order effective February 26, 2009.
Violation: 31A-2-202(4)-failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Dana Brett Polk; E-Case #2177; Order effective February 26, 2009
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
License Limitation: Revoked

Vindo V. Patel; E-Case #2321; Order effective February 26, 2009.
Violation: 31A-2-202(4)-failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Nelson Casceiro; E-Case #2338; Order effective February 26, 2009.
Violation: 31A-2-202(4) failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

William R. Hess; E-Case #2340; Order effective February 26, 2009.
Violation: 31A-2-202(4)-failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

John J. Lauber Jr.; E-Case #2347; Order effective February 24, 2009.
Violation: 31A-23a-107(2), Respondent failed to meet the character requirements for licensing.
License Limitation: Revoked

Rick C Gates; E-Case #2193; Order effective 2/12/2009.
Violation: 31A-23a-111 – Respondent was convicted of a felony.
License Limitation: Revoked

Suspension

All American Bail Bonds; E-Case #2376; Order effective February 23, 2009.
Violation: 31A-35-404 Failure to meet minimum financial requirements for a surety bond license.
License Limitation: Suspended 2-23-09 to 3-3-09.

Probation

Christopher Thomas Fairclough; E-Case #2432; Order effective November 23, 2009.
Violations: 31A-23a-105(2) Character requirements not met; and 31A-23a-107(2) – In submitting false information
Forfeiture: $250
License Limitation: Probation 12 months

Elmer Jared Quiroz; E-Case #2410; Order effective November 23, 2009.
Violations: 31A-23a-105(2) Character requirements not met; and 31A-23a-107(2) – In submitting false information
Forfeiture: $250
License Limitation: Probation 12 months

Steven B. Heinz; E-Case #2414; Order effective November 3, 2009.
Violations: 31A-23a-103(2) In using a name that was not licensed in connection with marketing of Insurance. 31A-23a-302(7), Both the individual licensee and the agency are liable for acts of the agent in performance of his duties.? 31A-23a-402(1)(a)(i) In making a communication that contains false or misleading information relating to an insurance product.
Forfeiture: $4,000
License Limitation: Probation 24 months.

Chad Thomas Rumfelt; E-Case #2395; Order effective March 26, 2009.
Violation(s): 31A-23a-107(a), Failure to notify revocation of license by another state.
License Limitation: Probation 12 months.
Forfeiture: $500

John Victor Wagner; E-Case #2219; Order effective May 20, 2009.
Violations: 31A-23a-105(2)-Failed to report an administrative action taken by another state.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $500
License Limitation: 12 months probation

Dragan Djordjevic; E-Case #2377; Order effective May 4, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $500
License Limitation: 24 months probation

Chad Keith Butler; E-Case #2352; Order effective May 4, 2009.
Violations: 31A-23a-302(1), Respondent acted as a representative of Title One Title Agency without being designated on the Agency?s license. Rule 590-153-6.B, In co-advertising with title clients.
Forfeiture: $250
License Limitation: Probation 12 months

Financial Harbor, LLC: E-Case #2384; Order effective April 27, 2009.
Violation: 31A-2-202(6)-In providing information on a license application that was incorrect misleading or materially untrue.
Forfeiture: $ 250
License Limitation: 12 months probation

Matthew Tyson Englestead; E-Case #2364; Order effective April 22, 2009.
Violations: 31A-23a-105(2) and, 31A-23a-202(6) – In submitting false information on application by stating he had not been convicted of a crime.
Forfeiture: $250
License Limitation: Probation 12 months

Colin Thomas Lillie; E-Case #2348; Order effective April 22, 2009.
Violation: 31A-23a-105(2) and, 31A-23a-202(6) – In submitting false information on application by stating he had not been convicted of a crime.
Forfeiture: $500
License Limitation: Probation 12 months

Daniel A. Gomez; E-Case #2359; Order effective March 24, 2009.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
Forfeiture: $250
License Limitation: Probation 24 months

Karl Jessop; E-Case #2322; Order effective March 3, 2009.
Violation: 31A-23a-105(2)(b) Respondent failed to disclose criminal history and an administrative action taken against her by another state on her license application;
Forfeiture: $250
License Limitation: 12 months probation

Forfeitures

Mede American Corporation: E-Case #2595; Order effective December 29, 2009.
Violation: 31A-23a-202(4) Failure a timely respond.
Forfeiture: $750

Athalon Group, LC: E-Case #2594; Order effective December 29, 2009.
Violation: 31A-23a-202(4) Failure a timely respond.
Forfeiture: $750

Molina Healthcare of Utah Inc. dba American Family Care of Utah Inc.: E-Case #2587; Order effective December 14, 2009.
Violation: 31A-2-202(4) Failure a timely respond to an inquiry from the Commissioner.
Forfeiture: $750

Christopher Thomas Fairclough; E-Case #2432; Order effective November 23, 2009.
Violations: 31A-23a-105(2) Character requirements not met; and 31A-23a-107(2) – In submitting false information
Forfeiture: $250
License Limitation: Probation 12 months

Elmer Jared Quiroz; E-Case #2410; Order effective November 23, 2009.
Violations: 31A-23a-105(2) Character requirements not met; and 31A-23a-107(2) – In submitting false information
Forfeiture: $250
License Limitation: Probation 12 months

Kevin Michael Michaud: E-Case #2565; Order effective November 18, 2009.
Violation: 31A-2-202(4) Failure to respond to an inquiry from the commissioner
Forfeiture: $250

Clearwater Settlements LLC: E-Case #2579; Order effective November 18, 2009.
Violation: 31A-2-202(4) Failure to respond to an inquiry of the commissioner
Forfeiture: $250

Deborah Williams; E-Case #2567; Order effective November 18, 2009.
Violation: R-590-102-12(2) Failure to pay fees to the commissioner
Forfeiture: $125

Steven B. Heinz; E-Case #2414; Order effective November 3, 2009.
Violations: 31A-23a-103(2) In using a name that was not licensed in connection with marketing of Insurance. 31A-23a-302(7), Both the individual licensee and the agency are liable for acts of the agent in performance of his duties.? 31A-23a-402(1)(a)(i) In making a communication that contains false or misleading information relating to an insurance product.
Forfeiture: $4,000
License Limitation: Probation 24 months.

William Shaw Frye; E-Case #2367; Order effective November 09, 2009.
Violations: R592-6-5-(5), In providing gift baskets to clients at a cost of over $5.00. 31A-23a-302(6), A person designated on an agency license is presumed to be acting on behalf of the agency. His acts are considered to be the acts of the agency.
Forfeiture: $500

Griffiths Turner/GT Turner Title Services Inc.; E-Case #2366; Order effective November 9, 2009.
Violations: R592-6-5-(5), In providing gift baskets to clients at a cost of over $5.00. 31A-23a-302(6), A person designated on an agency license is presumed to be acting on behalf of the agency. His acts are considered the acts of the agency.
Forfeiture: $1, 250

Southern Utah Title Company of Cedar City; E-Case #2313; Order effective October 29, 2009.
Violation: 31A-23a-506(1)(c), Respondent did not issue a title policy as part of a split settlement transaction.
Forfeiture: $5,000

Eastwood Title Insurance Agency, Inc.: E-Case #2516; Order effective September 30, 2009.
Violations: 31A-23a-202(4), Failure to respond in a timely manner; Rules R590-102 and R592-11, Failure to pay assessment when due.
Forfeiture: $1,500

Beehive Title Insurance Agency, LC: E-Case #2514; Order effective October 20, 2009.
Violations: 31A-23a-202(4), Failure to respond in a timely manner; Rules R590-102 and R592-11 Failure to pay assessment when due.
Forfeiture: $1,500

Cascade Title Insurance Agency, Inc.: E-Case #2502; Order effective September 2, 2009.
Violations: 31A-23a-202(4), Failure to respond in a timely manner; Rules R590-102 and R592-11 Failure to pay assessment when due.
Forfeiture: $1,000

Staffing America Inc.: E-Case #2341; Order effective June 6, 2009.
Violation: 31A-2-202(4), Failed to submit a timely response to the Commissioner.
Forfeiture: $500

United Agencies of California, Inc.: E-Case #2397; Order effective June 25, 2009.
Violation: 31A-23a-105(2) – Failed to report an administrative action taken by another state.
Forfeiture: $500

Hertz Claim Management Corporation; E-Case #2373; Order effective May 19, 2009.
Violation: 31A-2-201(1) – in acting as an independent adjuster without a license. As per 31A-2-308, respondent is subject to forfeitures of twice the amount of profits gained from violations.
Forfeiture: $59,500

Quality Payroll and Benefits; E-Case #2402; Order effective April 07, 2009.
Violations: 31A-23a-105(6), Failed to report an administrative action taken by another state.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $750

John Victor Wagner; E-Case #2219; Order effective April 22, 2009.
Violations: 31A-23a-105(2)-Failed to report an administrative action taken by another state.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $500
License Limitation: 12 months probation

United Healthcare Services, Inc.: E-Case #2314; Order effective May 19, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $750

Stephen Pickman; E-Case #2391; Order effective May 19, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $500

Judy Needham Prager; E-Case #2306; Order effective January 12, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $500

Mt. Olympus Title Agency; E-Case #2385; Order effective May 12, 2009.
Violation: 31A-23a-406(1) – In acting as an escrow agent in closing a real estate transaction when no policy was issued.
Forfeiture: $500

Mt. Olympus Title Agency; E-Case #2354; Order effective April 13, 2009.
Violation: R590-153-5-5.C – In charging lower fees for certain escrow services than those filed with the department.
Forfeiture: $1,000

Dragan Djordjevic; E-Case #2377; Order effective May 4, 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
Forfeiture: $500
License Limitation: 24 months probation

Benedict Canyon Productions; E-Case #2398; Order effective May 4, 2009.
Violation: 31A-2-202(6) – Failure to submit timely response to an inquiry from the Commissioner.
Forfeiture: $750

Financial Harbor, LLC; E-Case #2384; Order effective April 27, 2009.
Violation: 31A-2-202(6) – In providing information on a license application that was incorrect misleading or materially untrue.
Forfeiture: $250
License Limitation: 12 months probation

Matthew Tyson Englestead; E-Case #2364; Order effective April 22, 2009.
Violations: 31A-23a-105(2) and, 31A-23a-202(6) – In submitting false information on application by stating he had not been convicted of a crime.
Forfeiture: $250
License Limitation: Probation 12 months

Colin Thomas Lillie; E-Case #2348; Order effective April 22, 2009.
Violations: 31A-23a-105(2) and, 31A-23a-202(6) – In submitting false information on application by stating he had not been convicted of a crime.
License Limitation: Probation 12 months
Forfeiture: $500

Title One A Utah Corporation: E-Case #2351; Order effective April 03, 2009.
Violation: 31A-23a-302(1), In allowing Mr. Chad Butler to act as a title marketing representative without being designated on its license.
Forfeiture: $1,500

A-Affordable Bail Bonds: E-Case #2292; Order effective February 07, 2009.
Violation: 31A-35-607-In using forms that had not been filed with the department.
Forfeiture: $1,000

Charlotte Coles Goldston: E-Case #2387; Order effective March 26, 2009.
Violation: 31A-2-1-failed to comply with previous order.
Forfeiture: $100

Essex National Securities, Inc; E-Case #2273; Order effective March 26, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $750

Daniel A. Gomez; E-Case #2359; Order effective March 24, 2009.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
Forfeiture: $250
License Limitation: Probation 24 months

Healthwise; E-Case #2375; Order effective March 5, 2009.
Violation: 31A-2-202(4) – Respondent failed to timely respond to an inquiry from the Commissioner.
Forfeiture: $750.
Additional Activity: Provide requested information.

Regence BlueCross BlueShield; E-Case #2374; Order effective March 5, 2009.
Violation: 31A-2-202(4) – Respondent failed to timely respond to an inquiry from the Commissioner.
Forfeiture: $750
Additional Activity: Provide requested information.

Speedy Release Bail Bonds; E-Case #2112; Order effective February 26, 2009.
Violation: Rule R590-130-12.a – Advertising under a name it was not licensed for.
Forfeiture: $6,000.

Karl Jessop; E-Case #2322; Order effective March 3, 2009.
Violation: 31A-23a-105(2)(b) – Respondent failed to disclose criminal history and an administrative action taken against her by another state on her license application
Forfeiture: $250
License Limitation: 12 months probation

Speedy Release Bail Bonds; E-Case #2112; Order effective February 26, 2009
Violation: Rule 590-130-12.a – Advertising under a name it was not licensed for.
Forfeiture: $6,000.

Steven Robert Mechanic; E-Case #2236; Order effective February 02, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $250

Premier Title Insurance Agency, Inc.: E-Case #2362; Order effective January 29, 2009.
Violation: R590-153.In charging a fee less than the minimum files charges.
Forfeiture: $1,000

Linda Dian Nielson; E-Case #2304; Order effective January 12, 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
License Limitation: 12 months probation
Forfeiture: $500

Maynard G. Steffens; E-Case #2287; Order effective January 12, 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
License Limitation: 12 months probation
Forfeiture: $500

Sheila Lynn Holmes; E-Case #2280; Order effective January 27, 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
License Limitation: 12 months probation
Forfeiture: $500

ECU LLC, aka East Coast Underwriters, LLC; E-Case #2275; Order effective January 26, 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
Forfeiture: $750

Stephen C. Leisher; E-Case #2269; Order effective January 13 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
License Limitations: 12 months probation
Forfeiture: $250

Stephen Ray Arnold; E-Case #2261; Order effective January 06, 2009.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against it by another state.
Forfeiture: $ 250

Wasatch Land & Title Insurance; E-Case #2158; Order effective January 22 2009.
Violation: 31A-23a-402(2)(c) In charging a re-issue rate for a title insurance policy when such was not justified.
Forfeiture: $5,000

Jeremy Alexander Wolf; E-Case #2305; Order effective February 9, 2009.
Violation: 31A-23a-105(2)-failed to report an administrative action taken against it by another state.
Forfeiture: $500

Jason Alan Best; E-Case #2180; Order effective January 13, 2009.
Violation: 31A-23a-105(2)(b) Respondent failed to disclose criminal history and an administrative action taken against her by another state on her license application.
Forfeiture: $500

Steven C. Leisher; E-Case #2269; Effective January 13, 2009.
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against him in another jurisdiction.
License Limitation: 12 months probation.
Forfeiture: $250

Stephen Ray Arnold; E-Case #2261; Effective January 6, 2009.
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against him in another jurisdiction. License Limitation: None
Forfeiture: $250

License Surrendered

Valley Title Insurance Agency of St. George: E-Case #2551; Order effective March 2, 2010.
Violations: 31A-23a-413 Failure to file an Annual Report and Controlled Business Report with Commissioner when due; R590-102-413 Failure to pay assessment when due;?and 31A-23a-202(4) Failure to submit a timely response.
License Limitation: Surrender in Lieu

Intermountain Consulting Group, Inc.: E-Case #2625; Order effective February 8, 2010
Violation: 31A-2-201
License Limitation: Surrender in Lieu

Janice Michelle Clairmont: E-Case #2418; Order effective November 29, 2009.
Violations 31A-23a-105(2) Failure to of other states actions. 31A-2-202(6) All information submitted to the commissioner shall be accurate.
License Limitation: Surrender in Lieu

Michael Townsley; E-Case #2434; Order effective: 7-7-2009.
Violation: 31A-23a-402 – Unfair marketing practices. Respondent rebated one month’s premium to the insured.
License Limitation: Surrender in Lieu

Annette Toms Dickenson; E-Case #2422, Order effective: 5-26-2009
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against the person in another jurisdiction.
License Limitation: Surrender in Lieu

Melinda Rene Pontruff; E-Case #2363; Order effective: 2-9-2009
Violation: 31A-23a-105(2) – Respondent failed to disclose an administrative action taken against the person in another jurisdiction.
License Limitation: Surrender in Lieu

License Denied

Franklin Rayburn; E-Case #2492; Order effective March 29, 2009.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Matthew J. Bishop; E-Case #2441; Order effective November 11, 2009.
Violation: 31A-23a-107: Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Modibo Diallo; E-Case #2393; Order effective May 11, 2009.
Violation: 31A-23a-107(2)-Failure to meet character requirements.
License Limitation: License Denied

Nicole Anne Esplin; E-Case #2368; Order effective May 11, 2009.
Violation: 31A-23a-107 – Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Jorie Scott Loomis; E-Case #2356; Order effective May 4, 2009.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Haili Crandall; E-Case #2327; Order effective February 26, 2009.|
Violation: 31A-23a-107 – Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Stephen Wesley Oliver; E-Case #2319; Order effective January 22, 2009.
Violation: 31A-23a-107 – Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Brian Gabriel Krupa; E-Case #2286; Order effective January 22, 2009.
Violation: 31A-23a-107 – Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Randy Lamar Bloomquist; E-Case #2285; Order effective January 22, 2009.
Violation: 31A-23A-107 – Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Royce Rodgers; E-Case #2284; Order effective January 22, 2009.
Violation: 31A-23a-107 – Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Public Letter of Admonition

Crown Title Insurance Agency, Inc.; I-Case #56888 – Dated June 2, 2009.
Violation: 31A-23a-103. – From November 30, 2008 to January 22, 2009, Crown Title Insurance Agency, Inc. conducted title insurance business during the time the license was lapsed. Evidence of any similar activities in the future may be cause for commencement of an administrative proceeding, which may result in the imposition of sanctions or penalties.
Public Letter of Admonition

2010 Administrative Actions

Insurers

Settlement Agreement & Consent Order

None

Cease and Desist Order

Equus Fidelity Corporation – Unlicensed: E-Case #2684; Order June 22, 2010.
Violations: 31A-1-102, 31A-1-104, 31A-15-102 In advertising, soliciting, placing, receiving premiums, and issuing evidence of insurance, and in doing an unauthorized insurance business; 63G-4-502 Respondent’s actions constitutes an immediate and significant danger to the welfare of citizens of the state of Utah.
License Limitation: Cease and Desist

Suspension

None

Probation

Statewide Bonding LLC, E-Case #2503; Order effective March 30, 2010.
Violations: 31A-35-404 Sets forth the minimum financial requirement for a bail bond surety license. R590-186-5 requires renewal of bail bond surety company’s license on or before July 15 of each year. R590-186-7 Prohibits a bail bond surety business from engaging in any unprofessional conduct.
Forfeiture: $250
License Limitation: 12 Months Probation

Revocation

Medical Savings Insurance Company: E-Case #2513; Order effective March 2, 2010.
Violations: 31A-14-217, respondent’s Certificate of Authority should be revoked; grounds exist for delinquency proceeding under Chapter 27.
License Limitation:  Revoked.

National States Insurance Company: E-Case #2740; Effective Date: December 7, 2010.
Violation: 31A-14-217, Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: Certificate of Authority revoked

Benicorp Insurance Company: E-Case #2719; Order effective September 27, 2010.
Violation: 31A-14-217, Financial Impairment.
License Limitation: Revoked

The Insurance Corporation of New York: E-Case #2700; Order Effective September 27, 2010.
Violation: 31A-14-217, Financial Impairment.
License Limitation: Revoked.

Imerica Life & Health Insurance Company: E-Case #2686; Order effective September 27, 2010.
Violation: 31A-14-217, Financial impairmnet.
License Limitation: Revoked.

Imperial Casualty & Indemnity Company: E-Case #2685; Order effective September 27, 2010.
Violation: 31A-14-217 Financial impairment.
License Limitation: Revoked

Forfeitures

Regence BlueCross BlueShield of Utah: E-Case #2751; Order effective December 15, 2010.
Violation: 31A-22-607 Respondent failed to pay 355 claims submitted during the 30-day grace period.
Forfeiture: $87,500

Security National Life Insurance Company: E-Case #2669; Order effective September 14, 2010.
Violations: 31A-23a-205(a)-Failing to pay examination invoices within 10 days after date of the invoice.
Forfeiture: $15,000

Utah Business Insurance Company; E-Case #2680; Order effective September 28, 2010.
Violation: 31A-23a-115 Failing to maintain current and accurate information regarding its agency and individual producer appointments with the Utah Insurance Department.
Forfeiture: $1,500

Gerber Life Insurance Company: E-Case #2715; Order effective August 12, 2010.
Violation: 31A-2-202(4) Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $ 1,500

Americo Financial Life & Annuity Insurance Company; E-Case #2636; Order effective June 15, 2010.
Violation: R590-79-6 Failing to include the disclosure on policies written before January 7, 2010.
Forfeiture: $7,000

Humana Insurance Company; E-Case #2675; Order effective June 15, 2010.
Violation: 31A-22-607 Respondent was in violation on six occasions from April 2008 through November 2009 when it denied claims for services during the 30-day grace period.
Forfeiture: $3,000

American Income Life Insurance; E-Case #2591; Order effective March 8, 2010.
Violation: 31A-23a-115(1)(a) Had a producer conducting business on its behalf without an appointment.
Forfeiture: $3,000

Old American Insurance Company; E-Case #2468; Order effective February 23, 2010.
Violations: 31A-23a-401 Use any advertisement or other insurance promotional material that would cause a reasonable person to mistakenly believe that a state or federal government agency; Rule R590-130(12)(c) Advertisements, envelopes or stationery with employs words, letters, initials, symbols or other devices, which are so similar to those used in governmental agencies.
Forfeiture: $22,500

Surrender

Midwest Security Life Insurance Company: E-Case #2655; Order effective September 27, 2010.
Violation: 31A-14-216; Order of release from regulation in the State of Utah.
License Limitation: COA Surrendered


Individual & Agency Licensees

Cease and Desist Order

Timothy Vest; E-Case #2753; Order effective December 28, 2010.
Violation: 31A-34-104 (1) A person must be licensed as an alliance pursuant to this chapter to directly or indirectly make available or otherwise arrange for health insurance through multiple unaffiliated insurers through the use of coordinated actuarial models, coordinated underwriting, or coordinated marketing methodologies.
License Limitation: Cease and Desist

MLM Group; E-Case #2753; Order effective December 28, 2010.
Violation: 31A-34-104 (1) A person must be licensed as an alliance pursuant to this chapter to directly or indirectly make available or otherwise arrange for health insurance through multiple unaffiliated insurers through the use of coordinated actuarial models, coordinated underwriting, or coordinated marketing methodologies.
License Limitation: Cease and Desist

Athalon TPA Group; E-Case #2753; Order effective December 28, 2010.
Violation: 31A-15-102 Respondent acted as a third party administrator for Respondent MLM, an unlicensed, unauthorized insurer.
License Limitation: Cease and Desist

Denise Nielsen; E-Case #2753; Order effective December 28, 2010.
Violations: 31A-2-308(10) and 31A-15-102(5) – Any person who knowingly provides or assists in placing unauthorized insurance in the State of Utah is guilty of a felony.
License Limitation: Cease and Desist

Adam J. Bennett; E-Case #2753; Order effective December 28, 2010.
Violations: 31A-2-308(10) and 31A-15-102(5) – Any person who knowingly provides or assists in placing unauthorized insurance in the State of Utah is guilty of a felony.
License Limitation: Cease and Desist

Sean T. Vest; E-Case #2753; Order effective December 28, 2010.
Violations: 31A-2-308(10) and 31A-15-102(5) – Any person who knowingly provides or assists in placing unauthorized insurance in the State of Utah is guilty of a felony.
License Limitation: Cease and Desist

Aaron Davis – Unlicensed: E-Case #2684. Order June 22, 2010.
Violations: 31A-1-102, 31A-1-104, 31A-15-102 In advertising, soliciting, placing, receiving premiums, and issuing evidence of insurance, and in doing an unauthorized insurance business. 63G-4-502 Respondent’s actions constitutes an immediate and significant danger to the welfare of citizens of the state of Utah.
License Limitation: Cease and Desist

John Sawyer – Unlicensed: E-Case #2684. Order June 22, 2010.
Violations: 31A-1-102, 31A-1-104, 31A-15-102 In advertising, soliciting, placing, receiving premiums, and issuing evidence of insurance, and in doing an unauthorized insurance business. 63G-4-502 Respondent’s actions constitutes an immediate and significant danger to the welfare of citizens of the state of Utah.
License Limitation: Cease and Desist

AIM Health Plans aka AIM Guaranteed Issue Health Insurance; E-Case #2588, Emergency Administrative Proceeding. Cease and Desist effective March 15, 2010.
Violations: 31A-1-301(74)(a) Not licensed or authorized to conduct business of insurance or market insurance; 31A-1-104 & 31A-4-106 Doing an insurance business and providing health insurance without having Certificate of Authority; 31A-15-102 Assisting in the placement of unauthorized insurance; 31A-1-301(87) Acting as insurance producers in marketing insurance; 31A-23a-103 Acting as insurance producers when not licensed to do so; 63G-4-502 Respondent’s action in providing and marketing unauthorized insurance in the State of Utah constitute an immediate and significant danger to the public welfare.
License Limitation: Immediately cease and desist.

Louis DeLuca, aka Louis Richard DeLuca, III; E-Case #2588, Emergency Administrative Proceeding. Cease and Desist effective March 15, 2010.
Violations: 31A-1-301(74)(a) Not licensed or authorized to conduct business of insurance or market insurance; 31A-1-104 & 31A-4-106 Doing an insurance business and providing health insurance without having Certificate of Authority; 31A-15-102 Assisting in the placement of unauthorized insurance; 31A-1-301(87) Acting as insurance producers in marketing insurance; 31A-23a-103 Acting as insurance producers when not licensed to do so; 63G-4-502 Respondent’s action in providing and marketing unauthorized insurance in the State of Utah constitute an immediate and significant danger to the public welfare.
License Limitation: Immediately cease and desist.

Insurance Resource Group; E-Case #2588 Emergency Administrative Proceeding. Cease and Desist effective March 15, 2010.
Violations: 31A-1-301(74)(a) Not licensed or authorized to conduct business of insurance or market insurance; 31A-1-104 & 31A-4-106 Doing an insurance business and providing health insurance without having Certificate of Authority; 31A-15-102 Assisting in the placement of unauthorized insurance; 31A-1-301(87) Acting as insurance producers in marketing insurance; 31A-23a-103 Acting as insurance producers when not licensed to do so; 63G-4-502 Respondent’s action in providing and marketing unauthorized insurance in the State of Utah constitute an immediate and significant danger to the public welfare.
License Limitation: Immediately cease and desist.

Integrated Insurance Marketing Inc.; E-Case #2588 Emergency Administrative Proceeding. Cease and Desist effective March 15, 2010.
Violations: 31A-1-301(74)(a) Not licensed or authorized to conduct business of insurance or market insurance; 31A-1-104 & 31A-4-106 Doing an insurance business and providing health insurance without having Certificate of Authority; 31A-15-102 Assisting in the placement of unauthorized insurance; 31A-1-301(87) Acting as insurance producers in marketing insurance; 31A-23a-103 Acting as insurance producers when not licensed to do so; 63G-4-502 Respondent’s action in providing and marketing unauthorized insurance in the State of Utah constitute an immediate and significant danger to the public welfare.
License Limitation: Immediately cease and desist.

Gary L. Karns Jr.; E-Case #2588 Emergency Administrative Proceeding. Cease and Desist effective March 15, 2010.
Violations: 31A-1-301(74)(a) Not licensed or authorized to conduct business of insurance or market insurance; 31A-1-104 & 31A-4-106 Doing an insurance business and providing health insurance without having Certificate of Authority; 31A-15-102 Assisting in the placement of unauthorized insurance; 31A-1-301(87) Acting as insurance producers in marketing insurance; 31A-23a-103 Acting as insurance producers when not licensed to do so; 63G-4-502 Respondent’s action in providing and marketing unauthorized insurance in the State of Utah constitute an immediate and significant danger to the public welfare.
License Limitation: Immediately cease and desist.

CEO Clubs Inc. aka, Chief Executive Officers Club; E-Case #2588 Emergency Administrative Proceeding. Cease and Desist effective March 15, 2010.
Violations: 31A-1-301(74)(a) Not licensed or authorized to conduct business of insurance or market insurance; 31A-1-104 & 31A-4-106 Doing an insurance business and providing health insurance without having Certificate of Authority; 31A-15-102 Assisting in the placement of unauthorized insurance; 31A-1-301(87) Acting as insurance producers in marketing insurance; 31A-23a-103 Acting as insurance producers when not licensed to do so; 63G-4-502 Respondent’s action in providing and marketing unauthorized insurance in the State of Utah constitute an immediate and significant danger to the public welfare.
License Limitation: Immediately cease and desist.

Bronson Insurance Agency; E-Case #2626: Notice of Emergency Administrative Proceeding. Cease and Desist effective February 1, 2010.
Violations: 31A-23a-103(a) & 31-A-23a-301 In acting as an insurance agency without a license;
31A-23a-409 Failing to forward premiums received to the intended payee or to deposit them into trust account.
License Limitation: Immediately cease and desist.

Darrin M. Bronson; E-Case #2626: Emergency Administrative Proceeding. Cease and Desist effective February 1, 2010.
Violations: 31A-23a-402(1)(a)(i) Providing false or misleading information in connection with the insurance policy; 31A-23a-408 Acting as an agent for insurers to whom he is not contracted; 31A-23a-409 Failing to forward premiums received to the intended payee or to deposit them into trust account; 31A-23a-103-(1) In acting as an insurance agency without a license; 31A-23a-412-(2) & R-590-170-7 Failing to keep appropriate business and accounting records regarding policies sold and premiums received.
License Limitation: Immediately cease and desist.

Shannon Riche-Bronson; E-Case #2626: Emergency Administrative Proceeding. Cease and Desist effective February 1, 2010.
Violations: 31A-23a-402(1)(a)(i) Providing false or misleading information in connection with the insurance policy; 31A-23a-408 Acting as an agent for insurers to whom he is not contracted; 31A-23a-409 Failing to forward premiums received to the intended payee or to deposit them into trust account; 31A-23a-103-(1) In acting as an insurance agency without a license; 31A-23a-412-(2) & R-590-170-7 Failing to keep appropriate business and accounting records regarding policies sold and premiums received.
License Limitation: Immediately cease and desist.

A Active Insurance Agency, Inc.; E-Case #2626: Notice of Emergency Administrative Proceeding. Cease and Desist effective February 1, 2010.
Violations: 31A-23a-103(a) & 301 In acting as an insurance agency without a license; 31A-23a-409 Failing to forward premiums received to the intended payee or to deposit them into trust account.
License Limitation: Immediately cease and desist doing any business in the State of Utah.

James W. Riche; E-Case #2626: Emergency Administrative Proceeding. Cease and Desist effective February 1, 2010.
Violations: 31A-23a-103(1)(c) Utilizing the services of an unlicensed agent and an unlicensed agent in the marketing of insurance.
License Limitation: Immediately cease and desist.

Revocations

Tyran Pierre Pippen; E-Case #2446; Order effective: April 1, 2010.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: Revoked

Melanie Mannos: E-Case #2683; Order effective November 3, 2010.
Violations: 31A-23a-105(2)(b) – Failing to report criminal activity to the Commissioner;
31A-23-107(2) – Respondent actions show she does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

Cameron H. Cox; E-Case #2710; Order effective: September 16, 2010.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: Revoked

Atlantic Mutual Insurance Company: E-Case #2698; Order effective August 10, 2010.
Violation: 31A-14-217, Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: Revoked

Johnny E Maestas; E-Case #2679; Order effective October 14, 2010
Violation: G63-4-209, Respondent failed to respond or file an answer to the default.
License Limitation: Revoked

Utah Trust Insurance Agency, Inc; E-Case #2679; Order effective October 14, 2010
Violation: G63-4-209, Respondent failed to respond or file an answer to the default.
License Limitation: Revoked

Lenders First Choice Agency of Utah, Inc: E-Case #2501; Order Effective September 13, 2010.
Violation: 31A-2-202(4): Failure to appear at hearing for an Order to Show Cause. Default Order.
License Limitation: Revoked

Shanna Lynn Stone aka Shanna Holman Sheppard; E-Case #2592 Order effective September 13, 2010.
Violations: 31A-23a-105(2) Failed to provide information in the license application.
31A-23a-111(5)(b)(i) Unqualified for license. 31A-23a-111(5)(b)(iv) Failed to pay a final judgment rendered against her in that state within 60 days after the judgment became final.
License Limitation: Revoked

Bryon Latrent Bradley; E-Case #2696; Order effective September 13, 2010
Violation: Violation: G63-4-209 Respondent failed to respond or file an answer to the default.
License Limitation: Revoked

Jacqueline Ann Germain; E-Case #2656; Order effective September 13, 2010
Violation: G63-4-209 Respondent failed to respond or file an answer to the default.
License Limitation: Revoked

Heather M. Hill; E-Case #2524; Order effective June 29, 2010.
Violations: 31A-23a-105 Failed to report an administrative action taken by another state;
31A-23a-111(5)(b)(i) Failed to timely respond to an inquiry of the commissioner.
License Limitation: Revoked

Julio A. Briceno; E-Case #2546. Order effective July 27, 2010.
Violations: 31A-23a-107(2) Failed to notify Commissioner of other state action;
31A-23a-111(5)(b)(i) Unqualified for license; 31A-23a-111(5)(b)(i)(A) Violated an insurance statute; 31A-23a-111(5)(b)(xviii) Forges another’s name to an application for insurance; 31A-23a-111(5)(b)(xxiv) Engaged in methods or practice in the conduct of business that endangered the public.
License Limitation: Revoked

Briceno Insurance Agency; E-Case #2546. Order effective July 27, 2010.
Violations: 31A-23a-107(2) Failed to notify Commissioner of other state action;
31A-23a-111(5)(b)(i) Unqualified for license; 31A-23a-111(5)(b)(i)(A) Violated an insurance statute; 31A-23a-111(5)(b)(xviii) Forged another’s name to an insurance application; 31A-23a-111(5)(b)(xxiv) Engaged in methods or practices in the conduct of business that endangers the public.
License Limitation: Revoked

Derrick Dewayne Roy: E-Case #2747; Order effective July 27, 2010.
Violation: 31A-2-202(4) Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Justin L Hatton: E-Case #2756; Order effective July 27, 2010.
Violation: 31A-2-202(4) Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Kevin Di Stefano; E-Case #2659; Order effective July 12, 2010.
Violations: 31A-23a-409-(6) Diverting funds held in his trust to his own benefit;
31A-23a-409-(1)(d) Failing to forward funds held in trust to the intended payee or deposit them into a trust account by the close of the next business day; 31A-23a-107(2)
Actions demonstrate that the licensee does not meet character requirements.
License Limitation: Revoked

Clearwater Settlements LLC: E-Case #2579 Order effective March 2, 2010.
Violation: 31A-36-104(2)(a)(iii) Respondent failed to pay the licensing fee.
License Limitation: Revoked

All American Bail Bonds; E-Case #2670; Order effective June 15, 2010.
Violation: G63-4-209 Respondent failed to respond or file an answer to the default.
License Limitation: Revoked

Christopher Alan De Martini; E-Case #2670; Order effective June 15, 2010.
Violation: G63-4-209 Respondent failed to respond or file an answer to the default.
License Limitation: Revoked

Howard Faber; E-Case #2474; Order effective May 11, 2010.
Violations: 31A-23a-105(5)(b)(ii)(A)-Failed to report an administrative action taken by another state.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
License Limitation: Revoked

Bronson Insurance Agency: E-Case #2639; Order effective May 18, 2010.
Violations: 31A-23a-103(a) & 301 In acting as an insurance agency without a license.
License Limitation: Revoked

Darrin M. Bronson: E-Case #2640; Order effective May 18, 2010.
Violations: 31A-23a-103(a) In acting as an insurance agent when not licensed as such.
31A-23a-402(1)(a)(i) Providing false or misleading information in connection with the insurance policy. 31A-23a-408 Acting as an agent for insurers to whom he is not contracted. 31A-23a-409 Failing to forward premiums received to the intended payee or to deposit them into trust account.
License Limitation: Revoked

Shannon Riche-Bronson: E-Case #2641; Order effective May 18, 2010.
Violations: 31A-23a-103(a) In acting as an insurance agent when not licensed as such.
31A-23a-409 Failing to forward premiums received to the intended payee or to deposit them into trust account.
License Limitation: Revoked

Kara Marie Dunning; E-Case #2443; Order effective April 1, 2010.
Violations: 31A-23a-202(4) Failure a timely respond. 31A-23a-308 Respondent failed to obey the Order of the Commissioner in failing to pay administrative forfeiture.
License Limitation: Revoked

Gary L. Karns, Jr; E-Case #2589; Order effective April 1, 2010.
Violation: 31A-23a-202(4) Failure a timely respond.
License Limitation: Revoked

Gay Chung; E-Case #2445; Order effective April 1, 2010.
Violations 31A-23a-202(4) Failure a timely respond. 31A-23a-308 Respondent failed to obey the Order of the Commissioner in failing to pay administrative forfeiture
License Limitation: Revoked

Maryann Blake: E-Case #2605; Order effective March 8, 2010.
Violations: 31A-23a-409(6) Diverting Funds held in a trust to her own benefit. 31A-23a-107(2) Respondent actions show she does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

Adrienne F. Rogers; E-Case #2628; Order effective March 4, 2010.
Violations: 31A-23a-106(1) & (2)(a)(i)(ii) Altered license to indicate she held the Life & Health lines of authority; 31A-23a-202(1)(i) Respondent lied to Department staff member; 31A-23a-107(2) Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

Clearwater Settlements LLC: E-Case #2579; Order effective March 2, 2010.
Violation: 31A-2-104(2) Respondent failed to pay the licensing fee.
License Limitation: Revoked

Jeffrey William Casper; E-Case #2626; Order effective March 3, 2010.
Violations: 31A-23a-105(2) Requires a licensed individual producer to report criminal prosecution; 31A-23a-107(2) Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

USA Payroll Services, LLC; E-Case #2608: Order effective February 10, 2010.
Violation: 31A-40-305 Failed to submit audited financial statement with its application
License Limitation: Revoked

Kevin E. Brown; E-Case #2447: Order effective February 10, 2010.
Violation: 31A-23a-105 Failure to notify the department of actions taken against his licenses
License Limitation: Revoked

Scott K. C. Behunin; E-Case #2505; Stipulation and Order effective February 1, 2010.
Violations: 31A-23a-409 In failing to forward funds received as premium payment;
31A-23a-107(2) Fail to meet the character requirements; 31A-23a-111(5)(b)(i) Unqualified for license; 31A-23a-111(5)(b)(xiv) Convicted of a felony.
License Limitation: Revoked

Clinton Thomas Comer; E-Case #2622; Stipulation and Order effective January 28, 2010.
Violations: 31A-23-107(2) Actions demonstrate that he does not meet the requirements to hold license; 31A-23a-111(5)(b)(i) Unqualified for License; 31A-23a-111(5)(b)(ii)(A) Has violated an insurance statute; 31A-23a-111(5)(b)(xvi) In the conduct of business uses fraudulent or dishonest practices.
License Limitation: Revoked

David Lukens CE Professionals; E-Case #2601 Stipulation and Order effective January 28, 2010.
Violations: 31A-23a-111(5)(b)(xvi) In the conduct of business uses fraudulent or dishonest practices.
31A-23a-111(5)(b)(xxiv) Engages in a method or practice in the conduct of business hat endanger the legitimate interests of customers and the public.
31A-23a-111(5)(b)(ii)(A) Has violated an insurance statute.
R590-8 Respondents CE’s teaching method and program content no longer meets standards required of continuing education providers. 31A-23a-111(5)(b)(i) Unqualified for a license.
License Limitation: Revoked

David Lukens; E-Case #2601 Stipulation and Order effective January 28, 2010.
Violations: 31A-2-202(6) & 31A-23a-401(1)(a)(i) In providing false information to the commissioner regarding the continuing education hours completed by individual licensed producers. 31A-23-107(2) Actions demonstrate that he does not meet the requirements to hold a license.
License Limitation: Revoked

Michael J. Lewellen; E-Case #2590; Order effective January 5, 2010.
Violations: 31A-23a-107, Respondent failed to meet the character requirements for licensing. 31A-23a-409, failing to forward funds or to deposit them into a trust account.
31A-23a-402(1)9a)(i), Issuing evidence of insurance when no insurance was in place.
License Limitation: Revoked

Suspension

Eagle Life Insurance Company: E-Case #2902; Order effective September 18, 2010.
Violations: 31A-3-103(2) – Failed to pay renewal fee when due;
31A-2-202(4) – Failed to properly respond to an inquiry from the commissioner.
Forfeiture: $1,500
License Limitation: Suspended 24 months

Kevin Di Stefano: E-Case #2659; Order effective March 31, 2010.
Violations: 31A-23a-409(6) Diverting Funds held in a trust to his own benefit. 31A-23a-409(1) Failing to forward funds held in trust to the intended payee or deposit them into a trust account by the close of the next business day. 31A-23a-107(2) Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: Suspended

A-1 Bail Bonds: E-Case #2642; Order effective February 25, 2010.
Violation: 31A-35-504 Failure to pay bail bond forfeiture judgment.
License Limitation: Suspended 14 days. February 25 to March 11, 2010

All American Bail Bonds; E-Case #2635; Order effective February 23, 2010.
Violation: 31A-35-504(2)(b) Respondent failure to pay a Judgment of Bail Bond Forfeiture within 15 days after service of the notice.
License Limitation: Suspended 14 days. February 18, 2010 to March 4, 2010

Rebel Bail Bonds: E-Case #2632 Order effective February 17, 2010.
Violation: 31A-35-504 Failure to pay bail bond forfeiture judgment.
License Limitation: Suspended 14 days.

Maryann Blake: E-Case #2605; Order effective January 19, 2010.
Violations: 31A-23a-409(6) Diverting Funds held in a trust to her own benefit;
31A-23a-409(1)(d)(i) Failing to use funds held in trust for the purpose for which they were intended.
License Limitation: Suspended 12 months. Department shall commence a formal adjudicative proceeding against the respondent for the revocation of her license.

Probation

James Scott Noorda: E-Case #2731; Order effective November 29, 2010.
Violation: 31A-23a-105 – Respondent failed to report criminal charges to the Commissioner.
Forfeiture: $3,000
License Limitation: 24 months probation

Utah Standard Title Insurance Agency: E-Case #2564; Order effective November 23, 2010.
Violations: 31A-23a-201, 31A-23a-207= Respondent was in violation when it conducted 43 closings without a valid license.
License Limitation: Probation 24 months
Forfeiture: $5,000

Kenneth Owen Monson; E-Case #2713; Order effective: September 28, 2010.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: 24 months probation
Forfeiture: $250

Matthew A Newman: E-Case #2727; Dated December 14, 2010.
Violation: 31A-23a-301(1) – Respondent failed to license his agency.
31A-23a-408 – Respondent acted on behalf of an insurer without an appointment.
31A-23a-409 – Respondent failed to establish a proper trust account, commingling personal and business monies with trust monies.
31A-23a-412(1) – Respondent failed to update his business address within 30 days of change.
R590-154-7(3) – Respondent used variations of his recorded name on advertising, email and American Family website.
Forfeiture: $6,500
License Limitation: 18 months probation

Rodney Tiet Jen; E-Case #2721; Order effective Nov. 17, 2010.
Violation: 31A-23a-105(2) and 31A-2-202(6) – Respondent failed to report criminal charges and prosecution within 30 days.
Forfeiture: $2,000
License Limitation: 24 months Probation

Eric Colter Cannon; E-Case #2716 Effective Date: December 6, 2010.
Violations: 31A-23a-111(5)(b)(ix) Provided false or misleading information on a license application.
31A-23a-107(2) Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: 12 months probation

Richard P. Atkin; E-Case #2556; Order effective November 29, 2010.
Violation: 31A-23a-105(2) and 31A-2-202(6) – Respondent failed to disclose pending
criminal proceedings on his resident application for a producer license.
License Limitation: 12 Months Probation served
Forfeiture: $750

Heather M. Barton; E-Case #2717; Order effective November 29, 2010.
Violation: 31A-23a-111(5)(b)(xxii) Failure to pay state income tax, or comply with an administrative or court order of the state income tax.
License Limitation: License granted conditionally. 12 Months probation

Arthur Ruggero; E-Case #2728; Stipulation and Order effective November 30, 2010.
Violation: 31A-23a-105(2); Failure to disclose criminal charges on initial application.
Forfeiture: $500
License Limitation: 12 Months Probation

Entitle Insurance Company; E-Case #2691; Order effective September 27, 2010.
Violation: 31A-23a-106 – In conducting seven (7) escrow closings without having a title producer’s license with the lines of title and escrow.
Forfeiture: $21,000
License Limitations: 3 months probation

American Family Mutual Insurance Company: E-Case #2714; Order effective: September 27, 2010.
Violations: 31A-23a-115(1)(a); R590-244-9, Failure to appoint producer conducting business on its behalf.
Forfeiture: $3000

Hamza Osman Harun; E-Case #2722; Order effective October 12, 2010
Violations: 31A-23a-409; Respondent failed to establish a trust account and commingled insurer and insureds monies with his own monies; R590-170-4(3); Failed to maintain a trust account that was separate and distinct from his personal account.
License Limitation: 18 months probation
Forfeiture: $2000

David N. Johnson: E-Case #2574; Order effective April 27, 2010.
Violation 31A-23a-107(1)(2) & 31A-23a-107(1)(2)= Made call to competitor in order to obtain information to compete.
Forfeiture: $2,000
License Limitation: 12 months probation

BW Insurance Agency, Inc; E-Case #2707; Order effective September 14, 2010
Violation: UCA 31a-23A-409 & UCA R590-170-4, Respondent failed in its responsibility to establish and maintain a trust account.
Forfeiture: $40,000
License Limitation: 12 months probation.

Todd Michael Smithson; E-Case #2575; Order effective April 26, 2010.
Violations: 31A-23a-119(1)(a) Respondent used the existence of the Guaranty Association as part of his sales presentation; 31A-23a-401-(1)(a) Respondent directed consumer to sign incomplete documents.
Forfeiture: $1,000
License Limitation: 12 months probation

Capitol Title Insurance: E-Case #2651; Order effective July 12, 2010.
Violations: 31A-23a-302(1) Utilizing the services of an insurance producer and a consumer service representative that are not designated on its license; 31A-23a-402(1)(a)(i) Falsely answering the question regarding any criminal convictions.
Forfeiture: $2,500
License Limitation: 12 Months probation

Real Bail Bonds; E-Case #2472: Order effective July 15, 2010.
Violation: 31A-35-401 In continuing to act as a bail bond surety when its license had lapsed.
Forfeiture: $3,500
License Limitation: 24 months probation

Pablo A. Alcalde: E-Case #2471: Order effective July 15, 2010.
Violation: 31A-2-202(6) Falsely answering the question regarding any criminal convictions.
License Limitation: 24 months probation

Corey J. Morgan; E-Case #2673 Order effective May 20, 2010
Violations: 31A-2-202(6) Failed to report criminal prosecution take against him.
31A-23a-105(2)(b)(ii) Failure to disclose to the Commissioner within 30 days of administrative actions taken against him by other states.
Forfeiture: $500
License Limitation: 12 months probation

Bryan Kim Johnson: E-Case #2644 Order effective June 23, 2010.
Violation: R590-154-11(A) marketing violation, advertised a $10 gas coupon to public in exchange for calling or visiting the agency for an insurance quote.
Forfeiture: $2,000
License Limitation: Probation 12 months

Bryan Johnson Insurance Agency, Inc.: E-Case #2644 Order effective June 23, 2010.
Violation: R590-154-11(A) marketing violation, advertised a $10 gas coupon to public in exchange for calling or visiting the agency for an insurance quote.
Forfeiture: $2,000
License Limitation: Probation 12 months

Clyde L. Price: E-Case #2569 Order effective July 13, 2010.
Violations: 31A-23a-402(1) & 31A-31-103 Respondents actions for which he entered guilty pleas constituted a violation; 31A-12a-107(2) Respondent’s actions call into question whether he meets the character requirements of being competent and trustworthy.
Forfeiture: $2500
License Limitation: 24 months probation

One For the Money Financial, Inc.; E-Case #2647 Order effective June 22, 2010.
Violations: 31A-23a-202(2)(a)(i) Issued checks for payment or reimbursement of taxes to clients. 31A-23a-302(1) & (2)(a) Failing to designate two individuals who acted as producers or agents for respondent.
Forfeiture: $13,000
License Limitation: 24 months

Joseph Benjamin Ross; E-Case #2531; Order effective April 10, 2010.
Violations: 31A-23a-105(2)(b)(ii) Requires than an applicant for a pending individual producer license to report to the commissioner a criminal prosecution taken against the person in any jurisdiction;
31A-2-202(6) Mandates that all information submitted to the commissioner shall be accurate and complete.
Forfeiture: $500
License Limitation: 12 months probation

Dragan Djordjevic; E-Case #2528; Order effective May 19, 2010.
Violation: 31A-23a-105-Failed to report an administrative action taken by another state.
Forfeiture: $ 1000
License Limitation: 24 months

White Insurance Agency; E-Case #2403; Order effective May 18, 2010.
Violations: R-590-5(5) Failing to disburse the commissions from the trust account quarterly. R-590-170-7(1) Failing to reconcile bank statements monthly. R590-170-7(6) Failing to maintain accounting records in a manner to facilitate an audit.
Forfeiture: $5,000
License Limitation: 24 months

Joseph D. White; E-Case #2403; Order effective May 18, 2010.
Violations: R-590-5(5) Failing to disburse the commissions from the trust account quarterly. R-590-170-7(1) Failing to reconcile bank statements monthly. R590-170-7(6) Failing to maintain accounting records in a manner to facilitate an audit.
Forfeiture: $2,500
License Limitation: 24 months

Andrew George Vidal IV; E-Case #2465; Order effective May 18, 2010.
Violation: 31A-23a-105-Failed to report an administrative action taken by another state.
Forfeiture: $750
License Limitation: 12 months

Stephen Lance Brough; E-Case #2611; Order effective March 29, 2010.
Violation: 31A-23a-105(2) Failing to disclose misdemeanor charge and conviction.
Forfeiture: $ 250
License Limitation: Probation for 12 Months

Stephen Kent Ashton; E-Case #2576; Order effective March 10, 2010.
Violations: 31A-23a-104, Failing to file for resident producer license within one year of legal residency in Utah. 31A-23a-301, Failed to obtain an agency license as required.
31A-23a-412, Failed to update address and telephone number within 30 days.
R590-130-6, Advertisement to be sufficiently clear so as to not be deceptive or misleading. R590-130-10, Source of any statistics used in an advertisement must be identified.
Forfeiture: $3,500
License Limitation: Admin. Probation 12 months.

Nicholas Charles Lorence; E-Case #2583; Order effective April 13, 2010.
Violations: 31A-23a-412(1) (c) – Failing to notify the Department of his Utah residence and Utah office location. 31A-23a-105(4) (a) Failed to obtain a resident producers license within 90 days in July 2008 from Nevada to Utah. 31A-23a-110(2) Failed to notify the commissioner that he is doing business under an assumed name from July 2008 to November 2009. 41A-23a-301(a), 41A-23a-301(1), 31A-23a-302(1)(2) Failing to obtain an agency license, designating an individual to act on behalf of the agency.
31A-23a-412 Acting on behalf of American Home Life Insurance Company without an appointment from July 2008 to November 2009.
License Limitation: Probation 12 months
Forfeiture: $3,500

Heritage Title Insurance Agency; E-Case #2523; Order effective March 1, 2010.
Violations: R590-6-4-(24), Advertisement may not be placed in a publication, including an internet web page and links, that is hosted, published, produced for, and distributed by or on behalf of a client. In co-advertizing with title client.
Forfeiture: $1,000
License Limitation: Probation 6 months

Matthew Steven Bowman, E-Case #2610; Order effective March 29, 2010.
Violation: 31A-23a-105(2)(b) Failing to disclose misdemeanor charge and conviction.
Forfeiture: $250
License Limitation: 12 Month Probation.

Reba N. Brooks, E-Case #2461; Order effective March 30, 2010.
Violation: 31A-23a-105(2) – Failed to report an administrative action taken by another state.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $500
License Limitation: 12 months probation

Carrie Guymon, E-Case #2510; Order effective March 29, 2010.
Violation: 31A-23a-111(5) -Failure to pay a final judgment.
License Limitation: Probation 24 months

James W. Jensen: E-Case #2440; Order effective March 11, 2010.
Violations: 31A-23a-105 Failed to notify the department of other state actions.
31A-23a-202(4) Failure to submit a timely respond.
Forfeiture: $750
License Limitation: 12 months probation

Bradley Sunderland; E-Case #2500; Order effective March 11, 2010.
Violations: 31A-23a-105 Failed to notify the department of other state actions.
31A-23a-202(4) Failure to submit a timely respond.
Forfeiture: $750
License Limitation: 12 months probation

Forfeitures

Surety Title Company; E-Case #2638; Order effective October 21, 2010.
Violations: 31A-23a-302 Agency Designations: A title agency is held responsible for the actions of its title producer. 31A-23a-402 and R592-6 Unfair marketing practices: Respondent waived all or part of an established fee for escrow services which is subject to escrow charges filed with the commissioner.
Forfeiture: $500

Utah Standard Title Insurance Agency: E-Case #2564; Order effective November 23, 2010.
Violations: 31A-23a-201, 31A-23a-207 Respondent was in violation when it conducted 43 closings without a valid license.
License Limitation: Probation 24 months
Forfeiture: $5,000

Kenneth Owen Monson; E-Case #2713; Order effective: September 28, 2010.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: 24 months Probation
Forfeiture: $250

Donald E. Bennett: E-Case #2738; Dated December 14, 2010.
Violation: 31A-23a-409(2)(a)(i) – Respondent failed to establish a proper trust account at a financial institution in this state.
Forfeiture: $250

Michael R. Anderson: E-Case #2737; Dated December 14, 2010
Violation: 31A-23a-408 – Respondent conducted insurance business on behalf of Farmers Insurance without an appointment.
Forfeiture: $500

Kristin E. Anderson: E-Case #2736; Dated December 14, 2010.
Violation: 31A-23a-409(2)(a)(i) – Respondent failed to establish a proper trust account at a financial institution in this state.
Forfeiture: $250

Jon D. Christopher: E-Case #2735; Dated December 14, 2010.
Violation: 31A-23a-110(2) & R590-154-7(A)- Respondent used a name other than its legal name, and failed to notify the commission before using the assumed name.
31A-23a-402(1)(a)(I) & R590-154-5(A) – Respondent used misleading information in mailed advertisements.
Forfeiture: $2,000

Intermountain Insurance Advisory Group, Inc: E-Case #2735; Dated December 14, 2010.
Violation: 31A-23a-110(2) & R590-154-7(A)- Respondent used a name other than its legal name, and failed to notify the commission before using the assumed name.
31A-23a-402(1)(a)(I) & R590-154-5(A) – Respondent used misleading information in mailed advertisements.
Forfeiture: $2,000

Matthew A Newman: E-Case #2727; Dated December 14, 2010.
Violations: 31A-23a-301(1) – Respondent failed to license his agency.
31A-23a-408 – Respondent acted on behalf of an insurer without an appointment.
31A-23a-409 – Respondent failed to establish a proper trust account, commingling personal and business monies with trust monies.
31A-23a-412(1) – Respondent failed to update his business address within 30 days of change.
R590-154-7(3) – Respondent used variations of his recorded name on advertising, email and American Family website.
Forfeiture: $6,500
License Limitation: 18 months probation

AA Insurance LLC; E-Case #2668: Dated November 17, 2010.
Violation: Rule R590-154-7(A) Respondent used a name other than its legal name, and failed to notify the commission before using the assumed name.
Forfeiture: $650

Trent D Ferguson; E-Case #2668: Dated November 17, 2010.
Violation: Rule R590-154-7(A); Respondent used a name other than its legal name, and failed to notify the commission before using the assumed name.
Forfeiture: $650

Mays Financial Services LLC dba Van Mays Allstate: E-Case #2739; Dated December 16, 2010.
Violations: UCA 31A-23a-110(2), UAC R590-154-5(1), R590-154-7(A)(3) Respondent used a name other than its legal name, and failed to notify the commission before using the assumed names, “The Shonie Insurance Group” and “Extra Mile Insurance;” UCA 31A-23a-301(1) Operated “The Shonie Insurance Group” and “Extra Mile Insurance”, without a valid agency license; UCA 31A-23a-302(1)(2)&(5) Failed to license “The Shonie Insurance Group,” and “Extra Mile Insurance” as agencies and to designate Shonie Christensen and Ryan Bishop to the agencies.
Forfeiture: $6,000

Van A. Mays: E-Case #2739: Dated December 16, 2010.
Violations: UCA 31A-23a-110(2), UAC R590-154-5(1), R590-154-7(A)(3) Respondent used a name other than its legal name, and failed to notify the commission before using the assumed names, “The Shonie Insurance Group,” and “Extra Mile Insurance”. UCA 31A-23a-301(1) Operated “The Shonie Insurance Group” and “Extra Mile Insurance” without a valid agency license. UCA 31A-23a-302(1)(2)&(5) Failed to license “The Shonie Insurance Group” & “Extra Mile Insurance” as agencies and to designate Shonie Christensen and Ryan Bishop to the agencies.
Forfeiture: $6,000

Rodney Tiet Jen; E-Case #2721; Order effective Nov. 17, 2010.
Violation: 31A-23a-105(2) and 31A-2-202(6) – Respondent failed to report criminal charges and prosecution within 30 days.
Forfeiture: $2,000
License Limitation: 24 months Probation

Casandra A. Sazama; E-Case #2732; Order effective December 16, 2010.
Violation: 31A-23a-105 – Respondent failed to disclose criminal history when applying for a resident producer license.
Forfeiture: $500

Richard P. Atkin; E-Case #2556; Order effective November 29, 2010.
Violation: 31A-23a-105(2) and 31A-2-202(6) – Respondent failed to disclose pending
criminal proceedings on his resident application for a producer license.
License Limitation: 12 Months Probation served
Forfeiture: $750

Arthur Ruggero; E-Case #2728; Stipulation and Order effective November 30, 2010.
Violation: 31A-23a-105(2); Failure to disclose criminal charges on initial application.
Forfeiture: $500
License Limitation: 12 Months Probation

Entitle Insurance Company; E-Case #2691; Order effective September 27, 2010.
Violation: 31A-23a-106 – In conducting seven (7) escrow closings without having a title producer’s license with the lines of title and escrow.
Forfeiture: $21,000
License Limitation: 3 months probation

Jodie Green; E-Case #2720; Order effective November 17, 2010.
Violation: 31A-23a-105 – Respondent failed to disclose criminal history when applying for a resident producer license.
Forfeiture: $500

Hamza Osman Harun; E-Case #2722; Order effective October 12, 2010
Violations: 31A-23a-409; Respondent failed to establish a trust account and commingled insurer and insureds monies with his own monies; R590-170-4(3); Failed to maintain a trust account that was separate and distinct from his personal account.
License Limitation: 18 months probation
Forfeiture: $2,000

Intermountain Claims Inc: E-Case #2536; Order effective September 22, 2010.
Violation: 31A-26-213(6) Conducting insurance business without a valid license.
Forfeiture: $3,000

David N. Johnson: E-Case #2574; Order effective April 27, 2010.
Violation 31A-23a-107(1)(2) & 31A-23a-107(1)(2) In making a call to competitor in order to obtain information to compete.
Forfeiture: $2,000
License Limitation: 12 months probation

Teresa Ann Cordell; E-Case #2597; Order effective July 27, 2010.
Violations: 31A-23a-105 – Respondent failed to disclose to the Commissioner administrative actions taken against her by other states.
Forfeiture: $250

Richmond Title Insurance Agency: E-Case #2718. Order effective August 31, 2010.
Violations: 31A-23a-413, Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30;
31A-2-202(4), Respondent failed to submit a timely response to an inquiry of the commissioner.
Forfeiture: $1,750

Phillips-Hansen Land Title Company: E-Case #2702; Order effective July 6, 2010.
Violation: 31A-23a-413, Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Forfeiture: $2,000

Morgan Title and Escrow Inc.: E-Case #2704; Order effective September 14, 2010.
Violation: 31A-23a-402 and Administrative Rule R592-6-5 – Respondent distributed poinsettia plants with an attached greeting card to a client which meets the criteria of “self-promotional” as contemplated by the Rule.
Forfeiture: $2,500

BW Insurance Agency, Inc; E-Case #2707; Order effective September 14, 2010
Violations: 31a-23A-409 & R590-170-4, Respondent failed in its responsibility to establish and maintain a trust account.
Forfeiture: $40,000
License Limitation: 12 months probation.

Livingston Wealth Strategies; E-Case #2604 Order effective July 27, 2010.
Violations: 31A-23a-301, Respondent marketed insurance using an unlicensed agency. R590-154-7, Used name other than the one on the license for business cards, letterhead, signage, written communications and other forms of advertising.
Forfeiture: $1,500

Rodney G. Livingston; E-Case #2603 Order effective July 27, 2010.
Violations: 31A-23a-301, Respondent marketed insurance using an unlicensed agency. R590-154-7, In using name other than the one licensed under on business cards, letterhead, signage, written communications and other forms of advertising.
Forfeiture: $1,500

Ryan Hoskins; E-Case #2637; Order effective August 9, 2010.
Violations: 31A-23a-406 Furnishing escrow services pursuant to section.
31A-19a-209(5) Charging less than the charges filed with the state.
Forfeiture: $500

Todd Michael Smithson; E-Case #2575 Order effective April 26, 2010.
Violations: 31A-23a-119(1)(a) Respondent used the existence of the Guaranty Association as part of his sales presentation; 31A-23a-401-(1)(a) Respondent directed consumer to sign incomplete documents.
Forfeiture: $1,000
License Limitation: 12 months probation

Beneficial Life Insurance: E-Case #2371 & E-Case #2657: Order effective July 13, 2010.
Violations: 31A-23a-402(1)(a)(i) & R590-79-6(F) Providing a narrative summary that was inconsistent with policy value pages; 31A-23a-115 (1) Failing to appoint agents with the department; 590-191-4(5) Failing to provide a written claim settlement and to pay claims due within 15 days of proof of loss.
Forfeiture: $47,000

Capitol Title Insurance: E-Case #2651: Order effective July 12, 2010.
Violations: 31A-23a-302(1) Utilizing the services of an insurance producer and a consumer service representative that are not designated on its license; 31A-23a-402(1)(a)(i) Falsely answering the question regarding any criminal convictions.
Forfeiture: $2500
License Limitation: 12 Months probation

Corey J. Morgan; E-Case #2673: Order effective May 20, 2010
Violations: 31A-2-202(6) Failed to report criminal prosecution take against him.
31A-23a-105(2)(b)(ii) Failure to disclose to the Commissioner within 30 days of administrative actions taken against him by other states.
Forfeiture: $500
License Limitation: 12 months probation

Dixie Title Company; E-Case #2701: Order effective July 6, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual Report and Controlled Business Reports due annually by April 30.
Forfeiture: $2,000

Trinity Group Resources, Inc: E-Case #2690: Order effective July 13, 2010.
Violations: 36A-23a-110 Requires a licensee doing business under a name other than the licensee’s legal name to notify the Commissioner before using the assumed name of the State; 31A-23a-401-(1)(a) Respondent directed consumer to sign documents, which were incomplete and had blank spaces; R590-154-5 Prohibits a licensee from using a name that is deceptive; R590-154-7 Prohibits a licensee from using a name other than the exact name appearing on the agency’s in any promotional materials; R590-244-10 Failing to designate Melissa Moss to the commissioner in a timely manner.
Forfeiture: $2,000

Bryan Kim Johnson: E-Case #2644: Order effective June 23, 2010.
Violations: R590-154-11(A) marketing violation, advertised a $10.00 gas coupon to public in exchange for calling or visiting the agency for an insurance quote.
Forfeiture: $2,000
License Limitation: Probation 12 months

Bryan Johnson Insurance Agency, Inc.: E-Case #2644: Order effective June 23, 2010.
Violation: R590-154-11(A) marketing violation, advertised a $10.00 gas coupon to public in exchange for calling or visiting the agency for an insurance quote.
Forfeiture: $ 2,000
License Limitation: Probation 12 months

Clyde L. Price: E-Case #2569: Order effective July 13, 2010.
Violations: 31A-23a-402(1) & 31A-31-103 Respondents actions for which he entered guilty pleas constituted a violation; 31A-12a-107(2) Respondent’s actions call into question whether he meets the character requirements of being competent and trustworthy.
Forfeiture: $2500
License Limitation: 24 months probation

Michael Bruce Beckman: E-Case #2497; Order effective June 21,2010.
Violations: 31A-23a-105(2) Failed to report an administrative action taken by another state.
31A-2-202(4) Failed to timely respond to an inquiry of the commissioner.
Forfeiture: $250

David N. Johnson: E-Case #2574; Order effective April 27, 2010.
Violations: 31A-23a-107(1)(2) & 31A-23a-107(1)(2), In making a call to competitor in order to obtain information to compete.
Forfeiture: $2,000

Utah Commercial Title Ins Agency; E-Case #2538; Order effective March 25, 2010.
Violations: 31A-19a-209 Charging rates for an Owner’s Policy and closing fees below the rates filed with the department.
Forfeiture: $2,500.00

Teryl S. Hammer; E-Case #2540; Order effective March 25, 2010.
Violation: 31A-19a-209 Charging rates for an Owner’s Policy and closing fees below the rates filed with the department.
Forfeiture: $1,000

Stephen Kent Ashton; E-Case #2576; Order effective March 10, 2010.
Violations: 31A-23a-104, Failing to file for resident producer license within one year of legal residency in Utah. 31A-23a-301, Failed to obtain an agency license as required.
31A-23a-412, Failed to update address and telephone number with in 30 days.
R590-130-6, Advertisement to be sufficiently clear so as to not be deceptive or misleading. R590-130-10, Source of any statistics used in an advertisement must be identified.
License Limitation: Probation 12 months.
Forfeiture: $3,500

Nicholas Charles Lorence; E-Case #2583; Order effective April 13, 2010.
Violations: 31A-23a-412(1) (c) – Failing to notify the Department of his Utah residence and Utah office location. 31A-23a-105(4) (a) Failed to obtain a resident producers license within 90 days in July 2008 from Nevada to Utah. 31A-23a-110(2) Failed to notify the commissioner that he is doing business under an assumed name from July 2008 to November 2009. 41A-23a-301(a), 41A-23a-301(1), 31A-23a-302(1)(2) Failing to obtain an agency license, designating an individual to act on behalf of the agency.
31A-23a-412 Acting on behalf of American Home Life Insurance Company without an appointment from July 2008 to November 2009.
Forfeiture: $3,500
License Limitation: Probation 12 months

Michael Leonard Nelson; E-Case #2518 Order effective March 02, 2010.
Violation: 31A-23a-105(2) Failed to report criminal history.
Forfeiture: $500

Netco Title Insurance Agency: E-Case #2521; Order effective March 01, 2010.
Violations: 31A-23a-413 Failure a timely respond. R-590-2 Failure to pay assessment when due.
Forfeiture: $2,000

US Title Insurance Agency, LLC; E-Case #2328; Order effective March 3, 2010.
Violation: 31A-23a-406 In acting as escrow agent in a transaction, which did not issue a title policy.
Forfeiture: $2,500

Manuel Rene Negron; E-Case #2482; Order effective February 23, 2010.
Violations: 31A-23a-301 operating an insurance organization without an agency license. R590-154-5 By not identifying GenWealth Financial as an insurance agency on advertisements or its website. R590-154-11 By giving gift certificates as an inducement to seminar attendees.
Forfeiture: $1,500

GenWealth Advisory Group; E-Case #2483; Order effective February 23, 2010.
Violations: 31A-23a-301 operating an insurance organization without an agency license. R590-154-5 By not identifying GenWealth Financial as an insurance agency on advertisements or its website. R590-154-11 By giving gift certificates as an inducement to seminar attendees.
Forfeiture: $1,500 for both E-Case #2482 & 2483.

Dave C. Clark; E-Case #2463; Order effective February 22, 2010
Violation: 31A-23a-105(2) In submitting false information on his license application by stating he had not been convicted of a crime when he had been convicted of a misdemeanor charge of criminal mischief.
Forfeiture: $250

License Surrendered

Valley Title Insurance Agency of St. George: E-Case #2551; Order effective March 2, 2010.
Violations: 31A-23a-413 Failure to file an Annual Report and Controlled Business Report with Commissioner when due; R590-102-413 Failure to pay assessment when due; and 31A-23a-202(4) Failure to submit a timely response.
License Limitation: Surrendered in Lieu

Intermountain Consulting Group, Inc.: E-Case #2625 Order effective February 8, 2010
Violation: 31A-2-201
License Limitation: Surrender of the license accepted.

License Denied

John Joseph Hansen; E-Case #2541. Effective date December 6, 2010.
Violations: 31A-23a-107 Respondent actions show he does not meet character requirements to hold an insurance producer’s license. 31A23a-111 Failure to pay judgments rendered against him within 60 days
License Limitation: License Denied

Jacob L. Panhorst; E-Case #2653. Effective date December 6, 2010.
Violation: 31A-23a-107(2) Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: License denied

Preston Rick Dixon; E-Case #2599. Effective date December 8, 2010.
Violation: 31A-23a-107(2) Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: License Denied

Steven Nicholas Burgess; E-Case #2570. Effective date December 6, 2010.
Violation: 31A-23a-111(5)(b)(i) Failed to timely respond to an inquiry of the commissioner.
License Limitation: License Denied

John M. Stecki; E-Case #2571. Effective date December 6, 2010.
Violations: 31A-23a-111(5)(b)(ix) Provided false or misleading information on a license application.
31A-23a-107(2) Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: License Denied

Robert P. Loveless; E-Case #2660. Effective date December 6, 2010.
Violations: 31A-23a-107 Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license. 31A23a-111 Failure to pay judgments rendered against him within 60 days
License Limitation: License Denied

Lonnie Jake Morrell; E-Case #2667. Effective December 6, 2010.
Violation: 31A-23a-107 Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: License Denied

Don Alton Mathews, II; E-Case #2708; Effective date December 6, 2010.
Violation: 31A-23a-107 Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: License Denied

Eugene Echiverria; E-Case #2515; Stipulation and Order effective November 30, 2010.
Violation: 31A-23-107(2) Actions demonstrate that he does not meet the requirements.
License Limitation: License denied.

Jake L. Landell; E-Case #2509; Stipulation and Order effective November 30, 2010.
Violation: 31A-23a-107(2) Respondent does not meet the character requirements.
License Limitation: License denied

Rebecca Lee Naylor; E-Case #2533; Order effective May 18, 2010.
Violations: 31A-23-107(2) Actions demonstrate that he does not meet the requirements;
31A-23a-111(5)(b)(i) Unqualified for license.
License Limitation: License denied.

Ronald Lee Thomas: E-Case #2661; Order effective October 19, 2010.
Violations: 31A-23a-111(5)(b)(iv); Failed to pay final judgment rendered against him in this state within 60 days of the judgment becoming final; 31A-23a-111(5)(b)(ix); Provided information on application that was incorrect, misleading or materially untrue.
License Limitation: License denied

Jason A. Jafari; E-Case #2648; Order effective September 9, 2010.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
31A-23a-111(5)(b)(iv) Failing to pay judgment rendered against him in this state within 60 days of the judgments becoming final. 31A-23a-111(5)(b)(xxii) Failing to pay tax liens against him in this state. 31A-23a-111(5)(b)(ix) Provided information on his application that was incorrect, misleading or materially untrue.
License Limitation: License Denied

Zurmyles Mulvey; E-Case #2634 Order effective September 9, 2010.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for licensing.
License Limitation: License Denied

Erin Loy; E-Case #2602 Order effective September 9, 2010.
Violations: 31A-23a-107 Respondent failed to meet the character requirements for licensing.
31A-23a-111(5)(b)(ix) Provided information on application that was incorrect, misleading or materially untrue.
License Limitation: License Denied

Brandon Guzzo; E-Case #2650; Order effective September 9, 2010.
Violations: 31A-23a-111(5)(b)(ix) Provided information on his application that was incorrect, misleading or materially untrue. 31A-23a-111(5)(b)(iv) Failing to pay judgment rendered against him in this state within 60 days of the judgments becoming final. 31A-23a-111(5)(b)(xxii) Failing to pay tax liens against him in this state.
License Limitation: License Denied

James Lee Yurek; E-Case #2705; Order effective August 13, 2010.
Violations: 31A-2-202(4) – Failure to submit a timely response to an inquiry from the Commissioner; 31A-23a-105(2) – Failure to report an administrative action against his license.
License Limitation: Surrender In Lieu of Administrative Actions

Barbara Lynn Pytlak; E-Case #2671. Order effective July 13 2010.
Violation: 31A-23a-105(2) – failed to report an administrative action taken against her by another state.
License Limitation: License surrendered in lieu of administration action.

Royce Rodgers; E-Case #2284; Order effective January 22, 2010.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for license.
License Limitation: License denied.

Franklin Rayburn; E-Case #2492 Order effective March 29, 2010.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for license.
License Limitation: License denied.

Randy A. Mondragon; E-Case #2532 Order effective March 29, 2010.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for license.
License Limitation: License denied.

Heidi Leffler; E-Case #2493 Order effective March 29, 2010.
Violation: 31A-23a-107, Respondent failed to meet the character requirements for license.
License Limitation: License denied.

Public Letter of Admonition

John R Metcalf; I-Case #58944; Effective date December 7, 2010.
Violation: UAC R590-170-4 Respondent failed in his responsibility to ensure all records relating to a trust account be identified with the wording “Trust Account” or words of similar import.
Public Letter of Admonition

David D Jaramillo; I-Case #58942; Effective date December 7, 2010.
Violation: UAC R590-170-4 Respondent failed in his responsibility to ensure all records relating to a trust account be identified with the wording “Trust Account” or words of similar import.
Public Letter of Admonition

Kenneth E Tisor; I-Case #58941; Effective date December 7, 2010.
Violation: UAC R590-170-4 Respondent failed in his responsibility to ensure all records relating to a trust account be identified with the wording “Trust Account” or words of similar import.
Public Letter of Admonition

Automobile Club of Utah; I-Case 58144 – Dated June 28, 2010.
Violations: 31A-23a-103(1)(a)&(c) A person may not perform, offer to perform, or advertise any service as a producer, limited line producer without a valid individual or agency license.
31A-23a-302(1) & (2) An agency shall designate an individual producer, limited line producer to act on the agency’s behalf in order for the licensee to do business for the agency in this state.
R590-244-10(1) & (2) An agency shall electronically designate a licensed individual to do business on behalf of the agency in this state.
Public Letter of Admonition

Travel Services dba Columbus Travel; I-Case 58239 – Dated June 28, 2010.
Violation: 31A-23a-103(1)(a)&(c) A person may not perform, offer to perform, or advertise any service as a producer, limited line producer without a valid individual or agency license.
31A-23a-302(1) & (2) An agency shall designate an individual producer, limited line producer to act on the agency’s behalf in order for the licensee to do business for the agency in this state.
R590-244-10(1) & (2) An agency shall electronically designate a licensed individual to do business on behalf of the agency in this state.
Public Letter of Admonition

Anderson-Oliver Title Insurance Agency, Inc; I-Case 58492; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Cedar Land Title, Inc.; I-Case 58493; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Charger Title Insurance Agency, Inc.; I-Case 58495; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Draper Title Insurance Agency, LLC; I-Case 58496; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Emery County Abstract & Title, Inc.; I-Case 58497; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

First Heritage Title Insurance Agency, LLC; I-Case 58498; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Highland Title Agency, Inc.; I-Case 58500; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Lenderlive Title Insurance Agency of Utah, LLC; I-Case 58503; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

NTN Title Agency; I-Case 58504; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Patriot Title Insurance Agency, LLC; I-Case 58505; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Premium Settlements of UT, LLC; I-Case 58506; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Prestige Title Insurance Agency, Inc.; I-Case 58507; PUBLIC LETTER OF ADMONITION/DEMAND FOR FILING effective June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Richmond Title Insurance Agency; I-Case 58508; PUBLIC LETTER OF ADMONITION/DEMAND FOR FILING effective June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

Titan Title Insurance Agency, LLC; I-Case 58509; PUBLIC LETTER OF ADMONITION / DEMAND FOR FILING effective June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

The Title Insurance Agency, Inc.; I-Case 58510; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

TitleFirst Title Insurance Agency, LLC; I-Case 58511; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

United Title Services of Utah, Inc; I-Case 58512; Dated June 14, 2010.
Violation: 31A-23a-413 Respondent failed to timely file its 2009 Annual and Controlled Business Reports due annually by April 30.
Public Letter of Admonition

United Title Services of Utah, Inc; I-Case 58139; Dated June 28, 2010.
Violation: Utah Administrative Code Insurance Rule R590-154-11(A). Inducements, Gifts and Merchandise Given in Connection with Solicitation or Sale of Insurance, “A licensee may not give or offer to give any prizes, goods, wares, merchandise or item of value as an inducement to enter into any insurance or annuity contract or as an inducement to receive a quote, submit an application or in connection with any other solicitation for the sale of an insurance or annuity contract. However, anything with an acquisition cost of $3 or less shall not be considered an inducement”
Public Letter of Admonition

Morris Murdock Travel; I-Case 57957 – Dated June 21, 2010.
Violation: 31A-23a-103 Failing to ensure that all your employees involved in the solicitation, negotiation and/or sales of travel insurance were properly licensed and designated to your agency.
Public Letter of Admonition

Sundance Title Insurance Agency, Inc.; I-Case 57821: Administrative Demand for filing of required reports.
Violation: 31A-23a-413, R592-11 -Failure to file the 2008 Annual and Controlled Business Reports by April 30, 2009.
Public Letter of Admonition

Franklin Title Insurance Agency, LLC; I-Case 57655: Administrative Demand to file required reports.
Violation: 31A-23a-413, R590-136-5, and R590-136-5 Failure to file the 2008 Annual and Controlled Business Reports by April 30, 2009.
Public Letter of Admonition

South Eastern Utah Title Company; I-Case 57810; Administrative Demand to file required reports.
Violation: 31A-23a-413, R592-11 – Failure to timely file the 2008 Annual and Controlled Business Reports by April 30, 2009.
Public Letter of Admonition

2011 Administrative Actions

Insurers

Settlement Agreement & Consent Order

None

Cease and Desist Order

MN Home Warranty Corp dba Capital Home Shield – Unlicensed: E-Case #2894; Order effective September 15, 2011.
Violations: 31A-6a-103, 31A-15-102, 31A-23a-103 – doing insurance business and providing mechanical breakdown insurance without authority to do so.
License Limitation: Cease and Desist Order

Vensure HR, Inc.: E-Case #2793; Order effective April 18, 2011.
Violations: 31A-40-301 – Acting as a PEO in the State of Utah without being licensed; 63G-4-502 – Respondent has created an immediate and significant danger to the public welfare.
License Limitation: Cease and Desist Order

Suspension

None

Probation

None

Revocation

PMI Mortgage Insurance Company: E-Case #3071; Order effective February 14, 2011.
Violations: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
Limitations: License revoked

Minnesota Surety & Trust Company: E-Case #3063; Order effective February 14, 2011.
Violations: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
Limitations: License revoked

R&Q Reinsurance Company: E-Case #2977; Order effective September 15, 2011.
Violation: 31A-14-217 – Grounds exist for delinquency proceeding under Chapter 27 of Utah Insurance Code if Respondent were a domestic insurer.
Limitations: License revoked

Reinsurance Company of America, Inc.: E-Case #2898; Order effective September 15, 2011.
Violation: 31A-14-217 – Grounds exist for delinquency proceeding under Chapter 27 of Utah Insurance Code if Respondent were a domestic insurer.
Limitations: License revoked

Centennial Insurance Company: E-Case #2899; Order effective September 15, 2011.
Violation: 31A-14-217 – Grounds exist for delinquency proceeding under Chapter 27 of Utah Insurance Code if Respondent were a domestic insurer.
Limitations: License revoked

Midstates Reinsurance Corporation: E-Case #2783; Order effective May 10, 2011.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
Limitations: Revocation of COA

US International Reinsurance Company: E-Case #2784; Order effective May 10, 2011.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
Limitations: Revocation of COA

The Home Insurance Company: E-Case #2785; Order effective May 10, 2011.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
Limitations: Revocation of COA

Lincoln General Insurance Company: E-Case #2824; Order effective May 10, 2011.
Violation: 31A-14-217 – Whenever there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
Limitations: Revocation of COA

Forfeitures

Allianz Life Insurance Company of North America: E-Case #2798; Order effective: May 17, 2011.
Violations: 31A-21-201(1) – In using, selling or offering for sale a form that had not been filed with the commissioner. 31A-22-409 – In marketing and delivering insurance contracts that did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Forfeiture:$50,000

Continental General Insurance Company: E-Case #3123; Order effective May 7, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2012.
Forfeiture: $3000

Metlife Insurance Company of Connecticut: E-Case #3052; Order effective November 17, 2011.
Violation: 31A-2-308 – Failed to file Long Term Care Insurance Report on or before June 30, 2011.
Forfeiture: $3000

American General Life Insurance Company of Delaware: E-Case #2995; Order effective January 9, 2011.
Violation: R590-148-25 – Failed to electronically file a Long Term Care Insurance Report on or before June 30, 2011.
Forfeiture: $1,500

Northwestern Long Term Care Ins. Company: E-Case #2997; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

Country Life Insurance Company: E-Case #2996; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

American General Life Ins. Company of Delaware: E-Case #2995; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

Ability Insurance Company: E-Case #2994; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

Connecticut General Life Insurance Company: E-Case #2993; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

National States Insurance Company: E-Case #2992; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

Senior Health Insurance Company: E-Case #2990; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $6000

Kanawha Insurance Company: E-Case #2988; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $6000

State Farm Mutual Automobile Insurance Co.: E-Case #2987; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

Continental Life Ins. Co. of Brentwood, Tennessee: E-Case #2986; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

Genworth Life Insurance Company: E-Case #2985; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

American Family Mutual Insurance Company: E-Case #2984; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $3000

Monumental Life Insurance Company: E-Case #2983; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

Stonebridge Life Insurance Company: E-Case #2982; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

Thrivent Financial for Lutherans: E-Case #2981; Order effective September, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

Transamerica Life Insurance Company: E-Case #2980; Order effective September 13, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $1500

Sentry Insurance A Mutual Company: E-Case #3008; Order effective September 20, 2011.
Violation: R-590-148-25 – Failed to electronically file their Long Term Care Insurance Reports on or before June 30, 2011
Forfeiture: $6000

Life Insurance Company of The Southwest: E-Case #3027; Order effective October 18, 2011.
Violation: 31A-29-117 – Failure to timely file its small employer index premium rate and average percentage change in the index premium rates by February 1, 2011.
Forfeiture: $1500

Madison National Life Insurance Company, Inc.: E-Case #3019; Order effective October 18, 2011.
Violation: 31A-29-117 – Failure to timely file its small employer index premium rate and average percentage change in the index premium rates by February 1, 2011.
Forfeiture: $4500

SelectHealth Inc.: E-Case #2765 & E-Case #2835; Order effective September 13, 2011.
Violations: 31A-30-205 – Failing to provide its 5 most common plans on the Utah Health Exchange; 31A-2-202 – Submitting inaccurate information to the Commissioner; R590-167-11(2) – Inadvertently publishing and selling a health care plan for which respondent had not filed a rating manual.
Forfeiture: $14,500

Trustmark Life Insurance Company: E-Case #2930; Order effective August 16, 2011.
Violations: R590-220-10 Failed to submit revised rate manual 30 days prior to use. 31A-30-106.1(6) Used prohibited case characteristics when rating small group employers. 31A-2-202(6) Filed an inaccurate document with the Department.
Forfeiture: $25,000

American Medical And Life Insurance Company: E-Case #2563; Order effective July 20, 2011.
Violations: 31A-23a-402(1)(a)(i) and 31A-2-202(6) – Respondent filed a policy certifying that it complied with Utah Law when it did not; R590-220-9 – Respondent failed to file a group questionnaire for the Association, AIM; Respondent enrolled Utah residents as insureds under the policy after an Order to Prohibit Use thus violating an Order of the Commissioner; 31A-23a-103(1)(c) – Respondent used the services of an unlicensed managing general agent in the marketing and servicing of the policy; 31A-22-723 – Respondent failed to offer a conversion policy to Utah residents when the policy terminated.
Forfeiture: $50,000

Equitable Life & Casualty Ins. Co.: E-Case #2869; Order effective June 14, 2011.
Violation: R590-191-4 – Respondent failed to address the minimum standards for prompt, fair, and equitable claim handling processes and communications.
Forfeiture: $1,500

American Medical and Life Insurance Company: E-Case #2870, E-Case #2871 & E-Case #2872; Order effective May 4, 2011.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $ 2,250

Aetna Life Insurance Company: E-Case #2906; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

American National Life Insurance Company of Texas: E-Case #2907; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $1500

Axa Equitable Life Insurance: E-Case #2908; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

Central United Life Insurance Company: E-Case #2909; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

Continental General Insurance Company: E-Case #2910; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

Madison National Insurance Company: E-Case #2911; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

Mid-West National Life Insurance Company of Tennessee: E-Case #2912; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

National Health Insurance Company: E-Case #2913; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

Pyramid Life Insurance Company: E-Case #2914; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

Standard Life & Accident Insurance Company: E-Case #2915; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $1500

Standard Security Life Insurance Company of New York: E-Case #2916; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

World Insurance Company: E-Case #2917; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3000

American National Insurance Company: E-Case #2918; Order effective June 15, 2011.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $1500

SelectHealth Inc.: E-Case #2882; Order effective May 17, 2011.
Violation: 31A-29-117: Failure to file its small employer index premium rate and average percentage change in the index premium rates by February 1, 2011.
Forfeiture: $1500

Regence Blue Cross Blue Shield of Utah: E-Case #2788; Order effective June 24, 2011.
Violation: 31A-21a-201-(1)(a) – In marketing a health plan in the State of Utah that was not filed with the Department.
Forfeiture: $ 5000

Universal Fire & Casualty Insurance Company: E-Case #2792; Order Effective May 10, 2011.
Violations: 31A-23a-115(1)(a), 31A-23a-405(2) – Established an Agency appointment and accepted bail bond business with no contract in place.
Forfeiture: $20,000

Allianz Life Insurance Company of North America: E-Case #2798; Order effective: May 17, 2011.
Violations: 31A-21-201(1) – In using, selling or offering for sale a form that had not been filed with the commissioner. 31A-22-409 – In marketing and delivering insurance contracts that did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Forfeiture: $29,500

North American Company for Life & Health Insurance: E-Case #2750; Order effective: March 17, 2011
Violation: 31A-21-201(1) – In using, selling or offering for sale a form that had not been filed with the commissioner; 31A-22-409 – In marketing and delivering insurance contracts that did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Forfeiture: $30,000

Midland National Life Insurance Company: E-Case #2749; Order effective: March 17, 2011.
Violation: 31A-21-201(1) – In using, selling or offering for sale a form that had not been filed with the commissioner; 31A-22-409 – In marketing and delivering insurance contracts that did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Forfeiture: $20,000

Unicare Life & Health Insurance Company: E-Case #2733; Order effective January 11, 2011.
Violation: 31A-4-102(1) – Respondent continued to conduct business without a Certificate of Authority during the period January 31, 2010 through September 22, 2010.
Forfeiture: $4,000

Surrender

Universal Casualty Company: E-Case #2956; Order effective October 25, 2011.
Violation: 31A-14-216, Company met all requirements to be released from regulation.
Limitations: License Surrendered

Germantown Insurance Company: E-Case #3051; Order effective December 28, 2011.
Violation: 31A-14-216, Company has met all requirements to Release from Regulation.
Limitations: License Surrendered

Instil Health Insurance Company: E-Case #3020; Order effective December 28, 2011.
Violation: 31A-14-216 – Company has met all requirements for Release from Regulation.
Limitations: License Surrendered

Advantage Title Company: E-Case #2852; Effective Date: April 25, 2011.
Violation: 31A-23a-415 – Failure to pay an assessment when due.
Limitation: License Surrendered


Individual & Agency Licensees

Cease and Desist Order

Personal Family Physicians: E-Case #2782; Order February 22, 2011.
Unlicensed, violations: 31A-4-106, 31A-1-104, 31A-4-102(1), 31A-23a-402(1)(a)(i).? Respondents are in violation of Utah Insurance laws by contracting with patients to provide health care services in exchange for a prepaid fee, by advertising and soliciting prepaid health services, and for stating that the contract for prepaid health care was not insurance.
License Limitation: Cease and Desist

Dr. Michael Jennings: E-Case #2782; Order February 22, 2011.
Unlicensed, violations: 31A-4-106, 31A-1-104, 31A-4-102(1), 31A-23a-402(1)(a)(i).? Respondents are in violation of Utah Insurance laws by contracting with patients to provide health care services in exchange for a prepaid fee, by advertising and soliciting prepaid health services, and for stating that the contract for prepaid health care was not insurance.
License Limitation: Cease and Desist

Revocations

Michael T. Moss: E-Case #2582; Order effective August 9, 2011.
Violation: 31A-23a-111(5)(b)(ii)(C) & 31A-2-308 – Respondent failed to obey the Order previously issued by the commissioner.
License Limitation: Revocation

Timothy Vest: E-Case #2780; Order effective November 17, 2011.
Violations: 31A-23a-111(5)(b)(i) – unqualified to hold a license; 111(5)(b)(ii)(A) – Violated an insurance statute; 111(5)(b)(ix) – Provided information in a license application that is incorrect, misleading, incomplete, or materially untrue; 111(5)(b)(xi) – obtained a license through misrepresentation or fraud; 111(5)(b)(xii) Improperly withheld, misappropriated, or converted money received in the course of doing insurance business; 111(5)(b)(xv) – admitted to or was found to have committed an insurance unfair trade practice or fraud; 111(5)(b)(xvi) – Used fraudulent or dishonest practices in the course of business, or demonstrated incompetence, untrustworthiness, or financial irresponsibility; and 111(5)(b)(xxiv) – Engaged in a method or practice in the conduct of business that endangered the legitimate interests of customers and the public.
License Limitations: Consultant License revoked effective December 1, 2011 and Resident Individual License denied effective December 1, 2011

Christopher Schulthies: E-Case #2905; Order effective October 20, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitations: Revoked

Kayla Shuler: E-Case #2897; Order effective October 21, 2011.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the commissioner.
Limitations: Revocation

David F. Wickes: E-Case #2780; Order effective September 22, 2011.
Violations: 31A-23a-111(5)(b)(i) – unqualified to hold a license; 31A-23a-111(5)(b)(ii)(A) – has violated an insurance statute; 31A-23a -111(5)(b)(ix) – provides information in a license application that is incorrect, misleading, incomplete, or materially untrue; 31A-23a-11(5)(b)(xi) – obtains a license through misrepresentation or fraud; 31A-23a-111(5)(b)(xii) – improperly withholds, misappropriates, or converts money received in the course of doing insurance business; 31A-23a-111(5)(b)(xv) – admits to or is found to have committed an insurance unfair trade practice or fraud; 31A-23a-111(5)(b)(xvi) – in the conduct of business uses fraudulent or dishonest practices, or demonstrates incompetence, untrustworthiness, or financial irresponsibility; and 31A-23a-111(5)(b)(xxiv) – engages in a method or practice in the conduct of business that endangers the legitimate interests of customers and the public.
License Limitation: Revocation

Troy Andrew Tripp: E-Case #2845; Order effective 07/27/2011.
Violation: 63G-4-209 Failed to appear at a scheduled hearing regarding failure to respond to other requests by the Department.
License Limitation: Revocation

Eagle Ins Agency Holdings LLC: E-Case #2817; Order effective August 30, 2011.
Violation: 31A-2-202(4) Failed to submit a timely response to an inquiry from the Commissioner.
Limitations: Revocation

Steven A. Pfeiffer: E-Case #2818; Order effective August 30, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitations: Revocation

Johnna Kay Thornley: E-Case #2862; Order effectiveJuly 27,2011.
Violation: 31A-2-202(4): Failed to respond to an inquiry from the commissioner.
License: Revocation

Adam D. Appell: E-Case #2791; Order effective July 27, 2011.
Violation: 31A-2-202(4): Failure to respond to an inquiry from the commissioner.
License: Revocation

Jason C. House: E-Case #2442; Order effective April 12, 2011.
Violation: 63G-4-209: Respondent failed to comply with an order of the Commissioner to pay forfeiture and obtain a “mentor” approved by the department in a timely manner.
License Limitation: Revoked

Juan Carlos Martinez: E-Case #2711; Order effective February 10, 2011.
Violation: 31A-2-308 – Respondent failed to obey the order of the commissioner. Forfeiture: None
License Limitations: Revocation

Jeffrey K Johannessen: E-Case #2873; Order effective June 29, 2011.
Violations: 31A-23a-105(2) – Requires a licensed individual producer to report criminal prosecution; 31A-23a-107(2) – Respondent’s actions show he does not meet character requirements to hold an insurance producer?s license; 31A-23a-111(5)(b)(i) – Unqualified for license; 31A-23a-111(5)(b)(xiv) – Convicted of a felony.
License Limitation: Revocation

Jorge Luis Pitta: E-Case #2766; Order effective March 15, 2011.
Violation: 31A-23a-111, misappropriated and converted money received in the course of doing insurance business. Forged another’s name to a document related to an insurance transaction.
License Limitation: Revocation

Casey L. Hoffert: E-Case #2725; Order effective: March 17, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitations: Revocation

Benjamin Tierrablanca: E-Case #2724; Order effective: March 17, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitations: Revocation

Lisa Giacomino: E-Case #2762; Order effective March 22, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: Revocation

John Michael Santos: E-Case #2693; Order effective January 19, 2011.
Violation: 31A-2-202(4), Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $250
License Limitations: Revocation

Suspension

None

Probation

Bad Boys Bail Bonds: E-Case #3039; Order effective December 21, 2011.
Violation: 31A-23a-409, 31A-35-603(2)(a), R590-170(4-5) – Failed to establish and maintain a trust account.
Administrative Forfeiture: $5,000
License Limitation: 24 month probation

Statewide Bail Bonding: E-Case #2921; Order Effective December 13, 2011.
Violation:- 31A-23a-409, 31A-35-603(2)(a)(b), R590-170(4), (5), (7) – Failed to maintain a trust account. 31A-35-402(2) & (3), 31A-23a-103(c) – Agents executed bail bonds without holding a current appointment from a bail bond surety or current designation from a bail bond company. R590-196-6 – Failed to update forms.
Forfeiture: $5,500
License Limitation: 24 months probation

Price Bail Bonding/Bert J. Christenson: E-Case #2978; Order effective November 14, 2011.
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

Liberty Title West: E-Case #3030; Order effective December 28, 2011.
Violations: 31A-23a-103 – requirements of license; 31A-23a-302 – Representations of agency; 31A-23a-413 – Title Producers annual report; 31A-19a-209 – Special provisions for title insurance and R590-154-7; Sale, Solicitation, or Negotiation of Insurance. Respondent utilized an unapproved person to conduct Insurance business. Respondent failed to file escrow rates and annual report. Respondent conducted title and escrow services with an unlicensed/un-associated producer.
Forfeiture: $5,000
License Limitation: 12 Months Probation

Genwealth Advisory Group: E-Case #2965; Order effective: October 25, 2011.
Violation: 31A-23a-302(6) and (7) – A person designated on an agency license is presumed to be acting on behalf of the agency in the conduct of business.
Forfeiture: $5,000 – jointly and severally with E-Case #2964
License Limitations: 24 Months Probation

Manuel Rene Negron: E-Case #2964; Order Effective October 25, 2011.
Violation: 31A-23a-402(1)(a)(i) and 31A-31-103(1)(a) – Knowingly presented to an insurer a written statement or representation knowing that it contained false or misleading information. Under 31A-2-308, any person who violates any statute or rule shall forfeit to the State two times the amount of any profit gained for the violation.
Forfeiture: $5,000 – jointly and severally with E-case #2965
License Limitations: 24 Months Probation.

Dewey’s Bail Bonds, Dominic Sanone and Louis Sanone: E-Case #2922; Order Effective: October 21, 2011
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 18 month probation

Kory L. Sweatfield: E-Case #2946; Order effective October 13, 2011.
Violation: R590-230-5 (1) and (2) – Recommended the replacement of an annuity to the detriment of the consumer; unsuitable annuity recommendation.
Forfeiture: $1,000
License Limitations: 12 Month Probation

Jason Lee Cook: E-Case #2945; Order effective October 13, 2011.
Violation: R590-230-5 (1) and (2) – Recommended the replacement of an annuity to the detriment of the consumer; unsuitable annuity recommendation.
Forfeiture: $1,000
License Limitations: 12 Month Probation

Stacy Moulton: E-Case #2962; Order effective November 14, 2011.
Violation: 31A-23a-103 – Performing duties of an insurance customer service representative without a license.
Forfeiture: $1,500
License Limitation: 12 months probation

Troy Earl Sawyer: E-Case #3023; Order effective November 14, 2011.
Violations: 31A-23a-402 – Submitted false information relating to an insurance product; 31A-26-303 – knowingly misrepresented material facts in regards to an insurance claim; 31A-31-10 – committed a fraudulent insurance act with the intent to deceive or defraud.
Forfeiture: $2,500
License Limitation: 24 month probation; mandatory completion of 3 additional hours of Ethic CE.

William J. Gerdts: E-Case #2972; Order effective October 25, 2011
Violations: 31A-23a-402 – by submitting changes to insurance policies without the consent of the insured. By submitting false or misleading information to an insurer it calls into question character requirements of a licensee to be competent and trustworthy, as specified in 31A-23a-107.
Forfeiture: $4,000
License Limitation: 24 month probation & 3 additional CE hours of Ethic.

Scott L Powell: E-Case #2841; Order effective July 13, 2011.
Violations: 31A-23a-103. Requirements of license – Respondent failed to renew individual license and conducted title and escrow services during the time license lapsed.?
Forfeiture: $2,500
License Limitation: 12 Month Probation

Jarimy B. Yingling: E-Case #2971; Order effective October 21, 2011.
Violations: UCA 31A-23a-402 – by submitting changes to insurance policies without the consent of the insureds. By submitting false or misleading information to an insurer, calls into question his qualification to hold an insurance license under 31A-23a-107 requiring a licensee to be competent and trustworthy.
Forfeiture: $4,000
License Limitation: 24 months probation & 3 additional CE hours of Ethic.

Billy A. Gerdts: E-Case #2973; Order effective October 21, 2011.
Violations: 31A-23a-402 – Submitted changes to insurance policies without the consent of the insureds. By submitting false or misleading information to an insurer, calls into question his qualification to hold an insurance license under 31A-23a-107 – requiring a licensee to be competent and trustworthy.
Forfeiture: $4,000
License Limitation: 24 months probation & mandatory completion of 3 additional hours of Ethic CE.

Tory J. Wilcox: E-Case #2966; Order effective September 29, 2011.
Violation: 31A-23a-402 – Provided false signatures on applications for insurance.
Forfeiture: $4,672.30
License Limitation: 24 months probation

Steve’s Bail Bonds & Clyde Stevens: E-Case #2952; Order Effective: September29, 2011.
Violation: 31A-35-602(2), 31A-35-604(3) – Failed to maintain records at the principal place of business.? 31A-35-607(2)(b), R590-196-4(i) & R590-196-6 – Failed to update forms.
Forfeiture: $1,500
License Limitation: 6 months probation

Beehive Bail Bonds: E-Case #2951; Order Effective September 20, 2011
Violation: 31A-23a-409, 31A-35-603(2)(a), R590-170(4-5) – Failed to maintain the trust account, 31A-35-602, 31A-35-604 – Failed to maintain records at the place of business.
Forfeiture: $5,000
License Limitation: 18 months probation

America Latina Insurance Services: E-Case #2950; Order effective September 22, 2011.
Violations: 31A-23a-409 by commingling trust monies with the licensee’s own monies and 31a-23a-501 by failing to uniformly apply fee charges, by charging fees for services for which respondent received a commission and by failing to obtain customers signatures on a written disclosure.
Forfeiture: $6,270
License Limitation: 24 months Probation

Bridgett Ellis Teraci: E-Case #2833; Order effective June 13, 2011.
Violations: 31A-23a-103 Respondent failed to renew individual license and conducted title and escrow services during the time license lapsed.
Forfeiture: $1,500
License Limitation: 12 Months Probation

AA Rocky Mountain Bonds: E-Case #2960; Order Effective: August 30, 2011
Violation: 31A-23a-409, R590-170(4-5) Failed to maintain a trust account.
Forfeiture: $2,000
License Limitation: 12 months probation

Aseguranza Para Autos: E-Case #2925; Order effective August 9, 2011
Violations: 31A-23a-103 Failed to have a proper agency license and used unlicensed individuals acting as producers;?31A-23a-301 Failed to designate individuals to act in behalf of the agency; 31A-23-402.5 Provided commission?rebates?for referrals.
Forfeiture: $11,500
License Limitation: 12 months probation

Claudia Arriaga: E-Case #2926; Order effective August 9, 2011
Violation: 31A-23a-103 Acting in the capacity of an insurance producer without a license.
Forfeiture: $1,500
License Limitation: 12 months probation

Home Abstract Title Co, Inc, The: E-Case #2778; Order effective March 22, 2011.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-408 – Representations of agency. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active company/underwriter appointment.
Forfeiture: $1,500
License Limitation: 12 Months Probation

Daniel Lee Finlay: E-Case #2779; Order effective July 26, 2011.
Violations: 31A-23a-103(1)(c) – Respondent marketed insurance using an unlicensed agency.
31A-8a-201 – Marketed a health discount program without being licensed.
31A-23a-402(1)(a) and 31A-2-202(6) – Incorrectly change the name on his individual license to the name of an entity.
License Limitations: 24 months Probation; Surrender agency license; Required to be employed and supervised by another insurance producer for the duration of the probationary period.

Sydnee Foulger: E-Case #2889; Order effective July 20, 2011
Violation: UCA 31A-23a-103 – By acting in the capacity of an insurance customer service representative without being licensed by the Department.
Forfeiture: $1,500
License Limitation: 12 months probation

Granite Bail Bonds & Ryan Cooper: E-Case #2861; Order effective July 14, 2011.
Violation: 31A-23a-409, R590-170(4) & (5) ?“ Failed to establish and maintain a trust account.
Forfeiture: $5000
License Limitation: 18 months probation

Heiner’s Insurance Center: E-Case #2888; Order effective July 13, 2011.
Violations: 31A-23a-103. Utilized unlicensed individuals as customer service representatives and charged fee for services for which it earned a commission.
Forfeiture: $9,500
License Limitation: 12 months probation

Heather Taylor: E-Case #2890; Order effective July 13, 2011.
Violations: 31A-23a-103, acted in the capacity of an insurance customer service representative without being licensed by the Department.
Forfeiture: $1,500
License Limitation: 12 months probation

Lyudmila Gleason: E-Case #2893; Order effective June 29, 2011.
Violation: 31A-23a-402(1)(a)(I), Falsified information on an insurance applications about previous insurance coverage and insurers; and improperly reissued policies to customer’s whose insurance scores improved allowing them to receive a discount.
Forfeiture: $4703.59
License Limitation: 24 months probation and 3 additional hours of Ethics CE

Main Street Insurance Agency: E-Case #2829; Order effective May 26, 2011.
Violation: 31A-23a-409(1)(b)(i)(A) – Commingling trust monies with the licensee’s own monies.
Forfeiture: $3,000
License Limitation: 12 months probation

Payless Bail Bonds & Craig Crawford: E-Case #2800; Order Effective May 2, 2011.
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

B & B Bail Bonds, Brent Taylor: E-Case #2837; Order Effective May 24, 2011.
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

National Title Agency: E-Case #2769; Order effective April 11, 2011.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency designations; 31A-23a-408 – Representations of agency – Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed.
Forfeiture: $5,000
License Limitation: 12 Months Probation

Rochelle Roberts: E-Case #2796; Order effective May 17, 2011.
Violation: 31A-23a-402, engaged in a deceptive act or practice in the business of insurance.
Forfeiture: $250
License Limitation: 24 months probation

James Tyler Holden: E-Case #2786; Order effective April 27, 2011.
Violations: 31A-23a-103 – Requirements of license; 31A-2-302 – Reports and replies; Respondent failed to renew producer license and conducted title and escrow services during the time license lapsed. Provided false or misleading information to department.
Forfeiture: $3,000
License Limitation: 12 Months Probation

AAA Bail Bonds & Wayne Carlos: E-Case #2799; Order Effective: May 12, 2011
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

Cindy Lee Perry: E-Case #2772; Dated March 8, 2011
Violation: R590-154-11: Respondent violated the provision of Utah Insurance Rule by offering to the public inducements to quote insurance products, which is in excess of the maximum allowable acquisition cost allowed.
Forfeiture: $2000
License Limitation: 12 months probation

Perry Insurance Agency, Inc.: E-Case #2772; Dated March 8, 2011
Violation: R590-154-11: Respondent violated the provision of Utah Insurance Rule by offering to the public inducements to quote insurance products, which is in excess of the maximum allowable acquisition cost allowed.
Forfeiture: $2000
License Limitation: 12 months probation

James W. Riche: E-Case #2741; Dated February 24, 2011
Violation: UCA 31A-23a-103(1)(c): – Respondent knowingly allowed a person to represent A Active Insurance Agency who was not designated to the agency. UCA 31A-23a-402(1)(a)(i), by submitting insurance application signed by a person who did not meet with the insured’s and was unaware of the information contained in the applications. UCA 31A-23a-409, by not depositing insurance premiums into the trust by the close of the next business day. UAC R590-170-7, by failing to maintain records that would facilitate an audit of a trust.
Forfeiture: $1500
License Limitation: 24 months probation

A Active Insurance Agency, Inc.: E-Case #2741; Dated February 24, 2011
Violation: UCA 31A-23a-103(1)(c): – Respondent knowingly allowed a person to represent A Active Insurance Agency who was not designated to the agency. UCA 31A-23a-402(1)(a)(i), by submitting insurance application signed by a person who did not meet with the insured’s and was unaware of the information contained in the applications. UCA 31A-23a-409, by not depositing insurance premiums into the trust by the close of the next business day. UAC R590-170-7, by failing to maintain records that would facilitate an audit of a trust.
Forfeiture: $1500
License Limitation: 24 months probation

Sam M. Jacobson: E-Case #2801; Order effective April 26, 2011.
Violations: 31A-23a-402(1)(a)(I) – Creating false proof of prior insurance on insurance applications;
31A-23a-107(2) – by creating false proof of prior insurance there is question to his qualifications to hold a license.
Forfeiture: $8,884.50
License Limitation: 24 months probation and 3 additional hours of Ethics CE

Stephen Abraham (Abe) Ashton: E-Case #2814; Order effective: April 19, 2011.
Violations: 31A-23a-402(1) Providing false or misleading information relating to an insurance contract to an insured; and providing misleading information on an insurance application to an insurer.
Forfeiture: $15,000
License Limitations: 12 Months Probation beginning March 1, 2011

Gregory V. Hagen: E-Case #2746; Order effective April 26, 2011.
Violation: 31A-23a-111(5)(b)(iv); Failed to pay final judgment rendered against him in this state within 60 days of the judgment becoming final.
License Limitation: License on Probation 24 months

Kandie Lee Robinson: E-Case #2745; Order effective date March 24, 2011.
Violation: 31A-23a-111(5)(b)(iv) – Failed to pay final judgment rendered against her in this state within 60 days of the judgment becoming final.
License Limitation: 24 months probation

Joshua D. Cranney: E-Case #2759; Dated February 22, 2011
Violation: R590-170-4(3): Respondent violated the provision of Utah Insurance Rule by failing to designate a trust account that was separate and distinct from operating and personal accounts; R590-170-5(3): Respondent violated the provision of Utah Insurance Rule by making payments for personal or business expenses from a trust account.
Forfeiture: Jointly assessed $3500
License Limitation: 12 months probation

Tresa D. Cranney: E-Case #2760; Dated February 22, 2011
Violation: R590-170-4(3): Respondent violated the provision of Utah Insurance Rule by failing to designate a trust account that was separate and distinct from operating and personal accounts; R590-170-5(3): Respondent violated the provision of Utah Insurance Rule by making payments for personal or business expenses from a trust account.
Forfeiture: Jointly assessed $3500
License Limitation: 12 months probation

Joshua D. Cranney Insurance Agency, Inc: E-Case #2761; Dated February 22, 2011.
Violation: R590-170-4(3), Respondent violated the provision of Utah Insurance Rule by failing to designate a trust account that was separate and distinct from operating and personal accounts; R590-170-5(3), Respondent violated the provision of Utah Insurance Rule by making payments for personal or business expenses from a trust account.
Forfeiture: Jointly assessed $3500
License Limitation: 12 months probation

Summit Escrow and Title Insurance Agency, LLC: E-Case #2598; Order effective April 11, 2011.
Violation: 31A-23a-406(1)- Conducting an escrow closing without issuing a policy of title insurance.
Forfeiture: $1,000
License Limitation: Probation 6 months

Hy and Mike’s Bail Bonding: E-Case #2767: Order Effective: 03/22/2011.
Violation: 31A-35-402(2) – Agents executed bail bonds without holding a current appointment from a bail bond surety or current designation from a bail bond company.
31A-23a-409(1)(b)(i)(A)(B), R590-170-5(2), R590-170-7(4)(6) – Failed to maintain the integrity of trust account, commingling personal and business monies with trust monies.
Forfeiture: $56,000 with $23,000 stayed
License Limitation: 24 months probation

Price Bail Bonding, Inc.: E-Case #2771; Order Effective: 03/15/2011.
Violation: 31A-35-404, R590-186-5 – Failed to submit financial statements by July 15th.
Forfeiture: $2,000
License Limitation: 24 months probation

Ryan D Gorham: E-Case #2776; Dated March 11, 2011.
Violations: 31A-23a-409(1)(b)(A) & R590-170-5(2)- Respondent commingled trust funds with his own monies.
Forfeiture: $590
License Limitation: 24 months probation

Corrie L. Bingham Insurance Agency Inc.: E-Case #2773; Dated March 15, 2011.
Violations: 31A-23a-103(1)(c) & UCA-23a-302 – Respondent violated the requirements by allowing an individual to conduct insurance business on the agency’s behalf without being licensed and designated.
Forfeiture: $3,500
License Limitation: 12 months probation.

Corrie L. Bingham: E-Case #2774; Dated March 15, 2011
Violations: UCA 31A-23a-103(1)(c) & UCA-23a-302 – Respondent violated the requirements by allowing an individual to conduct insurance business on the agency’s behalf without being licensed and designated.
Forfeiture: $3,500
License Limitation: 12 months probation, three hours additional ethics, CE

Christina V. Forrester: E-Case #2775; Dated March 15, 2011
Violations: 31A-23a-103(1) – Respondent violated the requirements by performing services for the Corrie L. Bingham Insurance Agency, Inc. which required an insurance license.
Forfeiture: $750
License Limitation: 12 months probation, three hours of ethics continuing education in addition to the continuing education required for license renewal.

1st Out Bail Bonds & Gordon Wright: E-Case #2763; Order effective February 22, 2011.
Violation: 31A-23a-409, R590-170(4-5) Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

Guardian Title Insurance Agency of Southern Utah: E-Case #2405;
Order on remand effective January 10, 2011.
Violation: 31A-23-406(1)(c) Preformed a cash split closing without issuing a title insurance policy.
Forfeiture: $1,000
Limitation: Probation 60 Days

Khory V. Crockett: E-Case #2748; Dated February 10, 2011
Violations: UAC R590-170-7(1) -(6)Respondent failed to maintain a proper trust account by not reconciling trust bank statements monthly; failed to maintain adequate records to establish ownership of all trust funds; and failed to maintain accounting records relating to the business of insurance in a manner that facilitates an audit.
Forfeiture: $2000
License Limitation: 12 months probation

Khory V. Crockett Insurance Agency: E-Case #2748; Dated February 10, 2011
Violations: UAC R590-170-7(1) (6) Respondent failed to maintain a proper trust account by not reconciling trust bank statements monthly; failed to maintain adequate records to establish ownership of all trust funds; and failed to maintain accounting records relating to the business of insurance in a manner that facilitates an audit.
Forfeiture: $2000
License Limitation: 12 months probation

Forfeiture

Dynamic Insurance Agency: E-Case #2876; Order effective July 20, 2011.
Violations: 31A-23a-103 & 31A-23a-302 – Respondent violated provisions when it utilized unlicensed individuals as customer service representatives and/or producers in its two Utah offices
Forfeiture: $9,000

Bad Boys Bail Bonds: E-Case #3039; Order effective December 21, 2011.
Violation: 31A-23a-409, 31A-35-603(2)(a), R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

Statewide Bail Bonding: E-Case #2921; Order Effective December 13, 2011.
Violation: 31A-23a-409, 31A-35-603(2)(a)(b), R590-170(4), (5), (7) – Failed to maintain a trust account. 31A-35-402(2) & (3), 31A-23a-103(c) – Agents executed bail bonds without holding a current appointment from a bail bond surety or current designation from a bail bond company. R590-196-6 – Failed to update forms.
License Limitation: 24 months probation
Forfeiture: $5,500

GBS Benefits Inc.: E-Case #2885; Order effective June 14, 2011.
Violations: 31A-23a-402- Respondent provided services not specified in the policy, without charging fee.
License Limitations: $5,000 forfeiture, 6 months probation.

Price Bail Bonding/Bert J. Christenson: E-Case #2978; Order effective November 14, 2011.
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
License Limitation: 24 month probation
Forfeiture: $5,000

Liberty Title West: E-Case #3030; Order effective December 28, 2011.
Violations: 31A-23a-103 – requirements of license; 31A-23a-302 – Representations of agency; 31A-23a-413 – Title Producers annual report; 31A-19a-209 – Special provisions for title insurance and R590-154-7; Sale, Solicitation, or Negotiation of Insurance. Respondent utilized an unapproved person to conduct Insurance business. Respondent failed to file escrow rates and annul report. Respondent conducted title and escrow services with an unlicensed/un-associated producer.
Forfeiture: $5,000
License Limitation: 12 Months Probation

Meridian Title Company: E-Case #2692; Order effective January 3, 2011.
Violation: 31A-23a-406 (2009) – Funds held in escrow may not be used until all conditions are met.
Forfeiture: $1,500

2nd Chance Bail Bonds/Tony Choate: E-Case #3038; Order Effective December 28, 2011.
Violation: R590-196-4(i) & R590-196-6 – Failed to update forms.
Forfeiture: $250

Genwealth Advisory Group: E-Case #2965; Order effective October 25, 2011.
Violation: 31A-23a-302(6) and (7) – A person designated on an agency license is presumed to be acting on behalf of the agency in the conduct of business.
License Limitations: 24 Months Probation
Forfeiture: $5,000 – jointly and severally with E-Case #2964

Manuel Rene Negron: E-Case #2964; Order Effective October 25, 2011.
Violation: 31A-23a-402(1)(a)(i) and 31A-31-103(1)(a) – Knowingly presented to an insurer a written statement or representation knowing that it contained false or misleading information. Under 31A-2-308, any person who violates any statute or rule shall forfeit to the State two times the amount of any profit gained for the violation.
License Limitations: 24 Months Probation.
Forfeiture: $5,000 – jointly and severally with E-case #2965

Dewey’s Bail Bonds, Dominic Sanone and Louis Sanone: E-Case #2922; Order Effective October 21, 2011
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
License Limitation: 18 month probation
Forfeiture: $5,000

Kory L. Sweatfield: E-Case #2946; Order effective October 13, 2011.
Violation: R590-230-5 (1) and (2) – Recommended the replacement of an annuity to the detriment of the consumer; unsuitable annuity recommendation.
License Limitations: 12 Months Probation
Forfeiture: $1,000

Jason Lee Cook: E-Case #2945; Order effective October 13, 2011.
Violation: R590-230-5 (1) and (2) – Recommended the replacement of an annuity to the detriment of the consumer; unsuitable annuity recommendation.
License Limitations: 12 Months Probation
Forfeiture: $1,000

Martin Ferguson: E-Case #2979; Order effective October 28, 2011.
Violation: 31A-23a-402(8)(a) – Respondent engaged in an unfair method of competition when placing an advertisement in a magazine that did not disclose the insurer, and used a nickname that was not filed with the department.
License Limitation: 12 months probation
Forfeiture: $1,000

Stacy Moulton: E-Case #2962; Order effective November 14, 2011.
Violation: 31A-23a-103 – Performing duties of an insurance customer service representative without a license.
License Limitation: 12 months probation
Forfeiture: $1,500

David A Rich: E-Case #3022; Order effective November 14, 2011.
Violation: 31A-23a-103 – Utilized the services of another as a producer while maintaining an agency.
Forfeiture: $3000

Troy Earl Sawyer: E-Case #3023; Order effective November 14, 2011.
Violations: 31A-23a-402 – Submitted false information relating to an insurance product; 31A-26-303 – knowingly misrepresented material facts in regards to an insurance claim; 31A-31-10 – committed a fraudulent insurance act with the intent to deceive or defraud.
License Limitation: 24 months probation; mandatory completion of 3 additional hours of Ethic CE.
Forfeiture: $2,500

April Marie Wilson: E-Case #3049; Order Effective November 14, 2011.
Violation: 31a-2-202(4) – Failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Eric S. Swider: E-Case #2968; Order effective 10/25/2011.
Violation: 31A-23a-105 – Respondent failed to report?administrative action to the commissioner.
Forfeiture: $250

Phillip Doyle Hess: E-Case #2970; Order effective 10/25/2011.
Violation: 31A-23a-105 – Respondent failed to report?criminal action to the commissioner.
Forfeiture: $750

Joaquina Estela Lewis: E-Case #3016; Order effective 10/21/2011.
Violation: 31A-23a-105 – Respondent failed to report criminal action to the commissioner.
Forfeiture: $500

James Ruffin McKinley: E-Case #3036; Order effective October 25, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Sarah Sharp: E-Case #3035; Order effective October 25, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

First West Benefit Solutions: E-Case #3000; Order effective October 21, 2011.
Violations: 31A-23a-103(1)(a) – Respondent advertised services as a consultant agency without a valid license.
Forfeiture: $3,000

Tyson Dean: E-Case #3021; Order effective October 21, 2011.
Violations: 31A-23a-105(2) and 31A-2-202(6) – Respondent failed to disclose criminal history on license application.
Forfeiture: $500

Scott L Powell: E-Case #2841; Order effective July 13, 2011.
Violations: 31A-23a-103 – Requirements of license – Respondent failed to renew individual license and conducted title and escrow services while license lapsed.
License Limitation: 12 Months Probation
Forfeiture: $2,500

Jarimy B. Yingling: E-Case #2971; Order effective October 21, 2011.
Violations: 31A-23a-402 – Submitted changes to insurance policies without insured’s consent. By submitting false or misleading information to an insurer, calls into question his qualification to hold an insurance license under 31A-23a-107 which requires a licensee to be competent and trustworthy.
License Limitation: 24 months probation & mandatory completion of 3 additional hours of Ethic CE.
Forfeiture: $4,000

Billy A. Gerdts: E-Case #2973; Order effective October 21, 2011.
Violations: 31A-23a-402 – Submitted changes to insurance policies without the consent of the insureds. By submitting false or misleading information to an insurer, calls into question his qualification to hold an insurance license under 31A-23a-107 – requiring a licensee to be competent and trustworthy.
License Limitation: 24 months probation & mandatory completion of 3 additional hours of Ethic CE.
Forfeiture: $4,000

American Equity Investment Life Insurance Company: E-Case #2949; Order effective: September 29, 2011
Violation: 31A-22-409 In marketing and delivering insurance contracts that did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Forfeiture: $5,000

Ability Insurance Company: E-Case #2994; Order effective September 13, 2011.
Violation: R590-148-25 Failed to electronically file Long Term Care Insurance Reports on or before June 30, 2011.
Forfeiture: $3,000

Lincoln National life Insurance Company: E-Case #2989; Order effective September 13, 2011.
Violation: R590-148-25 Failed to electronically file Long Term Care Insurance Reports on or before June 30, 2011.
Forfeiture: $6,000

Genworth Life and Annuity Insurance Company: E-Case #3006; Order effective September 13, 2011.
Violation: R590-148-25 Failed to electronically file Long Term Care Insurance Reports on or before June 30, 2011.
Forfeiture: $6,000

Continental Casualty Insurance Company: E-Case #3011; Order effective September 30, 2011.
Violation: R590-148-25 Failed to electronically file Long Term Care Insurance Reports on or before June 30, 2011.
Forfeiture: $6,000

Tory J. Wilcox: E-Case #2966; Order effective September 29, 2011.
Violation: 31A-23a-402 Provided false signatures on applications for insurance.
License Limitation: 24 months probation
Forfeiture: $4,672.30

Nolan Taylor: E-Case #2958; Order effective September 20, 2011.
Violation: 31A-23a-103(1)(a) – Respondent advertised services as a consultant agency without a valid license.
Forfeiture: $1,000

Monument Title Insurance, Inc.: E-Case #2834; Order effective June 13, 2011.
Violations: 31A-23a-103 – Requirements of licensure; 31A-23a-302 Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency.
Forfeiture: $2,500

AA Rocky Mountain Bonds: E-Case #2960; Order Effective August 30, 2011
Violation: 31A-23a-409, R590-170(4-5) – Failed to maintain a trust account.
License Limitation: 12 months probation
Forfeiture: $2,000

The Hunter Group: E-Case #2927; Order effective 08/23/2011.
Violation: R590-154-11 Offered an inducement to enter into an insurance contract or to receive a quote.
Forfeiture: $500

Dynamic Insurance Agency: E-Case #2876; Order effective 07/20/2011.
Violation: 31A-23a-103 Acting in the capacity of a customer service representative and/or producer without a license.
Forfeiture: $9,000

Celia G. Ortiz: E-Case #2878; Order effective 07/13/2011.
Violation: 31A-23a-103 Acting in the capacity of a customer service representative and/or producer without a license.
Forfeiture: $750

Maria Zulema Gonzalez: E-Case #2877; Order effective 07/13/2011.
Violation: 31A-23a-103 Acting in the capacity of a customer service representative and/or producer without a license.
Forfeiture: $750

Delta Financial Insurance Brokerage Corporation: E-Case #2895; Order effective 07/13/2011.
Violation: 31A-23a-105 Respondent failed to report administrative action to the commissioner.
Forfeiture: $500

Aseguranza Para Autos: E-Case #2925; Order effective August 9, 2011
Violations: 31A-23a-103 Failed to have a proper agency license and used unlicensed individuals acting as producers; 31A-23a-301 Failed to designate individuals to act on behalf of the agency; 31A-23-402.5 Provided commission rebates for referrals.
License Limitation: 12 months probation
Forfeiture: $11,500

Claudia Arriaga: E-Case #2926; Order effective August 9, 2011
Violation: 31A-23a-103 Acting in the capacity of an insurance producer without a license.
License Limitation: 12 months probation
Forfeiture: $1,500

Kimberly Ann Smallwood: E-Case #2851; Order effective August 9, 2011.
Violation: 31A-2-202(4) Failure to respond to an inquiry from the commissioner.
Forfeiture: $500

Sydnee Foulger: E-Case #2889; Order effective July 20, 2011
Violation: UCA 31A-23a-103 By acting in the capacity of an insurance customer service representative without being licensed by the Department.
License Limitation: 12 months probation
Forfeiture: $1,500

Granite Bail Bonds & Ryan Cooper: E-Case #2861; Order effective July 14, 2011.
Violation: 31A-23a-409, R590-170(4) & (5) Failed to establish and maintain a trust account.
License Limitation: 18 months probation
Forfeiture: $5000

Home Abstract Title Co, Inc, The: E-Case #2778; Order effective March 22, 2011.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-408 – Representations of agency. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active company/underwriter appointment.
License Limitation: 12 Months Probation
Forfeiture: $1,500

Ariel Ivan Moreno: E-Case #2928; Order effective July 13, 2011
Violation: 31A-2-202(4) Failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Heiner’s Insurance Center: E-Case #2888; Order effective July 13, 2011
Violations: 31A-23a-103, Utilized unlicensed individuals as customer service representatives and charged fee for services for which it earned a commission.
License Limitation: 12 months probation
Forfeiture: $9,500

Heather Taylor: E-Case #2890; Order effective July 13, 2011.
Violations: 31A-23a-103, acted in the capacity of an insurance customer service representative without being licensed by the Department.
Forfeiture: $1,500
License Limitation: 12 months probation

Skyler L. Chambers: E-Case #2790; Order effective June 14, 2011.
Violation: 31A-23a-105 – Respondent failed to report criminal charges to the Commissioner.
Forfeiture: $500

Ariel Ivan Moreno: E-Case #2928; Order effective July 13, 2011.
Violation: 31A-2-202(4) – Failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Aetna Life Insurance Company: E-Case #2886; Order effective June 29, 2011.
Violations: 31A-30-106(1)(e), Respondent used an industry factor exceeding the allowed 15% limitation. 31A-2-202(1) Respondent failed to timely respond to an inquiry from the commissioner.
Forfeiture: $13,000

Bret E Harding: E-Case #2768; Order effective June 29, 2011.
Violations: 31A-23a-103 – Respondent marketed insurance using an un-licensed agency.
Forfeiture: $1000

Lyudmila Gleason: E-Case #2893; Order effective June 29, 2011.
Violation: 31A-23a-402(1)(a)(I), Falsified insurance applications by listing non-existent prior insurance coverage with companies not insured with; and improperly reissued policies to customer’s whose insurance scores improved allowing them to receive a discount.
License Limitation: 24 months probation and 3 additional hours of Ethics CE.
Forfeiture: $4703.59

Main Street Insurance Agency: E-Case #2829; Order effective May 26, 2011.
Violation: 31A-23a-409(1)(b)(i)(A) – Commingling trust monies with the licensee’s own monies.
Forfeiture: $3,000
License Limitation: 12 months probation

Payless Bail Bonds & Craig Crawford: E-Case #2800; Order Effective May 2, 2011
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000
License Limitation: 24 month probation

B & B Bail Bonds, Brent Taylor: E-Case #2837; Order Effective May 24, 2011
Violation: 31A-23a-409, R590-170(4-5) – Failed to establish and maintain a trust account.
License Limitation: 24 month probation
Forfeiture: $5,000

National Title Agency: E-Case #2769; Order effective April 11, 2011.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency designations; 31A-23a-408 – Representations of agency – Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed.
License Limitation: 12 Months Probation
Forfeiture: $5,000

American Income Life Insurance Company: E-Case #2802; Order effective May 2, 2011.
Violation: R590-98-5, failed to comply with a policyholder request for policy values within 20 days of receipt of such request.
Forfeiture: $2,000

Rochelle Roberts: E-Case #2796; Order effective May 17, 2011.
Violation: 31A-23a-402, engaged in a deceptive act or practice in the business of insurance.
Forfeiture: $250
License Limitation: 24 months probation

Kim Keith Payne: E-Case #2810; Order effective April 25, 2011.
Violation: 31A-23a-105, failed to report criminal prosecution to the commissioner within 30 days.
Forfeiture: $500

Mountain View Title & Escrow, Inc.: E-Case #2787; Order effective May 9, 2011.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency Designations. Respondent allowed an un-associated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $2,500

TK Insurance & Financial Services: E-Case #2816; Order effective May 17, 2011.
Violations: 31A-23a-301 – Respondent marketed insurance using an unlicensed agency.
31A-23a-408 – Respondent claimed to represent insurer without proper appointment.
Forfeiture: $3000

Cindy Lee Perry: E-Case #2772; Dated March 8, 2011
Violation: R590-154-11: Respondent violated the provision of Utah Insurance Rule by offering to the public inducements to quote insurance products, which is in excess of the maximum allowable acquisition cost allowed.
Forfeiture: $2000
License Limitation: 12 months probation

Perry Insurance Agency, Inc.: E-Case #2772; Dated March 8, 2011
Violation: R590-154-11: Respondent violated the provision of Utah Insurance Rule by offering to the public inducements to quote insurance products, which is in excess of the maximum allowable acquisition cost allowed.
Forfeiture: $2000
License Limitation: 12 months probation

James W. Riche: E-Case #2741; Dated February 24, 2011
Violation: UCA 31A-23a-103(1)(c): – Respondent knowingly allowed a person to represent A Active Insurance Agency who was not designated to the agency. UCA 31A-23a-402(1)(a)(i), by submitting insurance application signed by a person who did not meet with the insured’s and was unaware of the information contained in the applications. UCA 31A-23a-409, by not depositing insurance premiums into the trust by the close of the next business day. UAC R590-170-7, by failing to maintain records that would facilitate an audit of a trust.
Forfeiture: $1500
License Limitation: 24 months probation

A Active Insurance Agency, Inc.;: E-Case #2741; Dated February 24, 2011
Violation: UCA 31A-23a-103(1)(c): – Respondent knowingly allowed a person to represent A Active Insurance Agency who was not designated to the agency. UCA 31A-23a-402(1)(a)(i), by submitting insurance application signed by a person who did not meet with the insured’s and was unaware of the information contained in the applications. UCA 31A-23a-409, by not depositing insurance premiums into the trust by the close of the next business day. UAC R590-170-7, by failing to maintain records that would facilitate an audit of a trust.
Forfeiture: $1500
License Limitation: 24 months probation

Sam M. Jacobson: E-Case #2801; Order effective April 26, 2011.
Violations: 31A-23a-402(1)(a)(I) – Creating false proof of prior insurance on insurance applications;
31A-23a-107(2) – by creating false proof of prior insurance there is question to his qualifications to hold a license.
Forfeiture: $8,884.50
License Limitation: 24 months probation and 3 additional hours of Ethics CE

Nicky Joe Root: E-Case #2828; Order effective April 4, 2011.
Violation: 31A-23a-105 – Failed to report an administrative action taken by another state.
Forfeiture: $500

Johnna Kay Thornley: E-Case #2862; Order effective April 27, 2011.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Stephen Abraham (Abe) Ashton: E-Case #2814; Order effective: April 19, 2011.
Violations: 31A-23a-402(1) Providing false or misleading information relating to an insurance contract to an insured; and providing misleading information on an insurance application to an insurer.
Forfeiture: $15,000
License Limitations: 12 Months Probation beginning March 1, 2011

Nebo Title Insurance Agency, Inc: E-Case #2822; Effective Date: April 25, 2011.
Violation: 31A-23a-413 Failure to file the Annual and Controlled Business reports for calendar year 2009 by the annual due date of April 30; 31A-2-202(4) Failure to respond to an inquiry of the Commissioner;?31A-23a-415?Failure to pay an assessment when due.
Forfeiture: $2,500

Union Title Insurance Agency, LLC: E-Case #2839; Effective Date: April 25, 2011.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner
Forfeiture: $750

Millcreek Land Title Insurance, Inc.: E-Case #2844; Effective Date: April 25, 2011.
Violation: 31A-23a-415 – Failure to pay an assessment when due.
Forfeiture: $750

American Preferred Title Insurance Agency Inc., (formerly known as Utah Commercial Title Insurance Agency): E-Case #2848; Effective Date: April 25, 2011.
Violation: 31A-23a-415 – Failure to pay an assessment when due.
Forfeiture: $750

Vintage Title Insurance Agency, Inc.: E-Case #2849; Effective Date: April 25, 2011.
Violation: 31A-23a-415 – Failure to pay an assessment when due.
Forfeiture: $750

Express Title Insurance Agency, Inc.: E-Case #2850; Effective Date: April 25, 2011.
Violation: 31A-23a-415 – Failure to pay an assessment when due.
Forfeiture: $750

Canyon Ridge Title & Escrow Insurance, LLC: E-Case #2853; Effective Date: April 25, 2011.
Violation: 31A-23a-415 Failure to pay an assessment when due.
Forfeiture: $750

Citadel Title and Escrow: E-Case #2854; Effective Date: April 25, 2011.
Violation: 31A-23a-415 Failure to pay an assessment when due.
Forfeiture: $750

Provo Land Title Company: E-Case #2856; Effective Date: April 25, 2011.
Violation: 31A-23a-415 – Failure to pay an assessment when due.
Forfeiture: $750

Select Title Insurance Agency, Inc.: E-Case #2857; Effective Date: April 25, 2011.
Violation: 31A-23a-415 Failure to pay an assessment when due.
Forfeiture: $750

Mountainside Title Insurance Agency, Inc.: E-Case #2859; Effective Date: April 25, 2011.
Violation: 31A-23a-415 Failure to pay an assessment when due.
Forfeiture: $750

VIMO, INC dba GETINSURED.COM: E-Case #2781; Order effective date April 4, 2011.
Violations: 31A-23a-110(2), 31A-23a-402(1)(a)(I), 31A-23a-302(1)&(2), Rules R590-154-5, R590-154-7, R590-244-10 – Respondent violated the provisions of Utah statutory and administrative rules when it solicited insurance in Utah by using the alias “GetInsured.com” without registering its alias with the Department and without designating all producers to the agency.
Forfeiture: $5000

David Jason Landers: E-Case #2734; Order effective April 1, 2011.
Violation: 31A-2-202(6) – Respondent submitted inaccurate and incomplete information to the commissioner by answering No to the application question concerning any administration action taken against him.
License Limitation: 12 months
Forfeiture: $500

Joshua D. Cranney: E-Case #2759; Dated February 22, 2011
Violation: R590-170-4(3): Respondent violated the provision of Utah Insurance Rule by failing to designate a trust account that was separate and distinct from operating and personal accounts; R590-170-5(3): Respondent violated the provision of Utah Insurance Rule by making payments for personal or business expenses from a trust account.
Forfeiture: Jointly assessed $3500
License Limitation: 12 months probation

Tresa D. Cranney: E-Case #2760; Dated February 22, 2011
Violation: R590-170-4(3): Respondent violated the provision of Utah Insurance Rule by failing to designate a trust account that was separate and distinct from operating and personal accounts; R590-170-5(3): Respondent violated the provision of Utah Insurance Rule by making payments for personal or business expenses from a trust account.
Forfeiture: Jointly assessed $3500
License Limitation: 12 months probation

Joshua D. Cranney Insurance Agency, Inc: E-Case #2761; Dated February 22, 2011.
Violation: R590-170-4(3), Respondent violated the provision of Utah Insurance Rule by failing to designate a trust account that was separate and distinct from operating and personal accounts; R590-170-5(3), Respondent violated the provision of Utah Insurance Rule by making payments for personal or business expenses from a trust account.
Forfeiture: Jointly assessed $3500
License Limitation: 12 months probation

Summit Escrow and Title Insurance Agency, LLC: E-Case #2598; Order effective April 11, 2011.
Violation: 31A-23a-406(1) Conducting an escrow closing without issuing a policy of title insurance.
Forfeiture: $1,000
License Limitation: Probation 6 months

Hy and Mike’s Bail Bonding: E-Case #2767; Order Effective: 03/22/2011.
Violation: 31A-35-402(2) – Agents executed bail bonds without holding a current appointment from a bail bond surety or current designation from a bail bond company.
31A-23a-409(1)(b)(i)(A)(B), R590-170-5(2), R590-170-7(4)(6) – Failed to maintain the integrity of trust account, commingling personal and business monies with trust monies.
Forfeiture: $56,000 with $23,000 stayed
License Limitation: 24 months probation

Price Bail Bonding, Inc.: E-Case #2771; Order Effective: 03/15/2011.
Violation: 31A-35-404, R590-186-5 – Failed to submit financial statements by July 15th.
Forfeiture: $2,000
License Limitation: 24 months probation

Ryan D Gorham: E-Case #2776; Dated March 11, 2011.
Violations: 31A-23a-409(1)(b)(A) & R590-170-5(2)- Respondent commingled trust funds with his own monies.
Forfeiture: $590
License Limitation: 24 months probation

Corrie L. Bingham Insurance Agency Inc.: E-Case #2773; Dated March 15, 2011.
Violations: 31A-23a-103(1)(c) & UCA-23a-302 – Respondent violated the requirements by allowing an individual to conduct insurance business on the agency’s behalf without being licensed and designated.
Forfeiture: $3,500
License Limitation: 12 months probation.

Bonnie Nielsen: E-Case #2758; Order Effective: 03/15/2011.
Violation: 31A-35-402(2) – Executed bail bonds without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $500
License Limitation: None

Stewart Nielsen: E-Case #2757; Order Effective: 03/15/2011.
Violation: 31A-35-402(2) – Executed bail bonds without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $500
License Limitation: None

Cristina V. Forrester: E-Case #2775; Dated March 15, 2011.
Violations: UCA 31A-23a-103(1) – Respondent violated the requirements by performing services for the Corrie L. Bingham Insurance Agency, Inc. which required an insurance license.
Forfeiture: $750
License Limitation: 12 months probation, three hours of ethics continuing education in addition to the continuing education required for license renewal.

1st Out Bail Bonds & Gordon Wright: E-Case #2763; Order effective February 22, 2011.
Violation: 31A-23a-409, R590-170(4-5) Failed to establish and maintain a trust account.
License Limitation: 24 month probation
Forfeiture: $5,000

Adam D. Appell: E-Case #2791; Order effective February 23, 2011.
Violation: 31A-2-202(4): Failure to respond to an inquiry from the commissioner.
Forfeiture: $250

Guardian Title Insurance Agency of Southern Utah: E-Case #2405; Order effective January 10, 2011.
Violation: 31A-23-406(1)(c): Preformed a cash split closing without issuing a title insurance policy.
Limitation: Probation 60 Days
Forfeiture: $1,000

Khory V. Chrockett: E-Case #2748; Dated February 10, 2011
Violation: UAC R590-170-7(1) -(6): Respondent failed to maintain a proper trust account by not reconciling trust bank statements monthly; failed to maintain adequate records to establish ownership of all trust funds; and failed to maintain accounting records relating to the business of insurance in a manner that facilitates an audit.
License Limitation: 12 months probation
Forfeiture: $2000

Khory Vlendi Chrockett Insurance Agency: E-Case #2748; Dated February 10, 2011
Violation: UAC R590-170-7(1) -(6): Respondent failed to maintain a proper trust account by not reconciling trust bank statements monthly; failed to maintain adequate records to establish ownership of all trust funds; and failed to maintain accounting records relating to the business of insurance in a manner that facilitates an audit.
License Limitation: 12 months probation
Forfeiture: $2000

License Surrendered

Serena Joy Danielson: E-Case #3043; Order effective December 31, 2011.
Violation: 31A-23a-103 – Acted in the capacity of an insurance customer service representative without being licensed by the Department.
License Limitation: Surrender In Lieu of Administrative Action.

Tiffany Lynn Lewis: E-Case #3018; Order effective: November 15, 2011
Violation: 31A-23a-105 – Failure to report other states administrative actions.
License Limitations: Surrender In Lieu of Administrative Actions

Lance R. Butler: E-Case #3032; Order effective November 3, 2011
Violation: 31A-23a-107(1) & 31A-23a-402(1)(a)(I) – Falsely misrepresented himself to an insurer as one of their insureds.
License Limitation: Surrendered in Lieu

Wendie Dene Dodds: E-Case #2943 Order effective September 15, 2011.
Violations: 31A-2-202(4) – Failure to submit a timely response to an inquiry from the Commissioner; 31A-23a-105(2) – Failure to report an administrative action against her license.
License Limitation: Surrender In Lieu of Administrative Action

Your Coverage Matters: E-Case #2865; Order effective June 18, 2011.
Violation: 31A-23a-105(2) – Failed to report an administrative action taken against her by another state.
License limitation: License surrendered in lieu of administration action.

Darius Michal Hickman: E-Case #2819; Order effective June 23, 2011.
Violation: 31A-23a-105(2) Failed to report an administrative action taken against him by another state.
License limitation: License Surrendered in lieu of administration action.

Kimberly C. Ashton: E-Case #2815; Order effective: April 10, 2011.
Violations: 31A-23a-402(1) – Providing false or misleading information relating to an insurance contract to an insured; and providing misleading information on an insurance application to an insurer.
License Limitations: Surrender In Lieu of Administrative Action

License Denied

Michael Ryan Rowe: E-Case #2627; Order effective July 19, 2011.
Violation: 31A-23-107(2) Actions demonstrated that he does not meet the requirements.
License Limitation: License denied.

Blake Kofoed: E-Case #2770; Order effective July 19, 2011.
Violations: 31A-2-202 Failed to submit a timely response to an inquiry from the Commissioner. 31A-23a-11(5)(b)(iv) – Failed to pay final judgment.
License Limitation: License denied.

Edward Daniel Golub: E-Case #2730, Effective date: April 25, 2011.
Violations: 31A-23a-107 Respondent’s actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: License Denied

Frederick Ogden: E-Case #2764; Dated April 13, 2011.
Violation: 31A-23-107(2) Respondent’s actions demonstrate that he does not meet the requirements; 31A-23a-111(5)(b)(ix) providing incorrect, misleading, incomplete, or materially untrue information in the license application; and 31A-2-202 Failure to submit accurate and complete information to the Commissioner.
License Limitation: Denied

Aubrey Lynn Larsen: E-Case #2879; Order effective October 24, 2011.
Violations: 31A-23a-105(1)(b)(vi) Committed an act that is grounds for denial.
31A-23-107(2)(2)(b) & (c) Failed to report a criminal prosecution.
31A-23a-111(5)(b)(ix) Provided false, misleading, or untrue information on license application.
License Limitation: License denied.

Clayton J. Beagley: E-Case #2820; Order effective August 30, 2011.
Violation: 31A-23-107(2) Actions demonstrate that he does not meet the requirements.
License Limitation: License denied.

Esmeralda Janette Barrera: E-Case #2811; Order effective August 30, 2011.
Violation: 31A-23-107(2) Actions demonstrate that he does not meet the requirements.
License Limitation: License denied.

Douglas Kyle Kleven: E-Case #2752; Order effective January 12, 2011.
Violation: 31A-23-107(2) Respondents actions demonstrate that he does not meet the requirements.
License Limitation: License denied.

Benjamin Taylor: E-Case #2560; Order Effective date January 10, 2011.
Violation: 31A-23a-111(5)(b)(i) Lack of Fitness/Trustworthiness.
License Limitation: License denied

Public Letter of Admonition

None

2012 Administrative Actions

Insurers

Settlement Agreement & Consent Order

Allianz Life Insurance Company of North America:
Docket No. 2012-136 AD & Exhibit H; Order Effective August 16, 2012.
The Regulatory Settlement Agreement and Consent Order arose from the Multi-State Market Conduct Review of respondent’s fixed annuity products for the period of January 1, 2001 through December 31, 2008. See link to docket above for further information.

Cease and Desist Order

None

Suspension

Transport Insurance Company: E-Case #3001; Order effective January 26, 2012.
Violation: 31A-14-217 – Grounds exist for delinquency proceeding under Chapter 27 of Utah Insurance Code if Respondent were a domestic insurer.
Limitations: COA Suspended

Probation

None

Revocation

Investors Assurance Company: E-Case #3107; Order effective February 28, 2012.
Violation: 31A-37-202 – Failing to pay renewal fee when due.
Limitations: License revoked

Forfeiture

Life of America Insurance Company: E-Case #3228; Order effective October 18, 2012.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $750

Utah Business Insurance Company: E-Case #3360; Order effective August 25, 2012.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $ 3,000

American National Insurance Company: E-Case #3138; Order effective July 17, 2012.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $3,000

World Insurance Company: E-Case #3122; Order effective May 7, 2012.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2011.
Forfeiture: $4,500

EZ Auto Insurance Company: E-Case #3226; Order effective October 16, 2012.
Violations: 31A-23a-115(1)(b) & R590-244-9, – Did not maintain current agency appointments; 31A-23a-103(1)(c) – Utilized the services of an unlicensed Managing General Agent; 31A-5-407(3) – Had a majority of its Board of Directors as inside directors; and 31A-26-201(1)(b) – Utilized the services of an unlicensed claims adjuster.
Forfeiture: $5,500

United Insurance Company: E-Case #3189; Order effective October 16, 2012.
Violations: 31A-23a-115(1)(b)& R590-244-9 – Did not maintain current agency appointments; 31A-23a-103(1)(c) – Utilized the services of an unlicensed Managing General Agent; 31A-5-407(3) – The majority of its Board of Directors are inside directors; and 31A-26-201(1)(b) – Utilized the services of an unlicensed claims adjuster.
Forfeiture: $5,500

Bartlett Title Insurance Agency, Inc.: E-Case #3193; Order effective August 14, 2012.
Violations: 31A-23a-103 – requirements of license; and 31A-23a-408 – Representations of agency. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active company/underwriter appointment.
Forfeiture: $3,000

Standard Life Insurance Company: E-Case #3140; Order effective July 17, 2012.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2012.
Forfeiture: $3,000

American National Life Insurance of Texas: E-Case #3139; Order effective July 17, 2012.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2012.
Forfeiture: $3,000

American General Life Insurance Company of Delaware: E-Case #3202; Order effective August 14, 2012.
Violations: R590-148-25 – Respondent failed to electronically file its Long-Term Care Report on or before June 30, 2012.
Forfeiture: $4,500

Farmers New World Life Insurance Company: E-Case #3203; Order effective August 14, 2012.
Violations: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2012.
Forfeiture: $1,500

Regence Blue Cross BlueShield of Utah: E-Case #3190; Order effective August 14, 2012.
Violation: 31A-23a-115: Accepted insurance business from an agent that had not been contracted with or appointed.
Forfeiture: $1,500

Lifemap Assurance Company: E-Case #3191; Order effective August 14, 2012.
Violation: 31A-23a-115: Accepted insurance business from an agent that had not been contracted with or appointed.
Forfeiture: $1,500

New York Life Insurance Company: E-Case #3197; Order effective August 7, 2012.
Violations: R590-148-25 – Respondent failed to electronically file its Replacement and Lapse Report, its Claims Denial Report, its Rescission Report, and its Suitability Report on or before June 30, 2012.
Forfeiture: $3,000

Washington National Insurance Company: E-Case #3196; Order effective August 1, 2012.
Violations: R590-146-14 B; Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2012. R590-146-22 C; Failed to electronically file its Report of Multiple Policies on or before May 31, 2012.
Forfeiture: $3,000

National Western Life Insurance Company: E-Case #3114; Order effective May 22, 2012
Violations: 31A-21-201(1)(a); Issuing annuities to a resident of the State of Utah when the annuity forms had not been filed for use in the State of Utah.
31A-22-409; Issuing annuities to a resident of the State of Utah that did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Forfeiture: $1,500

Mid-West National Life Insurance Company of Tennessee: E-Case #3121; Order effective May 31, 2012.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2012.
Forfeiture: $3,000

Diversified Insurance Group: E-Case #3164; Order effective June 21, 2012.
Violation: 31A-23a-103(1)(a) – Respondent advertised services as a consultant agency without a valid license.
Forfeiture: $1,500

Farmers Insurance Exchange: E-Case #2830; Order effective February 21, 2012.
Violations: 31A-23a-115 and Rule R590-244-5 – Accepted insurance business from an agent that had not been contracted with or appointed; 31A-31-110 – Failed to report fraudulent insurance acts of an agent.
Forfeiture: $15,000

Surrender

Excalibur Reinsurance Corporation: E-Case #3224; Order effective October 18, 2012.
31A-14-216 – Company has met all requirements to be released from regulation.
Limitations: Certificate of Authority surrendered

Great Republic Life Insurance: E-Case #3127; Order effective June 7, 2012.
31A-14-216, Company has met all requirements to be released from regulation.
Limitations: License surrendered


Individual & Agency Licensees

Cease and Desist Order

None

Revocations

Utah Standard Title: E-Case #2564; Order effective November 19, 2012.
Violation: 63G-4-209 – Respondent failed to appear to a scheduled hearing either through an officer or through counsel. The Title Insurance Agency License is to be revoked forthwith.
Respondent is ordered to immediately cease doing any insurance business in the State of Utah.
License Limitation: Revocation

Melinda Flores: E-Case #3169; Order effective October 29, 2012.
Violations: 31A-23a-105 – Failed to report an administrative action taken by another state; 31A-23a-111(5)(b)(i) – Failed to timely respond to an inquiry of the commissioner.
License Limitation: Revocation

Leah Pierce: E-Case #3070; Order effective July 26, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revocation.

Marissa R. Bankston: E-Case #2948; Order effective July 26, 2012
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitations: Revocation

Jamie Moore: E-Case #2947; Order effective August 9, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitations: Revocation

April Marie Wilson: E-Case #3049; Order effective August 9, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revocation

Jeffrey Matthei: E-Case #3102; Order effective August 9, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revocation

Kimberly Ann Smallwood: E-Case #2851; Order effective August 9, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revocation

Donald Kirk Nacey: E-Case #3095; Order effective July 17, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revocation

Gregory Keith Young: E-Case #3126; Order effective July 17, 2012.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing and failing to respond to other requests by the Department.
License Limitation: Revocation

Mark Patrick Santos: E-Case #3120; Order effective June 11, 2012.
Violation: 63G-4-209 – Failing to appear to a scheduled hearing for failing to respond to other requests by the Department.
License Limitation: Revocation

Richard E. Haskell: E-Case #3105; Order effective June 5, 2012.
Violations: 31A-23a-111(5)(b)(i) – is unqualified for a license.
31A-23a-111(5)(b)(xvi) – in the conduct of business uses dishonest practices or demonstrates untrustworthiness.
31A-23a-111(5)(b)(xxiv) – engages in a method or practice in the conduct of business that endangers the legitimate interests of customers and the public.
License Limitation: Revocation

Daniel Alfonso Blanco: E-Case #3101; Order effective April 10, 2012.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111 – Respondent convicted of a felony.
License Limitation: Revocation

Brian C. Butters: E-Case #3024; Order effective April 9,2012.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner. Default and Default Order; respondent shall immediately cease doing any insurance business in the State of Utah. License Limitation: License Revoked

Jerad Matthew Martin: E-Case #2929; Order effective 01-24-2012.
Violation: 31A-2-202(4) – Failed to respond to an inquiry from the Commissioner.
License Limitation: Revocation

Karen Jeanne Young: E-Case #2969; Order effective March 7, 2012.
Violations: 31A-23a-105(2)(b)(ii) – Respondent failed to notify the Department of administrative actions from other States within 30 days; 31A-2-202 – Respondent failed to respond to an inquiry of the commissioner and failed to obey an order of the commissioner.
License Limitation: Revocation

Bret Taylor Van Leeuwen: E-Case #3077; Order effective: February 23, 2012.
Violation: 63G-4-209 – Respondent failed to appear at a scheduled hearing for failure to report felony conviction of insurance fraud.
License Limitation: Revocation

Satya Brata Shaw: E-Case #2832; Order effective January 24, 2012.
Violations: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner. Default and Default Order; respondent shall immediately cease doing any insurance business in the State of Utah. License Limitations: Revocation

Real Bail Bonds, Pablo A. Alcalde: E-Case #2808; Order Effective January 13, 2012
Violations: 31A-23a-103(1)(a)(c) and 31A-35-401, issuing bail bonds during time licensed was lapsed. 31A-23a-205(2), 31A-23a-408, and 31A-35-404(3), use of forms and Power of Attorney without a contract. 31A-23a-402(1)(a)(i), providing false and misleading information.
31A-31-103(1)(a)(d), committed acts of insurance fraud.
31A-23a-409 and 31A-35-603, failed to establish and maintain a trust account, commingled collateral trust funds with personal funds, converted trust monies for personal use and failed to properly secure collateral monies in the bail bond producer’s fiduciary capacity.
R590-186-7(2)(6)(7)(8)(19)(21)(23). Unprofessional Conduct
Limitations: Revocation (All Lines of Authority)

Michelle Eileen Losee: E-Case #2847; Order effective January 26, 2012.
Violations: 31A-2-202(4) – Failed to properly respond to an inquiry from the commissioner.
License Limitations: Revocation

Stephanie L. Moreno: E-Case #2931; Order effective January 26, 2012.
Violations: 31A-2-202(4) – Failed to properly respond to an inquiry from the commissioner.
License Limitations: License revoked

Jerad Matthew Martin: E-Case #2929; Order effective January 26, 2012.
Violations: 31A-2-202(4) – Failed to properly respond to an inquiry from the commissioner.
License Limitations: Revocation

Nickolas S Ferriss: E-Case #2827; Order effective January 26, 2012.
Violations: 31A-2-202(4) – Failed to properly respond to an inquiry from the commissioner.
License Limitations: Revocation

Suspension

None

Probation

Peter Edward Morse: E-Case #3182; Order effective: October 18, 2012
Violation: R590-230-5(1) and (2) – Respondent recommended a partial surrender of existing annuities for reinvestment without doing a 1035 exchange, which resulted in a taxable event for the annuitants.
Mitigation of Responsibility: R590-230-6(1)(b) – The commissioner may order an insurance producer to take reasonably appropriate corrective action for any consumer harmed by the producer’s violation of R590-230.
Forfeiture: $8,072.41, with $6,072.41 suspended pending the payment of that amount to the annuitants as reimbursement for the taxes they incurred as a direct result of the actions of the Respondent.
License Limitations: 24 Months Probation

A-Affordable Bail Bonds, Jody Gutierres: E-Case #3087: Order effective September 5, 2012.
Violations: 31A-35-603(2) – Failed to secure collateral security;
31A-23a-409(1)(b)(ii) – Failed to have a trust account ledger to account for trust funds;
31A-23a-409(1)(d) – Failed to reconcile trust account on a monthly basis;
31A-23a-409(1)(d)(i) – Failed to deposit funds held in trust into a trust account by the close of the next business day.
31A-23a-103(1)(a) & (c) &, 31A-23a-110(2) – Used names in the conduct of business that were not licensed or registered with the commissioner as an assumed name
Forfeiture: $10,000
License Limitation: 24 month probation

Massey’s Bail Bonds / Joshua Keenan Massey: E-Case #3176; Order Effective September 5, 2012.
Violations: 31-A-35-603, 31A-23a-409, R590-170-5 and R590-170-7 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies;
R590-196-6 – Use of unapproved disclosure forms.
Forfeiture: $5,500 with $250 stayed
License Limitation: 24 month probation

Brad Bohling: E-Case #3154: Order effective September 5, 2012
Violation: 31A-23a-103(1)(a) – Respondent sold pre-need funeral insurance plans without being licensed.
Forfeiture: $1,000
License Limitations: 12 Months Probation

Connie Freestone: E-Case #2953; Order effective May 30, 2012.
Violations: 31A-23a-103(1), 31A-35-401(1) and 31A-35-402(2) – Issued bail bonds without an active license and without an agency appointment. R590-186-6(2)(3) Unprofessional conduct.
Forfeiture: $5,500, stay $1,900 pending successful probation.
License Limitation: 24 month probation

Michael Freestone: E-Case #2954; Order effective May 30, 2012.
Violations: 31A-23a-103(1), 31A-35-401(1) and 31A-35-402(2) – Issued bail bonds without an active license and without an agency appointment. R590-186-6(2)(3) Unprofessional conduct.
Forfeiture: $500, stay $100 pending successful probation.
License Limitation: 24 month probation

Amerimex Insurance of Utah & Jerry Lucious Pacheco: E-Case #3075; Order effective May 22, 2012
Violations: 31A-23a-409, R590-170-4, – Failed to deposit premium payments into the agency’s trust account. 31A-23a-402 (1)(a)(i), – Provided false and misleading information.
Forfeiture: $1,000
License Limitation: 12 month probation

Bail Out Fast & Melinda Starley: E-Case #3125; Order effective June 12, 2012
Violations: 31A-23a-490 – Failed to establish a trust account. 31A-35-607, R590-196-6 – Used a form that was not filed with the department.
Forfeiture: $3,000, stay $1,250 pending successful probation.
License Limitation: 12 month probation

Statewide Bail Bonding & Tyron Webber: E-Case #2921; Order effective; December 19, 2012.
Violations: 31-A-35-603, 31A-23a-409, R590-170-4 and R590-170-5 – Failed to retain all collateral funds in a trust account and commingled trust monies with business monies.
R590-170-7 – Failed to maintain accounting records in a manner that facilitates an audit.
31A-23a-103(1)(c), 31A-35-402(3) – Used unlicensed bail bond agent to issue bail.
31A-23a-205(2), 31A-23a-302(1) – Acted as a bail bond producer without being appointed.
R509-196-6 – Failed to update forms.
Forfeiture: $5,500
License Limitation: 24 month probation

Rebel Bail Bonds and Darren R. Brady: E-Case #2955 & #3060; Order effective May 31, 2012
Violations: 31A-23a-103(1)(c), 31A-35-402(3), R509-186-6(1) and R590-186-7(13)&(14) – Used unlicensed bail bond agents to issue bail.
31-A-35-603, 31A-23a-409, R590-170-4 and R590-170-5 – Failed to establish and maintain a trust account.
Forfeiture: $12,500
License Limitation: 12 month probation

American Preferred Title Insurance Agency: E-Case #3116; Order effective June 21, 2012.
Violations: 31A-23a-103; Failure requirements of license:
31A-23a-302; Representations of agency;
31A-23a-415; Assessment on title insurance agencies or title insurers;
31A-19a-209; Special provisions for title insurance; and
R590-154-7; Sale, Solicitation, or Negotiation of Insurance. Respondent utilized an unapproved name to conduct Insurance business. Respondent failed to file escrow rates. Respondent conducted title escrow services while unlicensed/un-associated producer.
Forfeiture: $15,000
License Limitation: 24 Months Probation

A-1 Bail Bonds & Terry L. Smith: E-Case #3048; Order effective March 1, 2012.
Violation: 31A-23a-409, 31A-35-603(2)(a-b), R590-170(4-5) – Failed to establish and maintain a trust account.
Forfeiture: $5,000, with $2,500 stayed pending successful completion of probation.
License Limitation: 24 month probation

Forest Street Bail Bonds & S. Annette Jones: E-Case #3076; Order effective March 14, 2012.
Violations: 31-A-35-603, 31A-23a-409, R590-170-4 and R590-170-5 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies.
Forfeiture: $5,000
License Limitation: 24 month probation

All Area Bail Bonds, Doug Pehrson: E-Case #3046; Order effective February 6, 2012.
Violation: 31A-23a-409, R590-170-7 – Failed to establish and maintain a trust account.
Forfeiture: $5,000 with $4,000 stayed
License Limitation: 24 month probation

Matthew Nelson David: E-Case #3074; Order effective January 24, 2012.
Violations: 31A-23a-105(2) – Respondent submitted false information on his license application by stating that he had not been convicted of a crime, when he had.
31A-23a-107(2) – Respondent provided false information on his license application, which brings into question his qualification to hold an insurance agent’s license.
Forfeiture: $500
License Limitations: 24 Months’ probation and supervision by Douglas Stanley of United Title Services of Southern Utah

Bailes Inc. & James R. Hobson Jr.: E-Case #3097; Order effective, May 31, 2012.
Violations: 31A-23a-402(1)(a)(i) – Any of the following may not make or cause to be made any communication that contains false or misleading information, relating to an insurance product or contract, any insurer, or any licensee under this title, including information that is false or misleading because it is incomplete.
31A-23a-103(1)(a) – Unless exempted from the licensing requirement under Section; 31A-23a-104 or 31A-23a-207) – A person may not perform, offer to perform, or advertise any service as a producer, limited line producer, customer service representative, consultant, managing general agent, or reinsurance intermediary in Utah, without a valid individual or agency license issued under this chapter.
Forfeiture: $3500
License Limitation: 12 months Probation

Kristine Ellen Mace: E-Case #3055; Order effective January 4, 2012.
Violation: 31A-23a-105(2) – Respondent submitted false information on her license application by stating that she had not been convicted of a crime, when she had.
31A-23a-107(2) – Respondent provided false information on her license application, which brings into question her qualification to hold an insurance agent’s license.
Forfeiture: $500
License Limitations: 12 Month probation

Zachary Daniel Lovingier: E-Case #3083; Order effective March 7, 2012.
Violation: 31A-23a-402 – Respondent provided false or misleading information on an annuity application submitted to an Insurer. R590-230-5 – Respondent provided inaccurate financial information on a Product Suitability Form submitted to an Insurer, resulting in an unsuitable annuity recommendation that financially harmed the consumer
Forfeiture: $2,000
License Limitations: 12 Month probation

Timothy Grover Mace: E-Case #3054; Order effective January 4, 2012.
Violation: 31A-23a-105(2) – Respondent submitted false information on his license application by stating that he had not been convicted of a crime, when he had.
31A-23a-107(2) – Respondent provided false information on his license application, which brings into question his qualification to hold an insurance agent’s license.
Forfeiture: $500
License Limitations: 12 Month probation

David Alma Brown: E-Case #3069; Order effective April 11, 2012.
Violations: 31A-23a-301, Requires and insurance organization to be licensed as an agency if the organization acts as a producer, limited line producer, a consultant, a managing general agency or a reinsurance intermediary.
31A-23a-302;Requires an agency to designate an individual that has a producer, limited line producer, customer service representative, consultant, managing general agent, or reinsurance intermediary license to act on the agency’s behalf in order for the licensee to do business for the agency in this state.
31A-23a-103(c) – States that a person may not utilize the services of another as a producer, limited line producer, customer service representative, consultant, managing general agent or reinsurance intermediary if that person knows that the other does not have a license as required by law.
Forfeiture: $7,000
License Limitation: 12 month probation

Amy M. Owens: E-Case #3096; Order effective April 10, 2012.
Violation: 31A-23a-409, R590-170-5(1), R590-170-7(1) – Failed to properly maintain a trust account, failed to reconcile trust account at least monthly.
Forfeiture: $2,500
License Limitation: 12 month probation

Fortified Benefits, LLC dba Utah Senior Planning: E-Case #3080; Order effective April 5, 2012.
Violations: 31A-23a-301 – Respondent failed to license his agency as a consultant agency. 31A-23a-302(1) – An agency shall designate an individual producer, limited line producer, customer service representative, consultant, managing general agent, etc.
Forfeiture: $2000
License Limitation: 12 months probation

Michael L. Child: E-Case #3100; Order effective: March 7, 2012.
Violation: 31A-23a-402 – Respondent provided false or misleading information on an annuity application submitted to an Insurer; R590-230-5 – Respondent provided inaccurate financial information on a Product Suitability Form submitted to an insurer, resulting in an unsuitability annuity recommendation that financially harmed the consumer.
Forfeiture: $15,381, with $14,381 stayed upon reimbursement to consumer for surrender charges incurred.
License Limitations: 12 Month Probation

Kari M. Holding: E-Case #2812; Order effective February 13, 2012.
Violations: 31A-23a-107 – Character Requirements; 31A-23a-402 Providing false or misleading information involving title insurance; 57-3-106 – Document Recording Requirements
Forfeiture: $2,000
License Limitation: 12 Months Probation; 6 hours of additional continuing education

Cornerstone Title Insurance: E-Case #2813; Order effective February 13, 2012.
Violations: 31A-23a-107 – Character Requirements; 31A-23a-302(7)(b) – Agency responsibility for the acts of its licensees; 31A-23a-402 Providing false or misleading information involving title insurance; 57-3-106 – Document Recording Requirements
Forfeiture: $1,000
License Limitation: 12 Months Probation; Provide education to licensees regarding powers of attorney, claims issues, escrow red flags, and related topics as approved by the Department.

Denise Norberg: E-Case #3041; Order effective February 14, 2012.
Violation: 31A-23a-103 – Acted in the capacity of an insurance customer service representative without being licensed by the Department.
Forfeiture: $1,500
License Limitation: 12 months probation

Liberty Bail Bonds and Clinton McQueen: E-Case #3047; Order Effective February 14, 2012.
Violation: R590-170(5)(7), Failed to reconcile the Trust Account.
Forfeiture: $1,000
License Limitation: 12 month probation

Dentist Direct LLC: E-Case #3034; Order effective January 4, 2012.
Violation: 31A-26-301.6(3)(a) – Failed to pay or deny claims within 30 days of receipt. 31A-23a-103 – Utilized 3 un-licensed Customer Service Representatives.
Forfeiture: $14,000
Probation: 12 months

Forfeiture

Richland Title Insurance Agency, INC.: E-Case #3143; Order effective June 21, 2012.
Violations: 31A-23a-103; requirements of license and 31A-23a-408; Representations of agency. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active company/underwriter appointment.
Forfeiture: $1,500

Horacio Alonso Pardofigueroa: E-Case #3094; Order effective April 30, 2012.
Violation: 31A-23a-504 – Respondent paid a non-licensed producer to assist him in selling insurance.
Forfeiture: $2,600

York Risk Services Group, Inc: E-Case #3230; Order effective October 18, 2012.
Violation: 31A-2-202(4) Failure to respond to an inquiry from the commissioner
Forfeiture: $250

Julia Blank: E-Case #3192; Order effective October 3, 2012.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner. 31A-23a-105 – Failure to disclose another state’s administrative action.
Forfeiture: $500

Bonneville Superior Title Company, Inc.: E-Case #3223; Order effective November 6, 2012.
Violations: 31A-23a-103, requirements of licensure; and 31A-23a-408, Representation of agency.
Respondent failed to renew agency license and conducted title and escrow services during the time license was lapsed. Conducted title and escrow services without an active company/underwriter appointment.
Forfeiture: $1,500

Senior Benefits Insurance Services: E-Case #3218; Order effective October 23, 2012.
Violations: 31A – 23a-302, – Failed to have a producer designated.
Forfeiture: $500

A-Affordable Bail Bonds, Jody Gutierres: E-Case #3087: Order effective September 5, 2012.
Violations: 31A-35-603(2) – Failed to secure collateral security;
31A-23a-409(1)(b)(ii) – Failed to have a trust account ledger to account for trust funds;
31A-23a-409(1)(d) – Failed to reconcile trust account on a monthly basis;
31A-23a-409(1)(d)(i) – Failed to deposit funds held in trust into a trust account by the close of the next business day.
31A-23a-103(1)(a) & (c) &, 31A-23a-110(2) – Used names in the conduct of business that were not licensed or registered with the commissioner as an assumed name
Forfeiture: $10,000
License Limitation: 24 month probation.

Massey’s Bail Bonds / Joshua Keenan Massey: E-Case #3176; Order Effective September 5, 2012.
Violations: 31-A-35-603, 31A-23a-409, R590-170-5 and R590-170-7 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies;
R590-196-6 – Use of unapproved disclosure forms.
License Limitation: 24 month probation
Forfeiture: $5,500 with $250 stayed

Brad Bohling: E-Case #3154: Order effective September 5, 2012
Violation: 31A-23a-103(1)(a) – Respondent sold pre-need funeral insurance plans without being licensed.
License Limitations: 12 Months Probation
Forfeiture: $1,000

First American Title Insurance Agency, LLC: E-Case #3180; Order effective August 20, 2012.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency.
Forfeiture: $3,000

Brent Waine Thompson: E-Case #3167; Order effective 08/07/2012.
Violation: 31A-23a-105(2) – Failure to report criminal convictions on the Utah insurance licensing application.
Forfeiture: $500

Cedar Post/Jail Busters Bail Bonds & Adam Rogers: E-Case #3141; Order effective May 29, 2012.
Violations: 31A-23a-409 – Failed to establish a trust account to hold funds in a fiduciary capacity.
31A-35-607 – Used a form that had not been filed with the Department
Forfeiture: $2,750

Nevada Pacific Insurance Services Inc.: E-Case #3208; Order effective October 16, 2012.
Violation: 31A-23a-105 – Failed to report an administrative action taken by another state.
Forfeiture: $500

JBL Trinity Group, LTD: E-Case #3211 Order effective August 20, 2012.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $500

Wendy Susan Hamilton: E-Case #3171; Order effective July 19, 2012.
Violations: 31A-23a-105(2) – Respondent failed to notify the Department within 30 days of administrative actions from other states.
Forfeiture: $250

Access Title Company Inc.: E-Case #3195; Order effective August 27, 2012.
Violations: 31A-23a-103 – Requirements of license and representation of agency – 31A-23a-408.. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active company/underwriter appointment.
Forfeiture: $1,500

First American Title Insurance Company: E-Case #3132; Order effective August 2, 2012.
Violations: 31A-41-202 – Respondent failed to pay an assessment when due.
31A-2-202(4) – Respondent failed to submit a timely response to an inquiry of the Commissioner.
Forfeiture: $1,500

Artisan Title Insurance Agency: E-Case #3129; Order effective August 2, 2012.
Violations: 31A-41-202 – Respondent failed to pay an assessment when due.
31A-2-202(4) – Respondent failed to submit a timely response to an inquiry of the Commissioner.
Forfeiture: $1,500

American Secure Title Insurance Agency: E-Case #3128; Order effective August 2, 2012.
Violations: 31A-41-202 – Respondent failed to pay an assessment when due.
31A-2-202(4) – Respondent failed to submit a timely response to an inquiry of the Commissioner.
Forfeiture: $1,500

Sentinel Security Insurance Plans, a DBA of Sentinel Security Insurance Plans, Inc.: E-Case #3173; Order effective: August 27, 2012
Violations: 31A-23a-103(1)(c) and 31A-23a-408 – Utilizing the services of an unlicensed individual as a producer, knowing he was not licensed as required by Utah law.
31A-23a-504 – Paying commissions or bonuses to an unlicensed individual, knowing that the person was not licensed as required by law.
Forfeiture: $4,000

Wasatch Lawn Mortuary: E-Case #3165; Order effective: August 27, 2012
Violations: 31A-2-202(6); 31A-23a-104(5)(b)(i); 31A-23a-110(2) and Rule R590-244-11(3)(c) – By not filing a change of name when the DBA of Wasatch Land and Improvement Company was changed, and by not notifying the Department that Wasatch Lawn Mortuary was actually a DBA of Wasatch Land and Improvement Company.
31A-23a-103(1)(c) – Utilizing the services of an unlicensed insurance producer.
31A-23a-402(1)(a)(i) – Allowing its licensed agent to sign applications for policies sold by an unlicensed agent and submitting those applications to an Insurer.
31A-23a-302 – Not designating on its license those insurance agents acting on its behalf.
31A-23a-408 – Marketing insurance when it had not been appointed by its underwriters to do so.
Forfeiture: $3,000

Kevin Eric Nelson: E-Case #3188; Order effective August 9, 2012.
Violation: 31A-23a-105 – Respondent failed to timely report the criminal prosecution taken against him.
Forfeiture: $500.

Buie Insurance Services LLC: E-Case #3072; Order effective July 17, 2012.
Violation: 31A-23a-103(1)(c) – Respondent utilized the services of an un-licensed customer service representative.
Forfeiture: $3000

Connie Freestone: E-Case #2953; Order effective May 30, 2012.
Violations: 31A-23a-103(1), 31A-35-401(1) and 31A-35-402(2) – Issued bail bonds without an active license and without an agency appointment. R590-186-6(2)(3) Unprofessional conduct.
License Limitation: 24 month probation
Forfeiture: $5,500, stay $1,900 pending successful probation.

Michael Freestone: E-Case #2954; Order effective May 30, 2012.
Violations: 31A-23a-103(1), 31A-35-401(1) and 31A-35-402(2) – Issued bail bonds without an active license and without an agency appointment. R590-186-6(2)(3) Unprofessional conduct.
License Limitation: 24 month probation
Forfeiture: $500, stay $100 pending successful probation.

US Healthcard LLC dba Qualified Health: E-Case #3177; Order effective July 17, 2012.
Violation: 31A-8a-201 – Operated a Health Discount Program without a valid license.
Forfeiture: $1,500 forfeiture

Amerimex Insurance of Utah & Jerry Lucious Pacheco: E-Case #3075; Order effective May 22, 2012
Violations: 31A-23a-409, R590-170-4, Failed to deposit premium payments into the agency’s trust account. 31A-23a-402 (1)(a)(i), Provided false and misleading information.
License Limitation: 12 month probation
Forfeiture: $1,000

Bail Out Fast & Melinda Starley: E-Case #3125; Order effective June 12, 2012
Violations: 31A-23a-490, Failed to establish a trust account. 31A-35-607, R590-196-6, Used a form that was not filed with the department.
License Limitation: 12 month probation
Forfeiture: $3,000, stay $1,250 pending successful probation.

Statewide Bail Bonding & Tyron Webber: E-Case #2921; Order effective; December 19, 2012.
Violations: 31-A-35-603, 31A-23a-409, R590-170-4 and R590-170-5 – Failed to retain all collateral funds in a trust account and commingled trust monies with business monies.
R590-170-7 – Failed to maintain accounting records in a manner that facilitates an audit.
31A-23a-103(1)(c), 31A-35-402(3) – Used unlicensed bail bond agent to issue bail.
31A-23a-205(2), 31A-23a-302(1) – Acted as a bail bond producer without being appointed.
R509-196-6 – Failed to update forms.
License Limitation: 24 month probation
Forfeiture: $5,500

Dental Select Benefits Group: E-Case #3184; Order effective July 20, 2012.
Violation: 31A-2-202(4) – Respondent failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $500

Bergundy Bischoff: E-Case #3118; Order effective May 22, 2012.
Violation: 31A-23a-103 – Requirements of license; Respondent failed to renew individual license and conducted title and escrow services during the time license lapsed.
Forfeiture: $1,500

Rebel Bail Bonds and Darren R. Brady: E-Case #2955 & #3060; Order effective May 31, 2012
Violations: 31A-23a-103(1)(c), 31A-35-402(3), R509-186-6(1) and R590-186-7(13)&(14) – Used unlicensed bail bond agents to issue bail.
31-A-35-603, 31A-23a-409, R590-170-4 and R590-170-5 – Failed to establish and maintain a trust account.
License Limitation: 12 month probation
Forfeiture: $12,500

Pioneer Bail Bonds & Anthony Skaats: E-Case #3142; Order effective July 20, 2012.
Violations: 31A-35-607 (2), R590-196-6, Using a form that had not been filed with the Department.
Forfeiture: $500, with $250 stayed pending no further violations of form filing requirements within 12 months from the date of the Order.

Utah First Title Insurance Agency, Inc.: E-Case #3119; Order effective May 22, 2012.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $1,500

Dental Select Benefits Group: E-Case #3158; Order effective May 15, 2012.
Violation: 31A-2-202(4); Respondent failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $250

Forest Street Bail Bonds & S. Annette Jones: E-Case #3076; Order effective March 14, 2012.
Violations: 31-A-35-603, 31A-23a-409, R590-170-4 and R590-170-5; Failed to establish and maintain a trust account and commingling trust monies with personal and business monies.
License Limitation: 24 month probation
Forfeiture: $5,000

Wells Fargo Advisors LLC: E-Case #3099; Order effective March 28, 2012.
Violation: 31A-23a-105) – Failure to report action taken from another regulatory agency.
Forfeiture: $750

Federal Financial Group LLC: E-Case #3117; Order effective May 22, 2012.
Violation: 31A-23a-103) – Utilizing the services of another as a producer.
Forfeiture: $3,000

Bailes Inc. & James R. Hobson Jr.: E-Case #3097; Order effective, May 31, 2012.
Violations: 31A-23a-402(1)(a)(i) – Any of the following may not make or cause to be made any communication that contains false or misleading information, relating to an insurance product or contract, any insurer, or any licensee under this title, including information that is false or misleading because it is incomplete.
31A-23a-103(1)(a) – Unless exempted from the licensing requirement under Section; 31A-23a-104 or 31A-23a-207) – A person may not perform, offer to perform, or advertise any service as a producer, limited line producer, customer service representative, consultant, managing general agent, or reinsurance intermediary in Utah, without a valid individual or agency license issued under this chapter.
License Limitation: 12 months Probation
Forfeiture: $3,500

Sorensen Insurance Agency: E-Case #3012; Order effective May 2, 2012.
Violation: 31A-23a-103(1)(c) – Respondent utilized the services of two unlicensed Customer Service Representatives.
License Limitation: None
Forfeiture: $750

Kim L. Harrington: E-Case #3013: Order effective May 2, 2012.
Violation: 31A-23a-103(1)(a) – Acted as a Consumer Service Representative without a license.
License Limitation: None
Forfeiture: $325

Gayle M. Stout: E-Case #3014: Order effective May 2, 2012.
Violation: 31A-23a-103(1)(a) – Acted as a Consumer Service Representative without a license.
License Limitation: None
Forfeiture: $325

Advance Insurance: E-Case #3103; Order effective March 29, 2012.
Violation: 31A-23a-501, Charging and collecting additional fees from insureds for services they had been paid a commission to perform.
Forfeiture: $13,000

Guy Bottom: E-Case #3053; Order effective April 17, 2012.
Violation: 31A-23a-402 – Advertising misleading to consumers.
Forfeiture: $2,500

Guarantee Trust Life Insurance Co.: E-Case #2828; Order effective April 17, 2012.
Violation: R590-220-9(2) – Respondent failed to file a Group Questionnaire for two purported association groups that would market membership and enroll insureds in the State of Utah.
Forfeiture: $5000

David Alma Brown: E-Case #3069; Order effective April 11, 2012.
Violations: 31A-23a-301 – Requires and insurance organization to be licensed as an agency if the organization acts as a producer, limited line producer, a consultant, a managing general agency or a reinsurance intermediary.
31A-23a-302 – Requires an agency to designate an individual that has a producer, limited line producer, customer service representative, consultant, managing general agent, or reinsurance intermediary license to act on the agency’s behalf in order for the licensee to do business for the agency in this state.
31A-23a-103(c) – States that a person may not utilize the services of another as a producer, limited line producer, customer service representative, consultant, managing general agent or reinsurance intermediary if that person knows that the other does not have a license as required by law.
License Limitation: 12 months probation
Forfeiture: $7,000

Ace Bail Bonds: E-Case #3067; Order effective April 11, 2012.
Violation: R590-170-4 – Failed to establish a trust account for funds held in trust.
Forfeiture: $1,000

Amy M. Owens: E-Case #3096; Order effective April 10, 2012.
Violation: 31A-23a-409, R590-170-5(1), R590-170-7(1) – Failed to properly maintain a trust account, failed to reconcile trust account at least monthly.
License Limitation: 12 months probation
Forfeiture: $2,500

Fortified Benefits, LLC dba Utah Senior Planning: E-Case #3080; Order effective April 5, 2012.
Violations: 31A-23a-301 – Respondent failed to license his agency as a consultant agency. 31A-23a-302(1) – An agency shall designate an individual producer, limited line producer, customer service representative, consultant, managing general agent, etc.
License Limitation: 12 months probation
Forfeiture: $2,000

A-1 Bail Bonds & Terry L. Smith: E-Case #3048; Order effective March 1, 2012.
Violation: 31A-23a-409, 31A-35-603(2)(a-b), R590-170(4-5) – Failed to establish and maintain a trust account.
License Limitation: 24 month probation
Forfeiture: $5,000, with $2,500 stayed pending successful completion of probation.

All Area Bail Bonds, Doug Pehrson: E-Case #3046; Order effective February 6, 2012.
Violation: 31A-23a-409, R590-170-7 – Failed to establish and maintain a trust account.
License Limitation: 24 month probation
Forfeiture: $5,000 with $4,000 stayed

Matthew Nelson David: E-Case #3074; Order effective January 24, 2012.
Violations: 31A-23a-105(2) – Respondent submitted false information on his license application by stating that he had not been convicted of a crime, when he had.
31A-23a-107(2) – Respondent provided false information on his license application, which brings into question his qualification to hold an insurance agent’s license.
License Limitations: 24 Months probation and supervision by Douglas Stanley of United Title Services of Southern Utah
Forfeiture: $500

Liberty Insurance: E-Case #3078; Order effective February 14, 2012
Violation: 31A-23a-409, R590-170(4) and (5) – Failed to establish and maintain a trust account.
Forfeiture: $3,500

Kathleen Sanchez: E-Case #3078; Order effective February 14, 2012
Violation: 31A-23a-409, R590-170(4) and (5) – Failed to establish and maintain a trust account.
Forfeiture: $3,500

Kristine Ellen Mace: E-Case #3055; Order effective January 4, 2012.
Violation: 31A-23a-105(2) – Respondent submitted false information on his license application by stating that he had not been convicted of a crime, when he had.
31A-23a-107(2) – Respondent provided false information on his license application, which brings into question his qualification to hold an insurance agent’s license.
License Limitations: 12 Month probation
Forfeiture: $500

Zachary Daniel Lovingier: E-Case #3083; Order effective March 7, 2012.
Violation: 31A-23a-402 – Respondent provided false or misleading information on an annuity application submitted to an Insurer. R590-230-5 – Respondent provided inaccurate financial information on a Product Suitability Form submitted to an Insurer, resulting in an unsuitable annuity recommendation that financially harmed the consumer
License Limitations: 12 Month probation
Forfeiture: $2,000

Timothy Grover Mace: E-Case #3054; Order effective January 4, 2012
Violation: 31A-23a-105(2) – Respondent submitted false information on his license application by stating that he had not been convicted of a crime, when he had.
31A-23a-107(2) – Respondent provided false information on his license application, which brings into question his qualification to hold an insurance agent’s license.
License Limitations: 12 Months probation
Forfeiture: $500

David G. Bartholomew: E-Case #3091; Order effective 02-14-2012.
Violation: 31A-23a105(2) – Respondent failed to notify the Department of his initial appearance before a court within 30 days of that appearance.
Forfeiture: $250

Kettle Creek Insurance, LLC: E-Case #3082; Order effective 02-14-2012.
Violations: 31A-23a-105(2) and 31A-2-202(6) – Failed to report administrative action in another state at the time he applied for a Utah license.
Forfeiture: $250

Robert Friess Ebert: E-Case #3081; Order effective 02-14-2012.
Violations: 31A-23a-105(2) and 31A-2-202(6) – Failed to report administrative action in another state at the time he applied for a Utah license.
Forfeiture: $250

Petfirst Healthcare LLC: E-Case #3084; Order effective March 1, 2012.
Violations: 31A-23a-105 and Rule R590-244-7 – Failed to report an administrative action within 30 days of the final disposition and failing to properly submit & maintain a valid business email address.
Forfeiture: $800

Michael L. Child: E-Case #3100; Order effective:March 7, 2012.
Violation: 31A-23a-402 – Respondent provided false or misleading information on an annuity application submitted to an Insurer; R590-230-5 – Respondent provided inaccurate financial information on a Product Suitability Form submitted to an insurer, resulting in an unsuitability annuity recommendation that financially harmed the consumer.
License Limitations: 12 Month Probation
Forfeiture: $15,381, with $14,381 stayed upon reimbursement to consumer for surrender charges incurred.

Kari M. Holding: E-Case #2812; Order effective February 13, 2012.
Violations: 31A-23a-107 – Character Requirements; 31A-23a-402 Providing false or misleading information involving title insurance; 57-3-106 – Document Recording Requirements
License Limitation: 12 Months Probation; 6 hours of additional continuing education
Forfeiture: $2,000

Cornerstone Title Insurance: E-Case #2813; Order effective February 13, 2012.
Violations: 31A-23a-107 – Character Requirements; 31A-23a-302(7)(b) – Agency responsibility for the acts of its licensees; 31A-23a-402 Providing false or misleading information involving title insurance;
57-3-106 – Document Recording Requirements
License Limitation: 12 Months Probation; Provide education to licensees regarding powers of attorney, claims issues, escrow red flags, and related topics as approved by the Department.
Forfeiture: $1,000

HUB International Ins Services Inc.: E-Case #3079; Order effective February 23, 2012.
Violations: 31A-23a-103(1)(a) – Advertised services as a consultant agency without a valid license.
Forfeiture: $1,500

Leo Barton Allen: E-Case #3085; Order effective February 28, 2012
Violations: 31A-23a-105 & 31A-2-202 – by failing to report an administrative action within 30 days of the disposition and by failing to timely respond to inquiries from the office of the Commissioner.
Forfeiture: $500

GBS Benefits Inc.: E-Case #3092; Order effective February 28, 2012.
Violations: 31A-23a-103(1)(a) – Respondent advertised services as a consultant agency without a valid license.
License Limitations: $1,500

Denise Norberg: E-Case #3041; Order effective February 14, 2012.
Violation: 31A-23a-103 – Acted in the capacity of an insurance customer service representative without being licensed by the Department.
License Limitation: 12 months probation
Forfeiture: $1,500

Jeffrey Matthei: E-Case #3102; Order effective February 14, 2012.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: $500

Deborah Jean Patterson: E-Case #3086; Order effective February 14, 2012.
Violation: 31A-23a-105(2) and 31A-2-202(6) – Respondent failed to disclose criminal history and prior administrative actions in other states on non-resident producer license application.
Forfeiture: $500

Liberty Bail Bonds and Clinton McQueen: E-Case #3047; Order Effective February 14, 2012.
Violation: R590-170(5)(7), Failed to reconcile the Trust Account.
License Limitation: 12 month probation
Forfeiture: $1,000

Wasatch Title Insurance Agency, LLC: E-Case #3057; Order effective January 14, 2012.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302. Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $1,500

David Millard Insurance Agency: E-Case #3066; Order effective January 24, 2012
Violations: 31A-23a-110, 31A-23a-301, 31A-23a-302, Rule R590-154-503 & R590-154-7; Failed to obtain an agency license and failed to designate a licensed producer to the agency.
Forfeiture: $3,000

Gallagher Benefit Services Inc.: E-Case #3062; Order effective January 24, 2012.
Violations: 31A-23a-103(1)(a) – Advertised services as a consultant agency without a valid license.
Forfeiture: $1,500

Awesome Bail Bonds: E-Case #3068; Order effective: January 24, 2012.
Violation: R590-196-4(i) & R590-196-6 – Failed to update forms.
Forfeiture: $250

Dentist Direct LLC: E-Case #3034; Order effective January 4, 2012.
Violation: 31A-26-301.6(3)(a) – Failed to pay or deny claims within 30 days of receipt. 31A-23a-103 – Utilized 3 un-licensed Customer Service Representatives.
Probation: 12 months
Forfeiture: $14,000

License Surrendered

Adolphus Nolan Jr.: E-Case #3181; Order effective August 27, 2012
Violation: 31A-23a-105(2) Failed to report an administrative action taken against him by another state.
License Limitation: License Surrendered in lieu of administration action.

Matthew Papa: E-Case #3065; Order effective July 17, 2012.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: Surrendered in Lieu

Patriot Title Insurance Agency, LLC: E-Case #2874; Order effective June 11, 2012.
Violations: 31A-23a-103 – Requirements of a licensee and 31A-23a-302 – Agency designations. Respondent allowed an unassociated producer with a lapsed license to conduct escrow services on behalf of agency during the time his license was lapsed.
License Limitation: Surrender in Lieu

James E. Pennington: E-Case #3155; Order effective May 31, 2012.
Violation: 31A-23a-402 – Respondent provided false or misleading information on insurance applications submitted to an Insurer by signing applications sold by an unlicensed individual.
License Limitation: Surrender In Lieu of Administrative Actions

Harry Lam: E-Case #3056; Order effective May, 3, 2012.
Violation: 31A-23a-105) – Failure to report criminal action.
Limitations: Surrender in Lieu of Administrative Action

Olivia Kyere-Boateng: E-Case #2963; Order effective May 22, 2012.
Violation: 31A-23a-105(2) – Failure to report a criminal prosecution when applying for a resident producer
license.
License Limitation: Surrender In Lieu of Administrative Action

Heather Kay Healey: E-Case #3042; Order effective April 14, 2012.
Violation: 31A-23a-103 – Acted in the capacity of an insurance customer service representative without being licensed by the Department.
License Limitation: Surrender In Lieu of Administrative Action.

Kevin Potter: E-Case #3109; Order effective March 8, 2012.
Violation: 31A-23a-111 – Requested to surrender license in lieu of proceeding with a complaint investigation.
Limitations: License Surrendered

Brianna Curry: E-Case #2944; Order effective March 29, 2012.
Violation: 31A-23a-105, – Failure to report criminal action while applying for a Utah license.
Limitations: License Surrendered

Spencer Ball & Associates: E-Case #2858; Order effective January 10, 2012
Violations: 31A-23a-415 Failure to file the Annual and Controlled Business reports for calendar year 2010 by the annual due date of April 30; 31A-2-202(4) Failure to respond to an inquiry of the Commissioner; 31A-23a-415 – Failure to pay an assessment when due.
License Limitations: Surrender In Lieu of Administrative Actions

License Denied

Dean, Michael: E-Case #3227; Order effective December 4, 2012.
Violation: 31A-23a-107 – Failure to meet character requirements for a license.
License Limitation: License denied

Matheson, Vernile Bret: E-Case #3229; Order effective December 4, 2012.
Violation: 31A-23a-107 – Failure to meet character requirements for a license.
License Limitation: License denied

Shilo Platts: E-Case #3174; Order effective November 5, 2012.
Violation: 31A-23a-107 – Failure to meet character requirements for a license.
License Limitation: License denied

William Matthew Adjemian: E-Case #3214; Order effective November 6, 2012.
Violation: 31A-23a-107 – Failure to meet character requirements for a license.
License Limitation: License denied

Jordyn Skye Gallegos: E-Case #3175; Order effective November 6, 2012.
Violation: 31A-23a-107 – Failure to meet character requirements for a license.
License Limitation: License denied

Allison Harris: E-Case #3037; Order effective February 15, 2012.
Violations: 31A-223a-111(5)(b)(vi) – Failure to pay final judgment in this state
31A-23a-105(1)(b)(vii) – Committing an act that is a ground for denial
31A-23a-105(2)(b)&(c) – Failure to report criminal prosecution
31A-23a-107 – Failure to meet character requirements for a license
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Sherrell K. Berrett: E-Case #3088; Order effective February 29, 2012.
Violations: 31A-223a-111(5)(b)(xvi) – Using fraudulent or dishonest practices;
31A-23a-105(1)(b)(vi) ) – Committing an act that is a ground for denial;
31A-23a-105(2)) – Failure to timely report a 2010 C&D action from Securities; and
31A-23a-111(5)(b)(xxiv) – Practice that endangers interests of customers.
License Limitation: Renewal of license denied

Courtney P. Koepp: E-Case # 3106; Order effectiveJune 5, 2012.
Violation: 31A-23a-107 – failure to meet character requirements for licensing.
31A-23a-105(1)(b)(ii) – failure to satisfy character requirements; 31A-23a-111(5)(b)(i) – is unqualified for a license.
License Limitation: License denied

Tiffani M. Lee: E-Case #3059; Order effective March 20, 2012.
Violations: 31A-23a-107 – Failed to meet the character requirements for licensing.
31A-23a-111(5)(b)(xxi) – Failed to pay state income tax.
License Limitation: License Denied.

Martin Edger Malzahn: E-Case #3064; Order effective March 20, 2012.
Violations: 31A-23a-111(5)(b)(iv) – Failed to pay final judgment in this state.
31A-23a-111(5)(b)(xxi) – Failed to pay state income tax.
License Limitation: License Denied.

Pamela K. Taylor: E-Case #3073; Order effective March 12, 2012.
Violation: 31A-23a-107 – Failed to meet character requirements for licensing.
31A-23a-105(1)(b)(ii) – Failed to satisfy character requirements.
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Erica L. Wright: E-Case #2975; Order effective February 24, 2012.
Violation: 31A-23-107 – Actions demonstrate that she does not meet the requirements.
License Limitation: License denied

Derick James Shumway: E-Case #2959; Order effective January 4, 2012.
Violation: 31A-23-107(2) Actions demonstrate that he does not meet the requirements.
License Limitation: License denied

Public Letter of Admonition

None

2013 Administrative Actions

Insurers

Settlement Agreement & Consent Order

ING Life Insurance and Annuity Co.; ING USA Annuity and Life Ins. Co.; Midwestern United Life Ins. Co.; ReliaStar Life Ins. Co.; ReliaStar Life Ins. Co. of New York; Security Life of Denver Ins. Co.:
Docket No. 2013-122 AD; Order effective September 17, 2013.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

New York Life insurance Company, New York Life insurance Company and Annuity Corporation and NYLIFE Insurance Company of Arizona:
Docket No. 2013-149 AD; Order effective December 5, 2013.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Life Insurance Company of North America, Connecticut General Life Insurance Company, and Cigna Health and Life insurance Company (fka Alta Health and Life insurance Company):
Docket No. 2013-078 AD; Order effective June 21, 2013.
The Department adopts and approves the multi-state Regulatory Settlement Agreement and Consent Order from a Targeted Market Conduct Examination of the respondent’s Disability Income Handling Practices.

Transamerica Life Insurance Company, Transamerica Advisors Life Insurance Company, Transamerica Advisors Life Insurance Company of New York, Transamerica Financial Life Insurance Company, Monumental Life Insurance Company, Stonebridge Life Insurance Company, Western Reserve Life Assurance Company of Ohio, and each of its predecessors, successors, and assigns and subsidiaries:
Docket No. 2013-127 AD; Order effective September 28, 2013.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

TIAA-CREF Insurance Company:
Docket No. 2013-102 AD; Order effective July 22, 2013.
The Department adopts and approves the multi-state Regulatory Settlement Agreement and Consent Order from a Targeted Market Conduct Examination of respondents settlement practices, procedures and policy administration relating to claims, and the use of Social Security Death Master File.

Humana Insurance Company:
Docket No. 2013-155 AD; Order effective December 31, 2013.
The Department adopts and approves the multi-state Regulatory Settlement Agreement from a Targeted Market Conduct Examination of companies’ regarding their small group insurance sales practices in certain states.

Cease and Desist Order

Gold Standard Automotive Network, Inc.: E-Case #3387; Order effective October 17, 2013.
Violation: 31A-6a-103 – A person may not perform, offer to perform, or advertise any services as a producer without an agency license.
License Limitation: Cease and Desist

Sensible Home Warranty LLC: E-Case #3353; Order effective July 31, 2013.
Emergency proceedings Utah Code Annotated 63G-4-502, Cease and Desist.
Violations: 31A-4-102 – (1) A person may not conduct an insurance business in Utah in person, through an agent, through a broker, through the mail, or through another method of communication, except:
(a) an insurer: (i) authorized to do business in Utah under Chapter 5, 7, 8, 9, 10, 11, 13, or 14; and (ii) within the limits of its certificate of authority;
(b) a joint underwriting group under Section 31A-2-214 or 31A-20-102;
(c) an insurer doing business under Section 31A-15-103.
The respondent acted as an unauthorized insurer in advertising, soliciting, making or proposing to make unauthorized home warranty contracts in the State of Utah;
31A-2-202 – Respondent failed to respond to inquiries of the Commissioner.
Respondent shall immediately cease and desist doing any and all insurance or home warranty business in the State of Utah.
License Limitation: Cease and Desist Order

Suspension

Liberty First Risk Retention Group Insurance Company: E-Case #3357; Order effective August 6, 2013.
Violations: 31A-16-106(2) – In paying an extraordinary dividend.
31A-2-202(6) & 31A-402(1) – Failure to account for extraordinary dividend and concealing existence of dividend.
R590-254-4-– Failing to file audited financial statement when due.
License Limitation: COA suspended

PMI Mortgage Insurance Company: E-Case #3071; Order effective July 31, 2013.
Violations: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign
insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA suspended

Vesta Insurance Corporation: E-Case #3289; Order effective April 30, 2013.
Violation: 31A-14-205 – Respondent is in rehabilitation in its state of domicile.
License Limitation: COA suspended

Probation

None

Revocation

ICM Insurance Company: E-Case #3335; Order effective July 3, 2013.
Violations: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

American Golden Insurance Company: E-Case #3328; Order effective June 18, 2013.
Violations: 31A-37-204 – Failed to maintain capital and surplus of at least $250,000.
31A-37-202-(6) – Failure to pay the annual certification of authority renewal fee.
31A-37-505(1) – insolvency or impairment of capital and surplus.
31A-37-505(1) – Failure otherwise to comply with laws of this state.
License Limitation: COA revoked

Greencrest Insurance Company: E-Case #3313; Order effective May 7, 2013.
Violations: 31A-37-505(1) – Insolvency or impairment of capitol or free surplus:
failure to meet paid-in-capital or free surplus; failure to submit an annual report; failure to comply with its charter, by-laws, or other organizational document; failure to submit to an examination or legal obligation relative to an examination; use of methods that render the operation of the company detrimental to the public or the policyholders, or render the condition of the company unsound with the respect to the public or the policyholders; and failure to otherwise comply with the laws of the state.
License Limitation: COA revoked

Tiger Insurance Company: E-Case #3314; Order effective May 7, 2013.
Violations: 31A-37-505(1) – Insolvency or impairment of capitol or free surplus:
failure to meet paid-in-capital or free surplus; failure to submit an annual report; failure to comply with its charter, by-laws, or other organizational document; failure to submit to an examination or legal obligation relative to an examination; use of methods that render the operation of the company detrimental to the public or the policyholders, or render the condition of the company unsound with the respect to the public or the policyholders; and failure to otherwise comply with the laws of the state.
License Limitation: COA revoked

London Pacific Life & Annuity Company: E-Case #3280; Order effective April 10, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Fremont Indemnity Company: E-Case #3281; Order effective April 10, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Casualty Reciprocal Exchange: E-Case #3282; Order effective April 10, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Ullico Casualty Company: E-Case #3271; Order effective March 27, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Santa Fe Auto Insurance Company: E-Case #3272; Order effective March 27, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

American Manufactures Mutual Insurance Company: E-Case #3273; Order effective March 27, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

American Motorist Insurance Company: E-Case #3274; Order effective March 28, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Lumbermens Mutual Casualty Company: E-Case #3275; Order effective March 27, 2013.
Violations: 31A-14-217 -When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Triad Guaranty Insurance Corp: E-Case #3276; Order effective March 28, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Universal Health Care Insurance Company: E-Case #3279; Order effective March 27, 2013.
Violations: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Hilda America Mijares: E-Case #3254; Order effective February 26, 2013.
Violations:31A-23a-111(5)(b)(i) is unqualified for a license; 31A-23a-111(5)(b)(xii),improperly withholds, misappropriates or converts money received in the course of doing insurance business; 31A-23a-111(5)(b)(xv), admits or is found to have committed an insurance unfair trade practice or fraud; 31A-23a-111(5)(b)(xvi), in the conduct of business uses fraudulent or dishonest practices or demonstrated untrustworthiness, or financial irresponsibility, 111(5)(b)(xviii), forges another’s name to an application for insurance or a document related to an insurance transaction; and 31A-23a-111(5)(b)(xxiv), engages in a method or practice in the conduct of business that endangers the legitimate interests of customers and the public.
License Limitation: License revoked

Gramercy Insurance Company: E-Case #3262; Order effective February 11, 2013.
Violations: 31A-14-217 – Grounds exist for delinquency under Chapter 27a of the Utah Insurance Code if Respondent were a domestic insurer.
License Limitation: COA revoked

Forfeitures

GPI Insurance Company, Inc.: E-Case #3427; Order effective December 17, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $1,500

Sterling Investors Life Insurance Company: E-Case #3329; Order effective June 20, 2013.
Violation: R590-146-22 – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2013.
Forfeiture: $1,500

Unicare Life & Health Insurance Company: E-Case #3330; Order effective June 20, 2013.
Violation: R590-146-22 – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2013.
Forfeiture: $1,500

American Family Life Assurance Company of Columbus: E-Case #3343; Order effective July 10, 2013.
Violations: R 590-146-14(C) – Failed to electronically file its Annual Filing of Premium Rates on or before May 31, 2013
R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2013.
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31, 2013
Forfeiture: $1,500

American Family Life Assurance Company of Columbus: E-Case #3363; Order effective August 28, 2013.
Violations: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2013.
Forfeiture: $1,500

Connecticut General Life Insurance Company: E-Case #3364; Order effective August 28, 2013.
Violations: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2013.
Forfeiture: $1,500

Aetna Life Insurance Company: E-Case #3362; Order effective August 28, 2013.
Violations: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2013.
Forfeiture: $1,500

American General Assurance Co.: E-Case #3325; Order effective July 19, 2013.
Violation: 31A-28-119 – Employed a third party administrator that sent outdated, incorrect and incomplete Life & Health Guaranty Association Notices to Utah certificate holders.
Forfeiture: $10,000

Family Life Insurance Company: E-Case #3349; Order effective July 18, 2013.
Violations: R 590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2013.
R590-146-14(B) – Failed to electronically file Refund Calculation and Benchmark Ratio on or before May 31, 2013.
R590-146-22 – Failed to electronically file Report of Multiple Policies on or before May 31, 2013.
Forfeiture: $1,500

Monumental Life Insurance Company: E-Case #3345; Order effective July 18, 2013.
Violations: R 590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2013.
R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2013.
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31, 2013.
Forfeiture: $1,500

Transamerica Life Insurance Company: E-Case #3348; Order effective July 18, 2013.
Violations: R 590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2013.
R590-146-14(B) – Failed to electronically file Refund Calculation and Benchmark Ratio on or before May 31, 2013.
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31, 2013.
Forfeiture: $1,500

Globe Life and Accident Insurance Company: E-Case #3260; Order effective February 26, 2013.
Violation: R590-126-5(10)(a) – Respondent filed an Accidental Death Benefit Rider, which stated proof of loss to be presented within 90 days instead of 180 days.
Forfeiture: $10,000

Trustmark Life Insurance Company: E-Case #3263; Order effective February 19, 2013.
Violation: 31A-29 -117 – In failing to timely file its small employer index premium rate and average percentage change in the index premium rates by February 1, 2013.
Forfeiture: $750

Physicians Life Insurance Company: E-Case #3243; Order effective: February 7, 2013.
Violations: 31A-22-409(8) and (10) – Language in the contract referring to the cash surrender benefits available before maturity and the cash surrender benefits available at maturity did not comply with the provisions of the Utah Standard Nonforfeiture Law for Individual Deferred Annuities.
Remediation– Respondent will pay a total of $208,202.30 to 127 surrendered contract holders, which represents the deficit in their cash surrender value when they surrendered their annuities. Respondent will increase the cash surrender value of 155 active contracts by $910,252.68.
Forfeiture: $2,500

Guideone Mutual Insurance Company: E-Case #3233; Order effective February 7, 2013.
Violation: 31A-4-102 – Respondent violated the statutory provision by writing workers’ compensation insurance in Utah without authority to do so.
Forfeiture: $32,500

Old American Insurance Company: E-Case #3240; Order effective: February 11, 2013
Violations: 31A-23a-402(1)(a)(i) and R590-130-12(C)(D) – Using advertising that would cause a Utah consumer to reasonably believe that the insurance product was state approved and from a governmental agency.
Forfeiture: $45,000

Surrender

Southern General Insurance Company: E-Case #3385; Order effective October 24, 2013.
Violation: 31A-14-216 – Respondent has met all requirements for release from regulation.
Limitations: COA surrendered

Educators Health Plans Health, Inc.: E-Case #3341; Order effective July 18, 2013.
Violations: 31A-5-504 – Has met all requirements for dissolution pursuant to Utah Code, and an Order of Release From Regulation is therefore issued.
Limitations: COA surrendered

Educators Health Care: E-Case #3340; Order effective July 18, 2013.
Violations: 31A-5-504 – Has met all requirements for dissolution pursuant to Utah Code, and an Order of Release From Regulation is therefore issued.
Limitations: COA surrendered

Asurion Roadside Assistance Services, LLC: E-Case #3290; Order effective April 30, 2013.
Violation: 31A-14-216 – Respondent has met all requirements for Release from regulation.
Limitations: COA surrendered

Lincoln General Insurance Company: E-Case #3288; Order effective April 30, 2013.
Violation: 31A-14-205 – Respondent is in rehabilitation in its state of domicile.
Limitations: COA suspended

Individual & Agency Licensees

Cease and Desist Order

None

Revocations

Michael Paul Ippolito: E-Case #3286; Order effective April 23, 2013.
Violations: 31A-2-202(4) – Failed to submit a timely response to an inquiry of the commissioner.
License Limitation: Revoked

Diane M. Byas: E-Case #3278; Order effective August 28, 2013.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Kartchner, Matthew G.: E-Case #3312; Order effective June 20, 2013.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111 – Convicted of a felony.
License Limitation: Revoked

Eastwood Title Insurance Agency, Inc.: E-Case #3219; Default and Default Order dated June 15, 2013. Respondent failed to appear either in person or through counsel. Default revocation is entered.
Violations: 31A-2-308(2) Respondent failed to comply with an order of the commissioner. Respondent was ordered to pay a forfeiture of $3,750, file all reports not previously filed, pay any assessment not paid, and update the business and mailing addresses for the agency. Respondent failed to comply and an Order to Show Cause hearing was commenced. Respondent failed to appear either in person or through counsel.
31A-2-202 – Failure to respond to an inquiry of the commissioner.
31A-23a-412 – Failure to updated business records within 30 days.
31A-23a-413 – Failure to file the Annual and Controlled Business reports by April 30.
31A-23a-415 – Failure to pay an assessment when due.
Forfeiture: $3,750
License Limitation: Revoked. Respondent is ordered to immediately cease doing any insurance or escrow business in the State of Utah.

Jorge Moreno: E-Case #3222; Order effective June 18, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Alexander Bruce Petereit: E-Case #3212; Order effective June 18, 2013.
Violation: 31A-23a-105(2) Failure to report a criminal prosecution when applying for a resident producer license.
License Limitation: License Surrendered in lieu of administration action

Jason T. Sjol: E-Case #3310; Order effective June 18, 2013.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revoked

Arielle Corrigan: E-Case #3031; Order effective May 7, 2013.
Violation: 63G-4-209 – Failed to attend or participate in a properly scheduled hearing after receiving proper notice.
License Limitation: Revoked

Wilfredo G Tabisaura: E-Case #3242; Order effective April 10, 2013.
Violations: 31A-23a-107(2) – Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
31A-23a-111(5)(b)(xiv) – Convicted of a felony.
License Limitation: Revoked

Rachelle Williams: E-Case #3265; Order effective April 2, 2013.
Violation: 31A-2-201 – Respondent failed to respond to the Department of Insurance in regards to a criminal action taken against her.
License Limitation: Revoked

Pavel Shchetinin: E-Case #3238; Order effective April 2, 2013.
Violation: 63G-4-209 – Failing to appear at a scheduled hearing held for failing to respond to other requests by the Department.
License Limitation: Revoked

Mitchell Kevin Kelling & Kelling Insurance Agency: E-Case #3261; Order effective March 6, 2013.
Violations: 31A-23a-111(5)(b)(i) – Respondent is unqualified for a license;
31A-23a-111(5)(b)(xii) – improperly withholds, misappropriates, or converts money or properties received in the course of doing insurance business
31A-23a -111(5)(b)(xiv) – was convicted of a felony;
31A-23a -111(5)(b)(xv) – was found to have committed insurance fraud;
31A-23a-111(5)(b)(xvi) – used fraudulent or dishonest practices or demonstrated untrustworthiness or financial irresponsibility in the conduct of business in this state; and
31A-23a-111(5)(b)(xxiv) – engaged in methods or practices that endangered the legitimate interests of his customers or the public in conducting business.
License Limitation: The Insurance License of Mitchell K. Kelling is revoked and the Agency License of Kelling Insurance Agency is revoked.

David C. Johnson: E-Case #3168; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

David Eugene Fayard: E-Case #3146; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Karen Bullard: E-Case #3200; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Heather Parks: E-Case #3198; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Shalonda Little: E-Case #3201; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

Hilda America Mijares: E-Case #3254; Order effective February 26, 2013.
Violations: 31A-23a-111(5)(b)(i) – is unqualified for a license; 31A-23a-111(5)(b)(xii), improperly withholds, misappropriates or converts money received in the course of doing insurance business; 31A-23a-111(5)(b)(xv), admits or is found to have committed an insurance unfair trade practice or fraud; 31A-23a-111(5)(b)(xvi), in the conduct of business uses fraudulent or dishonest practices or demonstrated untrustworthiness, or financial irresponsibility, 31A-23a-111(5)(b)(xviii), forges another’s name to an application for insurance or a document related to an insurance transaction; and 31A-23a-111(5)(b)(xxiv), engages in a method or practice in the conduct of business that endangers the legitimate interests of customers and the public.
License Limitation: License revoked

Suspension

None

Probation

Ginny L. Wanlass: E-Case #3311; Order effective July 11, 2013.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment.
31A-23a-111(5)(b)(xxii) – Failure to pay state income tax, or comply with an administrative or court order directing payment of state income tax.
License Limitation: 18 Month Probation – Subject to Applicant fully complying with payment agreement with Utah State Tax Commission and resolution of the outstanding small claims judgment.

Bret E. Harding and Utah Insurance Solutions: E-Case #3370; Order effective November 4, 2013.
Violations: 31A-23a-402, R590-130, R590-154 – Respondents violated statute and rules related to unfair marketing practices and advertisements of insurance.
Forfeiture: $3,750
License Limitation: 24 month probation, 3 additional hours of continuing education.

Rodney K. Bingham: E-Case #3277; Order effective: April 30, 2013.
Violations: 31A-23a-402 – Respondent provided false or misleading communication and
made a false entry on an insurance application submitted to an Insurer with intent to deceive.
31A-31-103(1)(a) – Respondent made a written statement to an Insurer that he knew to be false with intent to deceive.
Forfeiture: $2,000
License Limitations: 24 Month Probation

Steven Michael Albrecht: E-Case #3199; Order effective July 10, 2013
Violations: 31A-23a-402(1)(a)(i), – Respondent violated Utah Code Annotated by issuing an invalid bond; providing false evidence of insurance.
31A-23a-409 – By failing to forward premiums received to the appropriate payee, respondent
Violated Utah Code Annotated.
License Limitation: 24 months’ probation
Forfeiture: $1,000

Erzinger, Martin J.: E-Case #3285; Order effective April 30, 2013.
Violation: 31A-23a-103. Respondent solicited insurance business without a nonresident license.
Forfeiture: $750
License Limitation: 12 month probation

IHC Health Solutions, Inc.: E-Case #3321; Order effective July 29, 2013.
Violation: 31A-23a-103 – Requirements of license; Respondent conducted business without being properly licensed.
Forfeiture: $3,000
License Limitation: 12 month Probation

Thomas A. Wood: E-Case #3369; Order effective: November 4, 2013.
Violations: 31A-22-409 – Respondent delivered insurance contracts in the State of Utah that did not meet Utah’s Standard Non-Forfeiture Law for individual annuities.
31A-21-201(1) – Using, selling or offering for sale insurance contracts not filed in the State of Utah.
31A-23a-402(1)(a)(i) – Providing false or misleading information in applications for insurance contracts.
Forfeiture: $4,000
License Limitations: 24 Month Probation

Kent Squire Rollins: E-Case #3383; Order effective November 12, 2013.
Violations: 31A-23a-10 – Character requirements.
31A-23a-402 – Unfair marketing practices.
R590-154.1 – Marketing practices rule.
Forfeiture: $1,500
License Limitation: 24 month probation and one hour of continuing education every six months during this period. The continuing education shall be directly related to ethics. These four hours shall be separate and apart from the 24 continuing education hours (and 3 ethics hours) that are required to maintain a producer license.

Interstate Specialty Marketing, Inc.: E-Case #3145; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $1,250
License Limitation: Probation 12 months

Dick Speechly Insurance Agency, Inc.: E-Case #3300; Order Effective: June 4-2013.
Violations: 31A-23a-409, R590-170-4 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies.
31A-23a-115(1)(b)& R590-244-9, – Did not maintaining current agency appointments.
Forfeiture: $5,000
License Limitation: 12 month probation

Martin J. Erzinger: E-Case #3285; Order effective April 30, 2013.
Violation: 31A-23a-103. Respondent solicited insurance business without a nonresident license.
Forfeiture: $1000
License Limitation: 12 month probation

Uintah Basin Bail Bonds / Reed, Jack Lynn: E-Case #3259; Order effective May 10, 2013.
Violations: 31A-23a-409 and 31A-35-603(2) – Failed to establish and maintain a trust account; commingled collateral trust funds with personal funds; converted trust monies for personal use; and failed to properly secure collateral monies in the bail bond producer’s fiduciary capacity.
R590-170-5 – Failed to retain all collateral funds in a trust account, and commingled trust monies with business monies.
R590-196-6 – Failed to use the disclosure form on file with the Department.
Forfeiture: $2,500
License Limitation: 24 month probation

Rodney K. Bingham: E-Case #3277; Order effective: April 30, 2013
Violations: 31A-23a-402 – Respondent provided false or misleading communication and made a false entry on an insurance application submitted to an Insurer with intent to deceive.
31A-31-103(1)(a) – Respondent made a written statement to an Insurer that he knew to be false with intent to deceive.
Forfeiture: $2,000
License Limitation: 24 Month Probation

Sun Surety Bail Bonds: E-Case #3255; Order effective February 26, 2013.
Violations: 31A-35-602(2), 604 and 607 – Failed to keep and maintain its business records required to be at its place of business. R590-196-6 Failed to use the disclosure form on file with the Department.
Forfeiture: $1,500
Probation: 12 months

Absolute Title Insurance Agency: E-Case #3115; Order effective January 14, 2013.
Violations: 31A-19a-209 – Charging unauthorized escrow fees not filed with the Department.
31A-23a-406(3)(b), 406(4)(b), 31A-23a-409(1)(d)(ii) – Fiduciary Violations.
31A-23A-402(1)(a)(i) – False and misleading information on a HUD-1 Settlement Statement; filing a false Annual Report to the Commissioner; creating a fraudulent Warranty Deed; causing it to be recorded; creating false title commitments with the intent that lenders rely on them.
31A-23a-107(2) – Failure to meet the character requirements.
Forfeiture: $5,000
License Limitation: 24 month probation

Mathew S. Lloyd: E-Case #3115; Order effective January 14, 2013.
Violations: 31A-19a-209 – Charging unauthorized escrow fees not filed with the Department
31A-23a-406(3)(b), 406(4)(b), 31A-23a-409(1)(d)(ii) – Fiduciary Violations.
31A-23A-402(1)(a)(i) – False and misleadinginformation on a HUD-1 Settlement Statement, filing a false Annual Report to the Commissioner.
31A-23a-107(2) – Failure to meet the character requirements.
Forfeiture: $5,000
License Limitation: 24 month probation

Forfeitures

Pioneer Title Insurance Agency, LC: E-Case #3410; Order effective November 26, 2013.
Violations: 31A-23a-413 – Failure to timely file the Annual and Controlled Business reports for 2012 due April 30, 2013.
Forfeiture: $1,000

Cedar Land Title, Inc.: E-Case #3406; Order effective November 26, 2013.
Violation: 31A-23a-413: – Failure to timely file the Annual and Controlled Business reports for 2012 due April 30, 2013.
Forfeiture: $1,000

1st National Title Insurance: E-Case #3408; Order effective November 26, 2013.
Violations: 31A-23a-413 – Failure to timely file the Annual and Controlled Business reports for 2012 due April 30, 2013 and 2011 due April 30, 2012; 31A-23a-415 – Failure to pay the annual title assessment for calendar years 2012 and 2013; and 31A-2-308 – Failure to respond to an inquiry of the commissioner.
Forfeiture: $6,500

Community Title: E-Case #3356; Order effective August 22, 2013.
Violations: 31A-23a-413 – Failure to timely file the Annual and Controlled Business Reports for 2012 due April 30, 2013.
31A-23a-414 – Failure to pay the annual title assessment due November 30, 2012.
Forfeiture: $1,750

Robert L. Harrington: E-Case #3356; Order effective August 22, 2013
Violations:31A-2-308: Failure to respond to an inquiry of the commissioner.
Forfeiture: $500

Bret E. Harding and Utah Insurance Solutions: E-Case #3370; Order effective November 4, 2013.
Violations: 31A-23a-402, R590-130, R590-154 – Respondents violated statute and rules related to unfair marketing practices and advertisements of insurance.
Forfeiture: $3,750
License Limitation: 24 month probation, 3 additional hours of continuing education.

Michael Paul Ippolito: E-Case #3286; Order effective April 23, 2013.
Violations:31A-2-202(4) – Failed to submit a timely response to an inquiry of the commissioner.
Forfeiture: $500
Requirement: Provide a substantive response to the Commissioner’s inquiry within 10 days after the date the order becomes final.

Full Spectrum Insurance Agency: E-Case #3347; Order effective November 05, 2013.
Violations: 31A-23a-103 – Requirement of License. Agency license lapsed and the business of insurance was still being conducted. 31A-23a-408 – Representations of agency. When agency license lapsed, agency affiliations and appointments lapsed also. 31A-23a-302 – Agency Designations. All individual associations were terminated when agency license lapsed.
Forfeiture: $1,500

Rodney K. Bingham: E-Case #3277; Order effective: April 30, 2013.
Violations: 31A-23a-402 – Respondent provided false or misleading communication and made a false entry on an insurance application submitted to an Insurer with intent to deceive.
31A-31-103(1)(a) – Respondent made a written statement to an Insurer that he knew to be false with intent to deceive.
License Limitations: 24 Month Probation
Forfeiture: $2,000

Meri E. Egan: E-Case #3270; Order effective March 27, 2013.
Violation: 31A-23a-103 – Respondent conducted business without being properly licensed.
Forfeiture: $1,500

Freedom National Insurance Services Inc.: E-Case #3359; Order effective September 24, 2013
Violations: R590-154-7; Sale, Solicitation, or Negotiation of Insurance. Respondent utilized an unapproved name to conduct Insurance business. Respondent failed to file escrow rates. Respondent conducted title escrow services while unlicensed/un-associated producer.
31A-23a-302(1) – Acted as a bail bond producer without being appointed.
Forfeiture: $4,500

Steven Michael Albrecht: E-Case #3199; Order effective July 10, 2013
Violations: 31A-23a-402(1)(a)(i), – Respondent violated Utah Code Annotated by issuing an invalid bond; providing false evidence of insurance.
31A-23a-409 – By failing to forward premiums received to the appropriate payee, respondent Violated Utah Code Annotated.
License Limitation: 24 months probation
Forfeiture: $1,000

Garner D. Jensen Insurance Group: E-Case #3199; Order effective July 10, 2013.
Violation: 31A-23a-302(7) – Respondent is responsible for the acts of Respondent Albrecht acting as its agent.
Forfeiture: $2,000

Andrew Laszlo Pjeter; E-Case #3368; Order effective December 2, 2013.
Violations: U.C.A. 31A-21-104 – Proposing a transaction in which the intended eventual owner and beneficiary did not have an insurable interest in the life of the insured.
U.C.A. 31A-23a-402.5 – Inducing a person to enter into or continue a policy by offering a benefit not specified in the insurance contract.
U.C.A. 31A-23a-402(I)(a)(I) – Providing false or misleading information.
Forfeiture: $120,919.50

IHC Health Solutions, Inc.: E-Case #3321; Order effective July 29, 2013.
Violation: 31A-23a-103 – Requirements of license; Respondent conducted business without being properly licensed.
License Limitation: 12 month Probation
Forfeiture: $3,000

Thomas A. Wood: E-Case #3369; Order effective: November 4, 2013.
Violations: 31A-22-409 – Respondent delivered insurance contracts in the State of Utah that did not meet Utah’s Standard Non-Forfeiture Law for individual annuities.
31A-21-201(1) – Using, selling or offering for sale insurance contracts not filed in the State of Utah.
31A-23a-402(1)(a)(i) – Providing false or misleading information in applications for insurance contracts.
License Limitations: 24 Month Probation
Forfeiture: $4,000

Artisan Title Insurance Agency, Inc.: E-Case #3386; Order effective October 22, 2013.
Violations: 31A-23a-413: – Failure to timely file the Annual and Controlled Business reports for 2012 due April 30, 2013.
Forfeiture: $1,500

Kent Squire Rollins: E-Case #3383; Order effective November 12, 2013.
Violations: 31A-23a-10 – Character requirements.
31A-23a-402 – Unfair marketing practices.
R590-154.1 – Marketing practices rule.
License Limitations: 24 month probation and one hour of continuing education every six months during this period. The continuing education shall be directly related to ethics. These four hours shall be separate and apart from the 24 continuing education hours (and 3 ethics hours) that are required to maintain a producer license.
Forfeiture: $1,500

Wyatt, Josette M.: E-Case #3324; Order effective October 28, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $250

Right Answer Insurance Agency, LLC: E-Case #3374; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $250

Steven Robert Peterson: E-Case #3292; Order effective June 4, 2013.
Violations: 31A-23a-103 – Requirements of license; Respondent conducted property & casualty business without being properly licensed.
Forfeiture: $500

Bart Brimley/Truepointe Insurance: E-Case #3234; Order effective July 30, 2013.
Violation: 31A-23a-103 – A person may not perform, offer to perform, or advertise any services as a producer without an agency license.
Forfeiture: $1,000

Berkshire Creek Insurance: E-Case #3350; Order effective Aug. 13, 2013.
Violation: 31A-37-302 – Failed to receive prior written approval from the Commissioner for two separate loans.
Forfeiture: $6,000

Millenium Auto Network: E-Case #3248; Order effective March 6, 2013.
Violation: 31A-6b-201 – A person may not sell, offer to sell, or otherwise provide a guaranteed asset protection waiver to a borrower in this state unless licensed.
Forfeiture: $3,000

Alliance Group, Inc.: E-Case #3319; Order effective July, 10 2013.
Violation: 31A-23a-103 – A person may not utilize the services of another as a producer if that person is not licensed.
Forfeiture: $1,000

James Arbon: E-Case #3249; Order effective March 6, 2013.
Violation: 31A-6b-201 – A person may not sell, offer to sell, or otherwise provide a guaranteed asset protection waiver to a borrower in this state unless licensed.
Forfeiture: $2,000

Mark L. Peterson: E-Case #3291; Order effective June 4, 2013.
Violations: 31A-23a-103 – Requirements of license. 31A-23a-302 – Agency
Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency.
Forfeitures: $1,000

Advanced Title Insurance Agency, LC: E-Case #3316; Order effective June 4, 2013.
Violations: 31A-23a-103 – Requirements of license. 31A-23a-302 – Agency Designations. Respondent allowed unassociated producer with lapsed license to conduct escrow services on behalf of agency.
Forfeiture: $1,500

Laren L. Nalder: E-Case #3315; Order effective June 4, 2013.
Violations: 31A-23a-103 – Requirements of license. Respondent failed to renew individual license and conducted title and escrow services during the time license lapsed.
Forfeitures: $1,500

1st Liberty Title: E-Case #3323; Order effective July 8, 2013.
Violations: 31A-23a-103 – Requirements of license. 31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency.
Forfeitures: $2,500.

Jax Hale Pettey: E-Case #3322; Order effective July 8, 2013.
Violations: 31A-23a-103 – Requirements of license. Respondent failed to renew individual license and conducted title and escrow services with a lapsed license.
Forfeitures: $1,500

Eastwood Title Insurance Agency, Inc.: E-Case #3219; Default and Default Order dated June 15, 2013. Respondent failed to appear either in person or through counsel. Default revocation is entered.
Violations: 31A-2-308(2) Respondent failed to comply with an order of the commissioner. Respondent was order to pay a forfeiture of $3,750, file all reports not previously filed, pay any assessment not paid, and update the business and mailing addresses for the agency. Respondent failed to comply and an Order to Show Cause hearing was commenced. Respondent failed to appear either in person or through counsel.
31A-2-202 – Failure to respond to an inquiry of the commissioner.
31A-23a-412 – Failure to updated business records within 30 days.
31A-23a-413 – Failure to file the Annual and Controlled Business reports by April 30.
31A-23a-415 – Failure to pay an assessment when due.
License Limitations: License revoked. Respondent is ordered to immediately cease doing any insurance or escrow business in the State of Utah.
Forfeiture: $3,750

Interstate Specialty Marketing, Inc.: E-Case #3145; Order effective March 13, 2013.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Probation 12 months
Forfeiture: $1,250

Dick Speechly Insurance Agency, Inc.: E-Case #3300; Order Effective: June 4, 2013.
Violations: 31A-23a-409, R590-170-4 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies.
31A-23a-115(1)(b)& R590-244-9, – Did not maintaining current agency appointments
License Limitation: 12 month probation
Forfeiture: $5,000

Martin J. Erzinger: E-Case #3285; Order effective April 30, 2013.
Violation: 31A-23a-103. Respondent solicited insurance business without a nonresident license.
Forfeiture: $1,000
Limitations: 12 month probation

Uintah Basin Bail Bonds / Reed, Jack Lynn: E-Case #3259; Order effective May 10, 2013.
Violations: 31A-23a-409 and 31A-35-603(2) – Failed to establish and maintain a trust account; commingled collateral trust funds with personal funds; converted trust monies for personal use; and failed to properly secure collateral monies in the bail bond producer’s fiduciary capacity.
R590-170-5 – Failed to retain all collateral funds in a trust account, and commingled trust monies with business monies.
R590-196-6 – Failed to use the disclosure form on file with the Department.
License Limitation: 24 month probation
Forfeiture: $2,500

Rodney K. Bingham: E-Case #3277; Order effective: April 30, 2013
Violations: 31A-23a-402 – Respondent provided false or misleading communication and made a false entry on an insurance application submitted to an Insurer with intent to deceive.
31A-31-103(1)(a) – Respondent made a written statement to an Insurer that he knew to be false with intent to deceive.
License Limitation: 24 Month Probation
Forfeiture: $2,000

Lee Ann Hollister: E-Case #3256; Order effective January 10, 2013.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $500

Eagle Gate Title Insurance Agency, Inc.: E-Case #3268; Order effective April 1, 2013.
Violation: 31A-19a-209 – Special provisions for title insurance. Respondent failed to file escrow rates and conducted title and escrow business.
Forfeiture: $1,000

Wasatch Title Insurance Agency: E-Case #3267; Order effective March 27, 2013.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $4,500

Premium Settlements of Utah, LLC: E-Case #3220; Order effective February 19, 2013.
Violations: 31A-23a-413: – Failure to file an Annual and Controlled Business reports timely; 31A-23a-415: – Failure to pay an assessment timely.
Forfeiture: $1,750
Compliance requirement: File past due reports and pay outstanding assessments within 10 days of the effective date of the order.

Artisan Title Insurance Agency, Inc.: E-Case #3257; Order effective February 26, 2013.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1,500

Affiliated First Title Insurance Agency, LLC: E-Case #3237; Order effective March 27, 2013.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $3,500

National Title Agency: E-Case #3269; Order effective March 27, 2013.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $7,500

Paul J. Anderson: E-Case #3250 – Order effective March 6, 2013.
Violation: 31A-6b-201; Selling guaranteed asset protection waivers without a license.
Forfeiture: $1,000

Armed Forces Insurance Exchange: E-Case #3258; Order effective April 4, 2013.
Violations: 31A-23a-402.5 and 31A-23a-402: – Required a quote for insurance in order for the solicitation recipient to receive a $10 gift card; the solicitation was not clear and complete regarding the identity of the sender.
Forfeiture: $1,000

LSI Title Insurance Agency of Utah, Inc.: E-Case #3015; Order effective March 26, 2013.
Violations: 31A-23a-409-Failed to establish and maintain a trust account with a banking institution in the state of Utah; failed to establish and maintain trust account with the licensees’ federal employee identification number; failed to have signatories on trust accounts who were licensees or employees with specific responsibility;
31A-23a-103 – had insurance products issued by non-licensees.
Forfeiture: $100,000

Tim A. Krueger: E-Case #3015; Order effective March 26, 2013.
Violation: 31A-23a-302 – Failed to assure that the title agency he was designated with, complied with Utah insurance laws and rules.
Forfeiture: $3,750

Sun Surety Bail Bonds: E-Case #3255; Order effective February 26, 2013.
Violations: 31A-35-602(2), 604 and 607 – Failed to keep and maintain its business records required to be at its place of business. R590-196-6 Failed to use the disclosure form on file with the Department.
Probation: 12 months
Forfeiture: $1,500

Provo Land Title Company: E-Case #3241; Order effective February 7, 2013.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed.
Conducted title and escrow services without an active association.
Forfeiture: $1,500

Equita Financial Insurance Services of Texas and Senior Advisor Services and Insurance Services Inc.: E-Case #3209; Order effective February 26, 2013.
Violation: R590-130-7 – Respondents violated this rule when a mass mailing advertisement was sent to Utah residents exaggerating the benefits of the policy, also it failed to state the name of the insurer in its advertising.
Forfeiture: $6,000

Employers Direct Health, Inc.: E-Case #3247; Order effective February 26, 2013.
Violation: 31A-23a-105 – Failure to disclose an administrative action on license application.
Forfeiture: $1,000

Absolute Title Insurance Agency: E-Case #3115; Order effective January 14, 2013.
Violations: 31A-19a-209 – Charging unauthorized escrow fees not filed with the Department.
31A-23a-406(3)(b), 406(4)(b), 31A-23a-409(1)(d)(ii) – Fiduciary Violations.
31A-23A-402(1)(a)(i) – False and misleading information on a HUD-1 Settlement Statement; filing a false Annual Report to the Commissioner; creating a fraudulent Warranty Deed; causing it to be recorded; creating false title commitments with the intent that lenders rely on them.
31A-23a-107(2) – Failure to meet the character requirements.
License Limitation: 24 month probation
Forfeiture: $5,000

Mathew S. Lloyd: E-Case #3115; Order effective January 14, 2013.
Violations: 31A-19a-209 – Charging unauthorized escrow fees not filed with the Department
31A-23a-406(3)(b), 406(4)(b), 31A-23a-409(1)(d)(ii) – Fiduciary Violations.
31A-23A-402(1)(a)(i) – False and misleadinginformation on a HUD-1 Settlement Statement, filing a false Annual Report to the Commissioner.
31A-23a-107(2) – Failure to meet the character requirements.
License Limitation: 24 month probation
Forfeiture: $5,000

License Surrendered

Truckers on the Run & Lillie Coburn: E-Case #3266; Order effective December 9, 2013.
Violation: 31A-23a-409: Respondent failed to forward premium to insured’s or insurers.
Respondent breached the fiduciary duty owed to the insured.
License Limitations: Surrender in Lieu of Administrative Action, respondent may not apply for any insurance license in the State of Utah within 5 years unless specific written permission has been received from the Commissioner.

Courtney Morris: E-Case #3352; Order effective October 4, 2013.
Violation: 31A-23a-105 – Failure to disclose an administrative action on license application.
Limitations: License surrendered

Zachary B. Hancock: E-Case #3235; Order effective August 13, 2013.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-31-103(1)(a) – Respondent made a written statement to an Insurer that he knew to be false with intent to deceive.
License: Surrendered in Lieu

Alexander Bruce Petereit: E-Case #3212; Order effective June 18, 2013
Violation: 31A-23a-105(2) Failure to report a criminal prosecution when applying for a resident producer license.
License Limitation: License Surrendered in lieu of administration action

Bridgette R. Lloyd: E-Case #3115; Order effective January 14, 2013.
Violations: 31A-19a-209 – Charging unauthorized escrow fees not filed with the Department;
31A-23a-406(3)(b), 406(4)(b), 31A-23a-409(1)(d)(ii) – Fiduciary Violations.
31A-23A-402(1)(a)(i) – False and misleading information on a HUD-1Settlement Statement, filing a false Annual Report to the Commissioner, creating a fraudulent Warranty Deed, causing it to be recorded, creating false title commitments with the intent that lenders rely on them.
31A-23a-107(2): – Failure to meet the character requirements.
License Limitation: Surrender in lieu of administrative action or penalties.

License Denied

Adhis G. Ruiz: E-Case #3239; Order effectiveApril 2, 2013.
Violation: 31A-23a-111(5)(b)(xxii) – Having outstanding tax obligations is unqualified for a license.
License Limitation: License denied

Jimmy Ren Pearson: E-Case #3246; Order effective March 25, 2013.
Violation: 31A-23a-107 – Failure to meet the character requirements.
License: License denied

Johansson, Kurt H: E-Case #3245; Order effective April 2, 2013.
Violation: 31A-23a-107 – Failure to meet the character requirements.
License: License denied.

Celeste Johnson: E-Case #3232; Order effective March 25, 2013.
Violations: 31A-23a-107 – Failure to meet the character requirements.
31A-23a-111 – Unqualified for license
License: License denied

John Archibald Breivik: E-Case #3327; Order effective August 1, 2013.
Violation: 31A-23a-107 – Failed to meet the character requirements for licensing.
License Limitation: License denied

Mandi Dawn Avila: E-Case #3326; Order effective August 1, 2013.
Violation: 31A-23a-107 – Failed to meet the character requirements for licensing.
License Limitation: License denied

Lawrence M. Law: E-Case #3301; Order effective July 11, 2013.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment.
31A-23a-111(5)(b)(xxi) – Failure to comply with an administrative or court order imposing a child support obligation.
License Limitation: License denied

Public Letter of Admonition

None

2014 Administrative Actions

Insurers

Settlement Agreement & Consent Order

Symerta Life Insurance Company and Symetra National Life Insurance Company:
Docket No. 2014-123 AD; Order effective December 1, 2014
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Sun Life Assurance Company of Canada; Delaware Life Insurance Company (formerly known as Sun Life Assurance Company of Canada (U.S.)); Independence Life and Annuity Company; Professional Insurance Company; Sun Life Health Insurance Company (U.S.) and Delaware Life Insurance Company of New York (formerly known as Sun Life Insurance and Annuity Company of New York):
Docket No. 2014-118 AD; Order effective November 13, 2014
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Aviva Life and Annuity Company and Aviva Life and Annuity Company:
Docket No. 2013-151 AD; Order effective January 7, 2014.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Midland National Life Insurance Company, and North American Company for Life and Health Insurance:
Docket No. 2013-152 AD, E-Case #3428; Order effective January 8, 2014.
The Department adopts and approves the multi-state Regulatory Settlement Agreement resulting from Multi-State Market Conduct Examination of the companies’ settlement practices, procedures and policies administration relating to claims and use of Social Security Death Master File.

Genworth Life Insurance, Genworth Life and Annuity Insurance Company and Genworth Life Insurance Company of New York:
Docket No. 2014-027 AD; Order effective March 4, 2014.
The Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed proceeds.

Lincoln National Life Insurance Company and Lincoln Life and Annuity Company of New York and First Penn Pacific Life Insurance Company:
Docket No. 2013-154 AD; Order effective January 31, 2014.
The Regulatory Settlement resulting from a Multi-State Market Examination of the companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Midland National Life Insurance Company and North American Company for Life and Health Insurance:
Docket No. 2013-152 AD; Order effective January 8, 2014.
The Department adopts and approves the Regulatory Settlement Agreement and Consent Order from a Targeted Market Conduct Examination of respondent’s Disability Income Handling Practices

Cease and Desist Order

None

Suspension

None

Probation

1st Liberty Title LC: E-Case #3526; Order effective September 29, 2014.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – Agency designations.
31A-23a-402 – Unfair marketing practices. Respondent failed to file escrow rates and conducted title and escrow services. Conducted title and escrow services without an active association. Conducted closings with a reduced rate that the property did not qualify for.
Forfeiture: $9,000
Limitations: 12 Month probation

Price Bail Bonds: E-Case #3556; Order effective December 15, 2014.
Violations: 31A-2-202 – Failed to timely file necessary reports with the commissioner; R590-186-5 – Failed to timely renew insurance license.
Forfeiture: $3,000
Limitations: 24 month probation

Revocation

None

Forfeitures

Aetna Life Insurance Company: E-Case #3564; Order effective December 30, 2014.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2014.
Forfeiture: $750

1st Liberty Title LC: E-Case #3526; Order effective September 29, 2014.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – Agency designations.
31A-23a-402 – Unfair marketing practices. Respondent failed to file escrow rates and conducted title and escrow services. Conducted title and escrow services without an active association. Conducted closings with a reduced rate that the property did not qualify for.
Forfeiture: $9,000
Limitations: 12 Month probation

Sutherland Title Company: E-Case #3534; Order effective September 29, 2014.
Violations: 31A-23a-103 – Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1,500

Commerce Land Title: E-Case #3533; Order effective September 11, 2014
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner. Respondent is order to respond within ten (10) days.
Forfeiture: $750

Transamerica Life Insurance Company: E-Case #3380; Order effective October 31, 2014.
Violations: R590-220 – 9 – Failure to file a group questionnaire for association groups and/or policy plans.
31A-23a-103(1)(c) – Utilized services of a TPA not licensed with the Utah Insurance Department.
Forfeiture: $45,000

Fidelity National Title Insurance Company & Chicago Title Insurance Company: E-Case #3376; Order effective dated September 8, 2014.
Violations: 31A-14-211 – Issuing title insurance direct to consumers without having a direct operation in the State of Utah.
31A-19-209 – Failure to file escrow rates prior to conducting escrow.
Forfeiture: $225,500

Nova Casualty Company: E-Case #3491; Order effective August 5, 2014.
Violation: 31A-25-201 & 31A-26-201 – Respondent improperly used an unlicensed entity as both an insurance adjuster and a third party administrator. The entity subsequently became licensed within the state of Utah.
Forfeiture: $23,000

On Call International, LLC: E-Case #3496; Order effective May 30, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $750

Candice Blain: E-Case #3510; Order effective June 26, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Brighton Insurance Group, Judy Bigler: E-Case #3469; Order effective June 16, 2014.
Violations: 31A-23a-412 – Respondent failed to maintain accurate, thorough and organized records.
31A-23a-409 – Respondent did not fulfill the fiduciary duties of a trustee with respect to monies to be forwarded to the insured or insurer.
31A-23a-410 – Respondent received premium and failing to forward it to the insurer.
Forfeitures: $7,000

New York Life Insurance & Annuity Corp: E-Case #3468; Order effective May 29 2014.
Violations: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2013.
Forfeiture: $750

First American Title Insurance Company: E-Case #3375; Order effective May 12, 2014.
Violations: 31A-14-211 – Issuing title insurance direct to consumers without using agents or direct operations in the State of Utah; 31A-19-209 – Failure to file a schedule of escrow rates.
Forfeiture: $73,000

Health Care Service Corp.: E-Case #3460; Order effective March 13, 2014.
Violation: 31A-2-202(4): Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $750

Health Care Service Corp.: E-Case #3459; Order effective March 13, 2014.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $750

Surrender

None


Individual & Agency Licensees

Cease and Desist Order

None

Revocation

Affordable Insurance Agency: E-Case #3502; Order effective November 3, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
License Limitation: Revoked

Aaron J. Meade: E-Case #3486; Order effective May 29, 2014
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
License Limitation: Revoked

VitalCE.Com: E-Case #3471; Order effective May 14, 2014.
Violation: R590-142-9 – Plagiarizing continuing education course material.
License Limitation: Revocation of continuing education provider license

Dorathy J. Law: E-Case #3452; Order effective March 18, 2014.
Violations: 31A- 23a-107(1) – Failed to meet the character requirements to hold an insurance license; 31A-23a-111(5)(b)(xv) – Admits or is found to have committed an insurance unfair trade practice or fraud.
License Limitation: Revoked

Hilary Martin: E-Case #3365; Default and Default Order dated February 12, 2014.
Violations: 31A-23a-107(2) – In demonstrating lack of trustworthiness in the conduct of business and the use of dishonest practices, respondent is unqualified to hold an insurance license.
31A-23a-111(5)(b)(I)) – Failed to pay an outstanding judgment within 60 days of the entry of the judgment.
License Limitation: Revoked. Respondent is ordered to immediately cease doing any insurance or escrow business in the State
of Utah.

Freddie J. “Tyke” Martin: E-Case #3366; Order effective February 10, 2014.
Violations: 31A-23a-107(2) – In demonstrating lack of trustworthiness in the conduct of business and the use of dishonest practices, respondent is unqualified to hold an insurance license.
31A-23a-111(5)(b)(I)) – Failed to pay an outstanding judgment within 60 days of the entry of the judgment.
License Limitation: Revoked. Respondent is ordered to immediately cease doing any insurance or escrow business in the State of Utah.

Linda Sue Barnhart: E-Case #3438; Order effective February 28, 2014.
Violations: 31A-23a-107(2) – Respondent actions show she does not meet character requirements to hold an insurance producer license.
31A-23a-409(6) – Trust obligation for money collected
License Limitation: Revoked

Suspension

None

Probation

Jacquan Marshay Waites-Ray: E-Case #3675; Order effective November 21, 2014.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing.
License Limitation: License granted conditionally with 24 month probation

Michael Franklin: E-Case #3655; Order effective December 2, 2014.
Violations: 31A-23a-107(2) – failure to meet trustworthiness character requirement.
License Limitation: License granted conditionally, 12 month probation.

Ammon Holm: E-Case #3645; Order effective August 4, 2014.
Violations: 31A-23a-111(5)(b)(xxi) – Failure to comply with an administrative or court order imposing a child support obligation.
31A-23a-111(5)(b)(iv) – Failure to pay a final judgment or judgments rendered against you in this state.
License Limitation: 24 month probation

Jason Bradley White: E-Case #3644; Order effective July 23, 2014.
Violations: 31A-23a-111(5)(b)(xxi) – Failure to comply with an administrative or court order imposing a child support obligation;
31A-23a-111(5)(b)(iv) – Failure to pay a final judgment or judgments rendered against you in this state.
License Limitation: 24 month probation

Roice Matthew Arnold: E-Case #3529; Order effective October 2, 2014.
Violations: 31A-23a-111(5)(b)(iv) and(xxi) – Failure to comply with order imposing child support.
Forfeiture: $500
License Limitation: 24 month probation. Forfeiture to be dismissed if Respondent satisfactorily completes probation.

Lesley Ann Ulibarry: E-Case #3512; Order effective October 6, 2014.
Violations: 31A-2-405 – Dual licensing; and R592-5-4 – Filing requirements.
Respondent conducted two real estate closings while licensed as a Title & Escrow producer without seeking permission from the Insurance Commissioner.
Forfeiture: $2,500
License Limitation: 12 Month Supervised Probation

Scott Barker: E-Case #3531; Order effective: September 30, 2014.
Violations: 31A-23a-409 – Failed to timely deposit premiums in a trust account. Diverted premiums for his own use.
Forfeiture: $1,000
License Limitation: 24 month probation

Blue Mountain Insurance, Inc.: E-Case #3519; Order Effective: August 11, 2014.
Violations: 31A-23a-302 – Respondent demonstrated pattern over several years of failing to designate and terminate designations of producers conducting business on behalf of the agency.
31-1-23a-409 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies.
Forfeiture: $5,000
License Limitation: 12 month probation

Joseph Aaron Corbin: E-Case #3455; Order effective June 11, 2014.
Violation: 31A-23a-111(5)(b)(iv) – Financial impairment for failure to pay a judgment within 60 days of final judgement.
Forfeiture: $500 of which $500 is suspended pending successful completion of probation and terms of probation.
License Limitation: Probation 24 months. Licensee shall satisfy the judgments. Licensee shall have no financial responsibility for any title agency, including as a signatory on trust accounts or operating accounts.

Academy Title fka Emery County Abstract & Title, Inc.: E-Case #3445; Order effective April 14, 2014.
Violation: R592-6-4(13) – Paying compensation to an employee of a title agency who is at the same time licensed as a real estate broker, real estate agent, mortgage broker, or mortgage loan officer.
Forfeiture: 1,500; $1,250 suspended pending successful completion of probation
License Limitation: Probation 6 months

Extend Insurance Services, LLC DBA Towers Watson’s OneExchange: E-Case #3467: Order Effective April 23, 2014.
Violations: 31A-23a-302, R590-244-12 – Respondent demonstrated pattern over several years of failing to designate and terminate designations of producers conducting business on behalf of the agency.
Forfeiture: $10,000
License Limitation: 12 month probation

Infiniteam Insurance, Inc.: E-Case #3462; Order Effective: April 10, 2014.
Violations: 31A-23a-402.5 – Respondent solicited HR services at a discounted rate;
31A-23a-302, R590-244-12 – Respondent failed to timely designate and terminate designations of producers conducting business on behalf of the agency.
Forfeiture: $5,000
License Limitation: 12 months probation

Amigos Insurance Agency: E-Case #3394: Order effective April 10, 2014.
Violations: 31A-23a-103, 31A-23a-302 and 408, R590-244 – Failed to reappoint its producers following a lapse of their insurance license.
31A-23a-501 – Received non-commission compensation from insureds with regards to acts being provided in order to receive commission compensation
Forfeiture: $16,500
License Limitation: 24 months requiring every six months that Respondent will provide a record of the prior months’ operating and trust account and any other business account to the Department and subject to no-notice inspections from the Department

Mountain View Title & Escrow, Inc.: E-Case #3395; Order effective January 13, 2014.
Violations: 31A-23a-103; requirements of license, 31A-23a-302 – Agency designations;
31A-23a-406 – held construction funds for payout, 31A-23a-201 – unapproved forms;
31A-23a-409 filed rates; and R592-154-7 – failure to report a branch office. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association, held construction funds for payout, used unapproved rates & forms.
Forfeiture: $10,500
License Limitation: 12 month probation

Forfeiture

Shanis Donald McClellan: E-Case #3516; Order effective November 15, 2014.
Violations: 31A-2-202 – Failed to timely file necessary reports with the commissioner.
Forfeiture: $500

Liberty Bail Bonds: E-Case #3558; Order effective December 30, 2014.
Violations: 31A-2-202 – Failed to timely file necessary reports with the commissioner
R590-186-5 – Failed to timely renew insurance license.
Forfeiture: $1,000

Scott L. Steinmetz: E-Case #3560; Order effective January 22, 2014.
Violation: 31A-23a-105(2)(a) and (b) – Respondent failed to report an administrative action taken by another regulatory agency in Utah within 30 days of the final disposition. Respondent was previously fined by the Department of Commerce.
Forfeiture: $500

Price Bail Bonds: E-Case #3556; Order effective December 15, 2014.
Violations: 31A-2-202 – Failed to timely file necessary reports with the commissioner; R590-186-5 – Failed to timely renew insurance license.
Forfeiture: $3,000
Limitations: 24 month probation

B & B Bail Bonds: E-Case #3557; Order effective December 22, 2014.
Violations: 31A-2-202 – Failed to file necessary reports with the commissioner; R590-186-5 – Failed to timely renew insurance license.
Forfeiture: $1,000

James Benjamin Harte: E-Case #3544; Order effective October 21, 2014.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner. Respondent is order to respond within ten (10) days and failure to submit replacement fees for licensure.
Forfeiture: $500

Robert Pierce: E-Case #3551; Order effective December 30, 2014.
Violation: U.C.A. 31A-23a-105 – Failure to disclose on his Utah application that he had a FINRA action taken against him in 2011.
Forfeiture: $500

Roice Matthew Arnold: E-Case #3529; Order effective October 2, 2014.
Violations: 31A-23a-111(5)(b)(iv) and(xxi) – Failure to comply with order imposing child support.
Forfeiture: $500
License Limitation: 24 month probation. Forfeiture to be dismissed if Respondent satisfactorily completes probation.

Shawn A. Parker: E-Case #3533; Order effective September 11, 2014
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner. Respondent is order to respond within ten (10) days.
Forfeiture: $500

Tyler Odenweller: E-Case #3543; Order effective November 21, 2014.
Violation: 31A-23a-105 – Respondent failed to disclose an administrative action when applying for his non-resident producer license.
Forfeiture: $500

Sean Martin Lamb: E-Case #3541; Order effective October 21, 2014.
Violation: 31A-23a-105(2)(a)(C)(b)(ii)(II) – Failed to notify the Department of a pending criminal prosecution.
Forfeiture: $500

South Eastern Utah Title Company: E-Case #3535; Order effective October 20, 2014.
Violations: 31A-23a-103 – Requirements of license, and 31A-23a-302 – Agency
designations. Respondent failed to renew agency license and conducted title and escrow
services during the time license lapsed. Conducted title and escrow services without an
active association.
Forfeiture: $1,500

Vicki Boren Anderson: E-Case #3532; Order effective October 1, 2014.
Violation: 31A-23a-402 – Failed to use legal name on advertising materials and using a name other than full legal name as filed with the Department.
Forfeiture: $500

Lesley Ann Ulibarry: E-Case #3512; Order effective October 6, 2014.
Violations: 31A-2-405 – Dual licensing; and R592-5-4 – Filing requirements.
Respondent conducted two real estate closings while licensed as a Title & Escrow producer without seeking permission from the Insurance Commissioner.
License Limitation: 12 Month Supervised Probation
Forfeiture: $2,500

Artisan Title Insurance Agency, Inc.: E-Case #3528; Order effective August 29, 2014.
Violation: 31A-23a-413 – Failure to timely file the Annual and Controlled Business reports for calendar year 2013,
due April 30, 2014.
Forfeiture: $3,000

Affordable Insurance Agency: E-Case #3502; Order effective June 13, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

GM-Southwest Inc.: E-Case #3497; Order effective May 30, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $750

Bloom Health Insurance Agency: E-Case #3499; Order effective May 30, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $750

Beneration LLC: E-Case #3498; Order effective May 30, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $750

Southwest Business Corporation: E-Case #3495; Order effective September 5, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $750

Scott Barker: E-Case #3531; Order effective: September 30, 2014.
Violations: 31A-23a-409 – Trust obligation for money collected.
Limitation: 24 month probation
Forfeiture: $1,000

Artisan Title Insurance Agency, Inc.: E-Case #3527; Order effective August 29, 2014.
Violation: 31A-23a-413 – Failure to timely file the Annual and Controlled Business reports for calendar year 2013,
due April 30, 2014.
Forfeiture: $3,000

Education Resource Center: E-Case #3504; Order effective September 4, 2014.
Violations: R590-142-6 (1) – Control and reporting of credit hours. Respondent failed to
report completion of Continuing Education course within 14 days.
Forfeiture: $250

Magellan Title: E-Case #3511; Order effective September 8, 2014.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – Agency designations.
R592-6-4(13) – Unfair methods of competition. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association. Paid salary to an active real estate agent while licensed as a Title Escrow Producer.
Forfeiture: $5,000

Hy and Mike’s Bail Bonding: E-Case #3522; Order effectiveAugust 25, 2014.
Violations: 31A-23a-302 – Failed to report a terminated designation.
31A-35-607 – Failed to file forms with the Commissioner.
Forfeiture: $5,500

Hudson Douglas Public Adjusters, LLC: E-Case #3490; Order effective July 15, 2014.
Violations: 31A-26-209, – Respondent was not licensed to conduct business in the State of Utah as a public adjuster.
31A-23a-402, – Respondent utilized its web site to advertise its services in Utah which were false and misleading by implying it was licensed in Utah.
Forfeiture: $5,000

Blue Mountain Insurance, Inc.: E-Case #3519; Order Effective: August 11, 2014.
Violations: 31A-23a-302 – Respondent demonstrated pattern over several years of failing to designate and terminate designations of producers conducting business on behalf of the agency.
31-1-23a-409 – Failed to establish and maintain a trust account and commingling trust monies with personal and business monies.
Limitation: 12 month probation
Forfeiture: $5,000

Network Adjusters, Inc./dba TCS-One: E-Case #3493; Order effective July 15, 2014.
Violation: 31A-25-201 and 31A-26-201 – Respondent conducted insurance business as a Third Party Administrator without a license, and used unlicensed adjusters in Utah.
Forfeiture: $4,000

Heritage Financial Place: E-Case #3456; Order effective July 11, 2014.
Violation: 31A-23a-301 – The agency acted as a producer without an agency license.
Forfeiture: $1,500

Preston B. Leonard II: E-Case #3489; Order effective June 20, 2014.
Violations: 31A-2-202 – For failure to accurately answer a question on license application regarding to termination for cause by carrier.
Forfeiture: $500

On Call International, LLC: E-Case #3496; Order effective May 30, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $750

Tumi Insurance Services: E-Case #3472; Order effective June 19, 2014.
Violations: 31A-23a-103 & 31A-23a-106 – Respondent was not licensed as a managing general agent in the State of Utah.
31A-23a-302 – Respondent failed to designate any individual or agents to act on the agency’s behalf in order for the licensee to do business in this state.
Forfeiture: $5,500

Samantha Spenny: E-Case #3494; Order effective May 29, 2014.
Violation: 31A-2-202(4) – Respondent failed to respond to an inquiry from the Commissioner.
Forfeiture: $500

Tebbs Insurance Agency, Inc.: E-Case #3473; Order effective Jun 11, 2014.
Violation: 31A-23a-402 – Providing information that is false or misleading because it was incomplete.
Forfeiture: $7,500

Cobb, Daniel Partick: E-Case #3505; Order effective June 17, 2014.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $500

Hermosillo, Mark: E-Case #3506; Order effective June 17, 2014.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $500

AFS Insurance Services, Inc.: E-Case #3492; Order effective May 27, 2014.
Violation: 31A-2-202(4) – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $250

Advanced Title Company, Inc.: E-Case #3465; Order effective June 9, 2014.
Violations: 31A-23a-103 – Conducted business without an active license.
31A-23a-302 – Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1,500

Title West: E-Case #3458; Order effective June 9, 2014.
Violations: 31A-23a-103 – Conducted business without an active license.
31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1,500

Academy Title fka Emery County Abstract & Title, Inc.: E-Case #3445; Order effective April 14, 2014.
Violation: R592-6-4(13) – Paying compensation to an employee of a title agency who is at the same time licensed as a real estate broker, real estate agent, mortgage broker, or mortgage loan officer.
License Limitation: Probation 6 months
Forfeiture: 1,500; $1,250 suspended pending successful completion of probation

NJ Pesci School of Insurance: E-Case #3464; Order effective May 6, 2014.
Violation: R590-142-6 Controls and Reporting of Credit Hours.
Forfeiture: $1,000

Trans Global Adjusting Corp.: E-Case #3463; Order effective May 5, 2014.
Violations: 31A-23a-103 & 31A-26-102: Respondent was not licensed in the State of Utah.
Forfeiture: $9,000

Extend Insurance Services, LLC DBA Towers Watson’s OneExchange: E-Case #3467: Order Effective April 23, 2014.
Violations: 31A-23a-302, R590-244-12 – Respondent demonstrated pattern over several years of failing to designate and terminate designations of producers conducting business on behalf of the agency.
Limitation: 12 month probation
Forfeiture: $10,000

Anthony Valenti: E-Case #3449; Order effective February 18, 2014.
Violation: 31A-2-202 – Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $250

Melissa Ann Vaught: E-Case #3447; Order effective March 11, 2014.
Violations: 31A-23a-105(2): Failure to report a criminal prosecution when applying for a resident producer license.
31A-23a-111(5): Provided information on the application that was incomplete or materially untrue.
Forfeiture: $500

Bartlett Title Insurance Agency, Inc.: E-Case #3454; Order effective April 14, 2014.
Violations: 31A-23a-103: Requirements of license, and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $3,000

Coalition Title Agency: E-Case #3431; Order effective April 14, 2014.
Violations: 31A-23a-103: Requirements of license and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1,500

Box Elder Land Title Insurance Agency, Inc.: E-Case #3453; Order effective April 14, 2014.
Violations: 31A-23a-103: Requirements of license, and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1,500

Artisan Title Insurance Agency, Inc.: E-Case #3430; Order effective April 14, 2014.
Violation: 31A-19a-209: Special provisions for title insurance. Respondent failed to file escrow rates and conducted title and escrow business.
Forfeiture: $1,500

Infiniteam Insurance, Inc.: E-Case #3462; Order Effective: April 10, 2014.
Violations: 31A-23a-402.5: Respondent solicited HR services at a discounted rate;
31A-23a-302, R590-244-12: Respondent failed to timely designate and terminate designations of producers conducting business on behalf of the agency.
Limitation: 12 months probation
Forfeiture: $5,000

Amigos Insurance Agency: E-Case #3394: Order effective April 10, 2014.
Violations: 31A-23a-103, 31A-23a-302 and 408, R590-244: Failed to reappoint its producers following a lapse of their insurance license.
31A-23a-501: Received non-commission compensation from insureds with regards to acts to acts being provided in order to receive commission compensation
Forfeiture: $16,500
Limitations: 24 months requiring every six months that Respondent will provide a record of the prior months’ operating and trust account and any other business account to the Department and subject to no-notice inspections from the Department

B & B Bail Bonds: E-Case #3466; Order effective April 8, 2014.
Violations: 31A-35-602: Failed to notify the Commissioner of its new address within 20 days of an address change.
31A-35-607: Failed to file updated forms with the Commissioner within 30 days of a change in the forms.
Forfeiture: $1,750

Kevin Bates: E-Case #3442; Order effective March 26, 2014.
Violation: 31A-2-202: Failed to submit a timely response to an inquiry from the Commissioner.
Forfeiture: $500

Chyreisse Bullock: E-Case #3443; Order effective March 18, 2014.
Violations: 31A-2- 202 and 31A-23a-105: Failed to disclose criminal background on license application.
Forfeiture: $250

Bangerter Insurance, LLC: E-Case #3446; Order Effective: March 3-2014.
Violations: 31A-23a-115 – Appointment of individual and agency insurance producers, limited line producer, or managing general agent; 31A-23a-302 – Agency designations; R590-244 – Individual and Agency Licensing requirements.
Forfeiture: $1,000

Insure First Insurance Agency: E-Case #3439; Order effective February 18, 2014.
Violations: 31A-23a-103(c) – Respondent employed a producer after the producer’s license was revoked.
31A-23a-302(4) – Respondent failed to designate producers as agents of the Respondent and not all producers were licensed at the time in question.
Forfeiture: $4,000

Eagle Gate Title Insurance Agency, Inc.: E-Case #3404; Order effective January 13, 2014.
Violations: 31A-23a-103 – Requirements of license; and 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed.
Conducted title and escrow services without an active association.
Forfeiture: $1,500

Keystone Title Insurance Agency, LLC: E-Case #3405; Order effective January 13, 2014.
Violations: 31A-23a-103: – Requirements of license and 31A-23a-302; Agency designations.
Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed.
Conducted title and escrow services without an active association.
Forfeiture: $1,500

Mountain View Title & Escrow, Inc.: E-Case #3395; Order effective January 13, 2014.
Violations: 31A-23a-103; requirements of license, 31A-23a-302 – Agency designations;
31A-23a-406 – held construction funds for payout, 31A-23a-201 – unapproved forms;
31A-23a-409 filed rates; and R592-154-7 – failure to report a branch office. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association, held construction funds for payout, used unapproved rates & forms.
License Limitation: 12 month probation
Forfeiture: $10,500

License Surrendered

Justin Marc Taylor: E-Case #3540; Order effective October 23, 2014.
Violation: 31A-23a-107 – Taylor voluntarily surrendered his insurance license in lieu of the department taking administrative action against him for not meeting character requirements for holding an insurance license.
License Limitation: Surrendered in lieu of administrative action.

Adrian Rand Robison: E-Case #3392; Order effective: April 17, 2014.
Violations: 31A-23a-111(5)(b)(i)(xvii): Resident Producer License in Idaho was revoked by pleading guilty to mail fraud.
License Limitation: Surrendered in lieu of administrative action.

A. Russell Robison: E-Case #3393; Order effective April 17, 2014
Violations: 31A-23a-111(5)(b)(i)(xvii): Resident Producer License in Idaho was revoked after pleading guilty to one count of making and subscribing a false tax return.
License Limitation: Surrendered in Lieu of Administrative Action

Brian Young Horne: E-Case #3388; Order effective: January 28, 2014.
Violations: 31A-23a-111(5)(b)(ix): Providing information in license application that is incorrect, misleading, incomplete or untrue.
31A-23a-105(2) – Failed to report administrative action by another regulatory agent in the State of Utah.
License: Surrendered in Lieu of Administrative Action

License Denied

Jaqueline Ryser: E-Case #3667; Order effective August 4, 2014.
Violation: 31A-23a-111(5)(b)(iv) – Failure to pay a final judgment rendered against you in this state.
License Limitation: License denied

Donald Bradley Stonecipher: E-Case #3676; Order effective November 21, 2014.
Violations: 31A-23a-105(2)(b)&(c) – failure to report at the time of filing the license application an administrative action taken against you in another jurisdiction;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Jeremy N. Alderman: E-Case #3674; Order effective November 21, 2014.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Travis Cheesman: E-Case #3643; Order effective May 15, 2014.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing;
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Jonathan K Black: E-Case #3642; Order effective June 5, 2014.
Violation: 31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered against you in this state.
License Limitation: License denied

JJ Best Insurance Agency, Inc.: E-Case #3641; Order effective August 25, 2014.
Violations: 31A-23a-105(2)(b)&(c) – failure to report at the time of filing the license application an administrative action taken against you by another jurisdiction;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information on the license application;
31A-23a-103 – acting as a producer without a valid agency license.
License Limitation: License denied

Alfredo Vazquez: E-Case #3640; Order effective April 21, 2014.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application an administrative action taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information on the license application;
31A-23a-107 – failure to meet the character requirements for licensing;
31A-23a-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Troy Allen Dyches: E-Case #3639; Order effective October 23, 2014.
Violation: 31A-23a-111(5)(b)(iv) – failure to pay one or more final judgments rendered against you in this state.
License Limitation: License denied

HWM Title Insurance Agency, LLC: E-Case #3638; Order effective October 15, 2014.
Violation: 31A-23a-503(6) – An applicant for qualification as a title insurer, individual title insurance producer, or agency title insurance producer may not be granted a licensed if it reasonably appears that the expected realization of financial profit or gain to be derived in whole or in part from controlled business is or will be a substantial factor in the applicant’s plan of operation or in the ownership or acquisition of financial interests in the applicant by any person who refers the title business.
License Limitation: License denied

Christi Anne Sorrels: E-Case #3637; Order effective October 2, 2014.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing.
31A-23a-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Alma Milford: E-Case #3635; Order effective September 2, 2014.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(xxi)) – Failure to comply with an administrative or court order imposing child support obligation;
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information on the license application;
31A-23a-107 – Failure to meet the character requirements for licensing;
31A-23-111(5)(b)(i) – Unqualified for license.
License Limitation: License denied

Markham L Caldwell: E-Case #3633; Order effective August 11, 2014.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing.
License Limitation: License denied

Kasey Chavez: E-Case #3632; Order effective June 25, 2014.
Violations: 31A-23a-105(2): Failure to report at the time of filing the license application a criminal prosecution taken you.
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information on the license application.
31A-23a-107 – Failure to meet the character requirements for licensing.
31A-23a-111(5)(b)(i) – Unqualified for license.
License Limitation: License denied

Brandon Tuttle: E-Case #3542; Order effective December 15, 2014.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application an administrative action taken against you by another jurisdiction.
31A-23a-107 – Failure to meet requirements for licensing.
31A-23a-111 (5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
License Limitation: License denied

Christopher M. Facer: E-Case #3546; Order effective December 15, 2014.
Violations: 31A-23a-105(2) – Failure to report a criminal prosecution when applying for a resident producer license.
31A-23a-107 – Failure to meet the character requirements for licensing.
31A-23a-111(5) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
License Limitation: License denied

Tamera Sawyer: E-Case #3539; Order effective December 15, 2014.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application an administrative action taken against you by another jurisdiction.
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
31A-23a-111 (5)(b)(xiv) – Convicted of a felony.
31A-23a-111 (5)(b)(i) – Unqualified for a license.
31A-23a-111 (5)(b)(xxiii) – Convicted of a felony involving dishonesty.
License Limitation: License denied

Daniel W. Griggs: E-Case #3509; Order effective October 20, 2014.
Violation: 31A-23a-111(5) – Failure to pay an outstanding judgment within 60 days of the entry of the judgment.
License status: License denied

Gary Crosgrove: E-Case #3451; Order effective June 27, 2014.
Violations: 31A-23a-107(2) – Failure to meet character requirements for licensing.
31A-23a-111(5)(b)(i)) – Unqualified for license
License Limitation: License denied

Dienisha Wright: E-Case #3450; Order effective June 27, 2014.
Violations: 31A-23a-107(2) – Failure to meet character requirements for licensing.
31A-23a-111(5)(b)(i)) – Unqualified for license.
31A-23a-111(5)(b)(iv) – Failure to pay final judgment.
License Limitation: License denied

Laramie Gene Brinker Demott: E-Case #3474; Order effective June 27, 2014.
Violations: 31A-23a-107(2) – Failure to meet character requirements for licensing.
31A-23a-111(5)(b)(xxi)) – Failure to comply with order imposing child support.
License Limitation: License denied

Staheli, Maegan E: E-Case #3461; Order effective May 7, 2014.
Violations: 31A-23a-107 – Failed to meet the character requirements for licensing.
31A-23a-111(5)(b)(i) – Unqualified for a license.
31A-23a-111(5)(b)(iv) – Failure to pay final judgment.
31A-23a-111(5)(b)(xiv) – Convicted of a felony.
License Limitation: License denied

Tom Pitcher: E-Case #3444; Order effective: March 5, 2014
Violations: 31A-23a-105(2) – Failed to report administrative action by another regulatory agency in the State of Utah.
31A-23a-111(5)(b)(ix) – Provided information in license application that was incorrect, misleading, incomplete or untrue.
31A-23a-111(5)(b)(i) – Respondent is unqualified for a license.
31A-23a-111(5)(b)(xxii) – Failed to pay state income tax, or comply with an administrative or court order directing payment of state income tax.
Limitation: Denied

Jamie Kinyon: E-Case #3396; Order effective January 23, 2014.
Violations: 31A-23a-107 – Failed to meet the character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to pay final judgment; and
31A-23a-111(5)(b)(i) – Is unqualified for a license.
License Limitation: License denied

Michael R. Clarke: E-Case #3377; Order effective January 9, 2014.
Violation: 31A-23a-107 – Failure to meet the character requirements.
License Limitation: License denied

Thomas Matthew Shoemake: E-Case #3384; Order effective January 9, 2014.
Violation: 31A-23a-107 – Failure to meet the character requirements.
License Limitation: License denied

Public Letter of Admonition

Christine Stephens: I-Case #64578; Dated December 23, 2014.
Violations: 31A-23a-107 – Failing to safeguard against unauthorized use of the licensees name (license) and the agency name (license) in connection with an event of a client.
Public Letter of Admonition

Susan Gallegos: I-Case #64579; Dated December 23, 2014.
Violations: 31A-23a-107 – Failing to safeguard against unauthorized use of the licensees name (license) and the agency name (license) in connection with an event of a client.
Public Letter of Admonition

Angie D. Flint: I-Case #64580; Dated December 23, 2014.
Violations: 31A-23a-107 – Failing to safeguard against unauthorized use of the licensees name (license) and the agency name (license) in connection with an event of a client.
Public Letter of Admonition

Lenders Risk Management, Inc.: I Case #63576; Dated April 14, 2014.
Violations: 31A-23a-105 – Failure to disclose an administrative action on license application.
Public Letter of Admonition

TAG Insurance: I-Case #62670; Dated February 12, 2014.
Violations: Acting or using an agency name without being licensed:
R-590-154 – Unfair Marketing Practices Rule;
R590-154-7 – Sale, Solicitation, or Negotiation of Insurance.
Public Letter of Admonition

Laurie E. Engle: I-Case #62947; Dated February 3, 2014.
Violations: Conducted services as a Notary Public in violation of:
31A-23a-103(1)(a)&(b) – Utilized the services of an unlicensed individual. A license must include at least one license type and one line of authority pertaining to that license type.
31A-23a-402(1)(a)(i) – Used advertising that would cause a Utah consumer to reasonably believe that the insurance product was state approved and from a governmental agency.
R590-130-6 – Used words or phrases in advertisements that were misleading and deceiving to the general public.
Public Letter of Admonition

2015 Administrative Actions

Insurer Licensees

Settlement Agreement & Consent Order

None

Cease & Desist Order

None

Surrender

Majestic Insurance Company: E-Case #3658; Order effective August 25, 2015.
Violation: 31A-14-216 – Respondent has met all requirements for release from regulation.
License Limitation: COA surrendered

Revocation

Lincoln General Insurance Company: E-Case #3701; Order effective December 10, 2015.
Violation: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

American Medical and Life Insurance Company: E-Case #3626; Order effective July 9, 2015.
Violations: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Freestone Insurance Company: E-Case #3623; Order effective June 5, 2015.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Red Rock Insurance Company: E-Case #3537; Order effective May 8, 2015.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Probation

Southern Utah Title Company of Cedar City: E-Case #3580; Order effective March 16, 2015.
Violation: R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $2,000 ($1,000 suspended pending successful completion of probation).
License Limitation: 6 month probation

Bonneville Superior Title Company Inc.: E-Case #3501; Order effective April 13, 2015
Violations: R592-6-4(6) – Furnishing services not related to title insurance or escrow to a client (Payroll/benefits)
R592-6-4(10) – Co-habitation with a client (Chandler and Associates);
R592-6-4(13) – Paying salary, commissions, or other consideration to an employee (Mark Chandler) who is also a licensed real estate agent;
R592-6-5(7) – conducting continuing education programs at the office of more than one client per calendar quarter;
31A-23a-503 – failure to report controlled business for calendar years 2011, 2012, and 2013.
Forfeiture: $ 45,000 ($22,750 stayed pending successful completion of probation).
License Limitation: 30 days (30 days suspended pending successful completion of probation). Probation 18 months. Respondent’s registration as an insurance continuing education provider is suspended for a period of 6 months. Mark Chandler shall not provide or conduct any insurance continuing education programs for or on behalf of respondent, nor to respondent or its employees.

Aladdin Bail Bonds Utah, LLC: E-Case # 3563; Order effective January 29, 2015.
Violations: 31A-23a-105(2) – Failed to report an administrative action taken by another state; R590-244-4 – Failed to submit electronically to the Department all documents related to reporting the administrative action taken against respondent.
Forfeiture: $750
Limitations: 24 month probation

Suspension

None

Cancellation

Pacific Surety Company, Inc.: E-Case #3662; Order effective July 14, 2015.
31A-5-504 – Respondent has met all requirements for Voluntary dissolution
Limitations: COA cancelled

Forfeiture

UnitedHealthcare Life Insurance Company: E-Case #3698; Order effective November 30, 2015.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2014.
Forfeiture: $750

Security Planning & Insurance Corporation: E-Case #3686; Order effective November 5, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Arches Mutual Insurance Company DBA Arches Health Plan: E-Case #3679; Order effective September 24, 2015.
Violations: 31A-21-201 – Failure to submit Large Group Filings;
31A-23a-402, 31A-22-625 – Respondent issued misleading policy forms to insureds, excluding inpatient mental health coverage.
R590-220-7 – Respondent failed to use unique form identifiers on policy forms.
Forfeiture: $87,000

Humana Insurance Company: E-Case #3666; Order effective September 29, 2015.
Violation: 31A-23a-402(I)(a)(I) – Providing false or misleading information.
Forfeiture: $74,000 with $9,000 stayed and $10,000 Administrative fee

Access Title Company Inc.: E-Case #3624; Order effective June 11, 2015.
Violations: 31A-23a-413 & Admin. Rule R592-11 – Failure to timely file the 2015 Annual and Controlled Business reports for calendar year 2014 by the annual due date of April 30.
Forfeiture: $1,000

Real Advantage Title Insurance Agency, LLC: E-Case #3578; Order effective January 27, 2015.
Violations: 31A-23-415 & R592-10-8–Failure to pay the title assessment for calendar year 2013 by the due date of November 2014.
Forfeiture: $1,000

Southern Utah Title Company of Cedar City: E-Case #3580; Order effective March 16, 2015.
Violation: Admin. Rule R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $2,000 ($1,000 suspended pending successful completion of probation).
License Limitation: 6 month probation

Bonneville Superior Title Company Inc.: E-Case #3501; Order effective April 13, 2015
Violations: R592-6-4(6) – Furnishing services not related to title insurance or escrow to a client (Payroll/benefits)
R592-6-4(10) – Co-habitation with a client (Chandler and Associates);
R592-6-4(13) – Paying salary, commissions, or other consideration to an employee (Mark Chandler) who is also a licensed real estate agent;
R592-6-5(7) – conducting continuing education programs at the office of more than one client per calendar quarter;
31A-23a-503 – failure to report controlled business for calendar years 2011, 2012, and 2013.
Forfeiture: $ 45,000 ($22,750 stayed pending successful completion of probation).
License Limitation: 30 days (30 days suspended pending successful completion of probation). Probation 18 months. Respondent’s registration as an insurance continuing education provider is suspended for a period of 6 months. Mark Chandler shall not provide or conduct any insurance continuing education programs for or on behalf of respondent, nor to respondent or its employees.

ACS Health Administration: E-Case #3574; Order effective May 19, 2015.
Violations: 31A-25-203, 31A-2-202 – Respondent failed to notify the Department of another state’s administrative action, Respondent submitted false information in connection with the license renewal application.
Forfeiture: $500

Humana Health Plan, Inc.: E-Case #3603; Order effective April 8, 2015.
Violations: 31A-25a-203 – Failure to report at the time of filing the license application an administrative action taken against you by another jurisdiction.
Forfeiture: $1,500

Madison National Insurance Company: E-Case #3600; Order effective March 6, 2015.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2014.
Forfeiture: $750

Loyal American Life Insurance Company: E-Case #3610; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

United Teacher Associates Insurance Company: E-Case #3608; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Philadelphia American Life Insurance Company: E-Case #3606; Order effective April 7, 2015.
Violations: R590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2014;
R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2014;
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31, 2014.
Forfeiture: $750

Great American Life Insurance Company: E-Case #3607; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Kanawha Insurance Company: E-Case #3609; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Continental General Insurance Company: E-Case #3611; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Sun Life Assurance Company of Canada: E-Case #3612; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Combined Insurance Company Of America: E-Case #3584; Order effective February 27, 2015.
Violation: R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2014.
Forfeiture: $1,500

Unicare Life & Health Insurance Company: E-Case #3592; Order effective February 27, 2015.
Violations: R 590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2014.
R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2014.
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31,2014.
Forfeiture: $750

Provo Land Title Company: E-Case #3575; Order effective January 23, 2015.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $3,000

AFS Insurance Services, Inc.: E-Case #3538; Order effective February 3, 2015.
Violations: 31A-23a-412 and R590-258 – Failed to update its email address with the Department.
31A-23a-115 – Failed to terminate the association of producers no longer working for the agency.
Forfeiture: $1,000

Acuity, A Mutual Insurance Company: E-Case #3569; Order effective January 22, 2015.
Violations: 31A-23a-402 – Unfair marketing practices. Respondent failed to use their entire legal name on letterhead and business cards.
R590-154-5 – Unfair Marketing Practices Rule.
Forfeiture: $2,000

Public Letter of Admonition

First American Title Insurance Company: I-Case 63753; dated September 29, 2015.
Violations: R592-6-4(15) – Unfair Methods of Competition, Acts and Practices. Providing a thing of value for an activity of a client; permitting its agents to order marketing deemed as unfair methods of competition, acts and practices. Insurer is responsible for its own actions and the actions of its employees and agents.
31A-23-405: – Insurer liability
Public Letter of Admonition


Individual & Agency Licensees

Cease & Desist Order

Craig B. McAllister and Northern Utah Car Credit: E-Case #3705; Order effective December 18, 2015.
Violation: 31A-6b-201 – Prohibits any person from selling, offering to sell, or otherwise providing a guaranteed asset protection waiver to a borrower in Utah unless the person is registered with the Department.
License Limitation: Cease and desist

INVISUS, LLC: E-Case #3697; Order effective December 3, 2015.
Violation: 31A-23a-103 – Prohibits any person from engaging in activities related to soliciting and selling insurance without a license. Invisus offered identity theft products to Utah consumers with the name brand of iDefend, and iDefend Elite, an Order was issued to immediately cease and desist sales of the product offered through Chartis Insurance Company since Invisus LLC is not licensed to sell insurance in Utah.
License Limitation: Cease and desist

Dee Randall: E-Case #3585; Order effective March 5, 2015.
Violation: U.C.A. 31A-23a-103 – Engaged in activities related to soliciting and selling insurance without a valid license.
License Limitation: Cease and desist

Revocation

Doug Clay Pehrson: E-Case #3684; Order effective October 6, 2015.
Violations: 31A-23a-409(1)(a)(d)(I) – Failed to forward collected trust monies to the appropriate payee by the close of the following business day.
31A-23a-409(6) – Diverted and appropriated a portion of the held trust money.
31A-23a-411.1 – Failed to forward bail bond premiums to insurer.
31A-23a-409(1)(a)(d)(i) and 31A-35-603(3)(a)(I)(ii) – Failed to return collateral within ten days.
31A-2-202(4)(a(b)(i)(ii)(iii) – Failed to respond to an inquiry of the Commissioner.
31A-2-202(I)(a)(i)(ii)(iii)(iv)(v) – Failed to cooperate with an investigation of the Department.
31A-23a-107 – Failed to meet the character requirements.
License Limitation: Revoked

Brent A. Hilton and The Hilton Group LLC: E-Case #3650; Order effective August 6, 2015.
Violations: 31A-23a-107(2) – Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

All Area Bail Bonds: E-Case #3620; Order effective May 29, 2015.
Violations: 31A-35-404 – Failed to maintain minimum financial requirements for bail bond surety company license.
License Limitation: Revoked

Leonard Pyatt: E-Case #3596; Order effective April 24, 2015.
Violations: 31A-23a-105(2) – Failed to disclose administrative action in another state.
31A-23a-412(1) – Failed to notify the Department of change in contact information.
31A-2-202 – Failed to respond to an inquiry of the commissioner.
License Limitation: Revoked

Chase Blake: E-Case #3583; Order effective March 19, 2015.
Violations: 31A-31-103 – States that a person commits a fraudulent insurance act if that person, with intent to deceive, knowingly presents to an insurer any written or oral communication that contains false, incomplete, or misleading information concerning any fact material to an application for the issuance of an insurance policy or contract. The respondent violated this statute.
31A-23a-402.5 – Prohibits a producer from inducing a person to enter into an insurance contract by offering a benefit that is not specified in the insurance contract. The respondent violated this statute.
31A-23a-402 – Prohibits producers from making any communication that contains false or misleading information including relating to an insurance contract, including information that is incomplete. The respondent violated this statute.
31A-23a-107 – The respondent’s actions have violated the provision which requires a producer to be of good character and trustworthiness.
License Limitation: Revoked

Ivan Otto Okahara: E-Case #3567; Order effective March 5, 2015.
Violations: 31A-23a-107(2) – Respondent actions show she does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

Commerce Land Title Company: E-Case #3533; Order effective February 12, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the commissioner during the course of an investigation. Respondent, having been properly served with notice of the hearing, failed to either appear in person or through counsel. With no appearance having been received, pursuant to Utah Code Ann. 63G-4-209, the default of the Respondent is hereby entered.
License Limitation: Revoked

Shawn A. Parker: E-Case #3533; Order effective February 12, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the commissioner during the course of an investigation. Respondent, having been properly served with notice of the hearing, failed to either appear in person or through counsel. With no appearance having been received, pursuant to Utah Code Ann. 63G-4-209, the default of the Respondent is hereby entered.
License Limitation: Revoked

Edwin Peterson: E-Case #3550; Order effective January 22, 2015.
Violation: U.C.A.63G-4-209 – Respondent failed to appear either in person or through counsel resulting in a Default Order.
License Limitation: Revoked

Suspension

None

Probation

Shane Christy: E-Case #3745; Order effective October 15, 2015.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
License Limitation: 24 month probation

Kayla Ann Kendall: E-Case #3744; Order effective October 15, 2015.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
License Limitation: 24 month probation

William S. Bennett, Jr.: E-Case #3739; Order effective October 8, 2015.
Violation: 31A-23a-107 – Failure to meet the trustworthy character requirement for licensing
License Limitation: 24 month probation

Keith R. Lamb: E-Case #3738; Order effective September 3, 2015.
Violation: 31A-23a-111(5)(b)(iii) – by selling or offering for sale an unfiled form.
License Limitation: 24 month probation

Rick Dee Kendell: E-Case #3704: Order effective: December 29, 2015.
Violation: 31A-23a-105(2)(b) – Other agency action.
License Limitation: 24 month probation

R. Austin Christensen: E-Case #3703; Order effective: December 22, 2015.
Violation: 31A-23a-105(2)(b) – Other agency action.
License Limitation: 24 month probation

Erin A Pitken: E-Case #3654; Order effective October 5, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state31A-23a-107 – Failure to meet the character requirements for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally, probation 18 months

Boyd L. Casselman: E-Case #3628; Order effective August 5, 2015.
Violations: 31A-23a-103 – Respondent advertised an agency without an agency license;
31A-23a-402, R590-130-6, R590-130-7 and R590-252-5 – Respondent advertised free Medicare educational workshops without disclosing that the workshop was a method of soliciting insurance leads. Respondent did not disclose that he was an insurance agent. Respondent used a senior specific designation which he did not hold.
Forfeiture: $5,000
License Limitation: 12 month probation

Michael Nicolaides: E-Case #3651; Order effective October 5, 2015.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally with 18 month probation

David Edward Caudill: E-Case #3677; Order effective March 19, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to comply with an administrative or court order imposing a child support obligation.
License Limitation: 24 month probation

William Ernesto Guevara: E-Case #3672; Order effective March 30, 2015.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing.
License Limitation: License granted conditionally with 24 month probation

Monique Mondragon: E-Case #3617; Order effective May 29, 2015.
Violations: 31A-23a-107(1)(2)(a)(I)(A) – Failed to meet character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License granted conditionally, 18 month probation

Legacy Insurance and Financial Services: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
License Limitation: 12 month probation

Wayne Gray: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
License Limitation: 12 month probation

Barry C. Orton: E-Case #3580; Order effective March 16, 2015.
Violation: R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $1,000 ($500 suspended pending successful completion of probation).
License Limitation: 6 month probation

Lloyd Coley: E-Case #3559; Order effective May 19, 2015.
Violations: 31A-35-603 (3)(a) – Failed to return collateral within ten days of all fees being paid;
31A-35-608(1)(a)(d) and (2)(b)(I)(ii)(A) – Failed to fill out the appropriate documents correctly;
31A-23a-107(1),(2)(a)(I)(A) – Failed to meet character requirements;
31A-23a-402 (1)(a)(I)(A) – Responsible for bonds containing misleading and incomplete information;
R590-196-4 – Failed to fill out appropriate paperwork, collect and maintain records.
Forfeiture: $6,000
License Limitation: 24 month probation

Celina De La Torre: E-Case #3587; Order effective March 30, 2015.
Violations: 31A-23a-107(2) – Respondent actions show she does not meet character requirements to hold an insurance producer’s license.
License Limitation: License granted conditionally, probation 24 months

Cory Parker Kennah: E-Case #3565; Order effective: March 19, 2015
Violations: 31A-23a-402 – Respondent provided false or misleading information relating to an insurance contract to a Utah consumer;
R590-230-5 – Respondent made an unsuitable annuity recommendation that financially harmed the consumer.
Forfeiture: $6,278, with $5,278 stayed pending reimbursement to consumer for surrender charges incurred.
License Limitation: 12 month probation (effective April 4, 2014 to April 4, 2015)

Jacquan Marshay Waits-Ray: E-Case #3561; Order effective February 24, 2015.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally, 24 month probation

Kaylene Michelle Bowman: E-Case #3570; Order effective February 24, 2015.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally, probation 24 months

Thomas N. Pitcher: E-Case #3568; Order effective February 23, 2015.
Violation: 31A-23a-111(5)(b)(xxii) – Failure to pay state income tax.
License Limitation: Applicant shall fully comply with Monthly Pay Plan Agreement enter into with the Utah State Tax Commission until State tax liability is fully satisfied. Applicant shall not violate any Utah insurance laws, administrative rules or orders of the Commissioner.
Applicant will file and pay all future taxes timely.
24 month probation

Forfeiture

Annette Hoaldridge: E-Case #3700; Order effective December 14, 2015.
Violations: 31A-23a-205 (2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies.
31A-23a-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $1,000

Sony Computer Entertainment America LLC: E-Case #3695; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

International Benefits Administrators LLC: E-Case #3694; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Sony Electronics Inc.: E-Case #3693; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Federal Service Corportation: E-Case #3692; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Armada Corporation: E-Case #3691; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Preferred Care Inc.: E-Case #3690; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Gregory Thomas Smith: E-Case #3653; Order effective August 11, 2015.
Violations: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

David E. Lee: E-Case #3682; Order effective September 22, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Boyd L. Casselman: E-Case #3628; Order effective August 5, 2015.
Violations: 31A-23a-103 – Respondent advertised an agency without an agency license;
31A-23a-402, R590-130-6, R590-130-7 and R590-252-5 – Respondent advertised free Medicare educational workshops without disclosing that the workshop was a method of soliciting insurance leads. Respondent did not disclose that he was an insurance agent. Respondent used a senior specific designation which he did not hold.
Forfeiture: $5,000
License Limitation: 12 month probation

Kraig Moore and Moore Insurance Agency: E-Case #3665; Order effective September 17,2015.
Violations: 31A-23a-103 and R590-154-7 – Respondents solicited insurance without a proper agency license.
Forfeiture: $3,000

Ethan Wayne Selph and Reliable Insurances Inc.: E-Case #3664; Order effective September 24, 2015.
Violations: 31A-23a-102 and 103 – Respondents solicited insurance without a proper agency license.
Forfeiture: $3,000

Cottonwood Title Insurance Agency: E-Case #3648; Order effective September 14, 2015.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – agency designations.
Forfeiture: $1,500

Surety Title Agency: E-Case #3647; Order effective September 14, 2015.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – agency designations.
Forfeiture: $1,500

Statewide Bail Bonding LLC: E-Case #3663; Order effective September 24, 2015.
Violations: 3aA-23a-302 – Failure to designate an individual producer to act on the agency’s behalf.
31A-23a-408 – Failed to appoint an individual to act on behalf of the insurer.
31A-35-402 – Allowed a bail bond producer to issue a bail bond in the state without holding a current designation from a bail bond company.
R590-186-6 – Failure to issue bail bonds through a designated agent.
31A-35-603 – Failed to return the collateral within 10 days after the bond was exonerated.
31A-23a-409 – Did not deposit the money in an authorized account by the close of the next business day.
Forfeiture: $4,000

Polestar Benefits Inc.: E-Case #3661; Order effective September 15, 2015.
Violations: 31A-23a-105 – failed to report an administrative action taken by another state;
R590-244-4 – failed to electronically submit administrative actions taken by another state.
Forfeiture: $750

Superior Bail Bonds: E-Case #3636; Order effective August 4, 2015.
Violations: 31A-2-201 – failure to properly respond to an inquiry of the Commissioner.
License Limitation: License granted conditionally, probation 12 months.
Forfeiture: $500

Insurance TPA.Com, Inc.: E-Case #3634; Order effective August 19, 2015.
Violations: 31A-23a-105 – Failed to report an administrative action taken by another state within 30 days.
R590-244-4 – Failed to electronically submit documentation regarding administrative action to the Department.
Forfeiture: $750

Rebel Bail Bonds Inc.: E-Case #3646; Order effective August 19, 2015.
Violations: 31A-23a-302 – Failed to designate an individual to an agency.
31A-23a-408 – Failed to appoint an individual to act on behalf of the agency.
R590-186-6 – Failed to issue bail bonds only through a licensed bail agent appointed to the insurer.
Forfeiture: $3,000

Casandra Watson: E-Case #3656; Order effective August 17, 2015.
Violations: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Kevin L. Flamm: E-Case #3577; Order effective: June 15, 2015
Violations: 31A-23a-402(1) – Respondent violated statue when consumer was not properly notified that he would incur surrender charges with the replacement of his existing annuity contract.
R590-230-5 – Respondent made an unsuitable annuity recommendation that financially harmed the consumer.
Forfeiture: $6,278, with $5,278 stayed pending Respondent’s full payment of $5,278 to the Estate of Fred Scott Mathews within 30 days of the date of the Order.

Legacy Insurance and Financial Services: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
Probation: 12 months

Wayne Gray: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
Probation: 12 months

AAA Bail Bonds: E-Case #3621; Order effective June 15, 2015.
Violations: 31A-23a-409 – Failed to issue two checks from the trust account but instead used another professional association account.
Forfeiture: $500

Barry C. Orton: E-Case #3580; Order effective March 16, 2015.
Violation: Admin. Rule R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $1,000 ($500 suspended pending successful completion of probation).
License Limitation: 6 month probation

Lloyd Coley: E-Case #3559; Order effective May 19, 2015.
Violations: 31A-35-603 (3)(a) – Failed to return collateral within ten day of all fees being paid;
31A-35-608(1)(a)(d) and (2)(b)(I)(ii)(A) – Failed to fill out the appropriate documents correctly;
31A-23a-107(1),(2)(a)(I)(A) – Failed to meet character requirements;
31A-23a-402 (1)(a)(I)(A) – Responsible for bonds containing misleading and incomplete information;
R590-196-4 – Failed to fill out appropriate paperwork, collect and maintain records.
Forfeiture: $6,000
License Limitation: 24 month probation

Bear Lake Community Health Center: E-Case #3615; Order effective May 13, 2015.
Violation: 31A-8a-201 – Unlicensed health discount program business.
Forfeiture: $3,000

Christie Anne Ellis: E-Case #3613; Order effective April 27, 2015.
Violation: 31A-23a-107 (1)(2)(a) – Character requirements.
Forfeiture: $500

Timios Title Agency of Utah, Inc.: E-Case #3604; Order effective May 11, 2015.
Violation: 31A-19a-209 – Special provisions for title insurance. Respondent failed to file escrow rates and conducted title and escrow business.
Forfeiture: $2,500

Vantage Point Title Agency: E-Case #3614; Order effective May 11, 2015.
Violation: 31A-19a-209 – Special provisions for title insurance. Respondent failed to file escrow rates and conducted title and escrow business.
Forfeiture: $2,500

Michael D. Roberts: E-Case #3598; Order effective March 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Beehive Title Insurance Agency, LC: E-Case #3597; Order effective March 6, 2015.
Violations: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
31A-23a-413 – Failure to file the Annual and Controlled Business reports for calendar year 2013.
31A-23a-415 – Failure to pay the annual title assessment due October 9, 2014.
Forfeiture: $3,250

First American Title Insurance Company: E-Case #3547; Order effective April 13, 2015.
Violation: R592-6 – Title producer cannot provide a client access to any software accounts that utilized to access real property information that the insurer, agency title producer or individual title insurance producer pays for, develops or pays to maintain. Respondent provided clients access to software that accessed real property information.
Forfeiture: $32,500

Scott D. Barker: E-Case #3594; Order Effective March 12, 2015.
Violation: 31A-23a-105 – Failed to report an action taken by another regulatory agency.
Forfeiture: $500

Cory Parker Kennah: E-Case #3565; Order effective: March 19, 2015.
Violations: 31A-23a-402 – Respondent provided false or misleading information relating to an insurance contract to a Utah consumer;
R590-230-5 – Respondent made an unsuitable annuity recommendation that financially harmed the consumer.
Forfeiture: $6,278, with $5,278 stayed pending reimbursement to consumer for surrender charges incurred.
License Limitations: 12 Month Probation (effective April 4, 2014 to April 4, 2015)

Michelle Collup: E-Case # 3595; Order effective March 30, 2015.
Violations: 31A-23a-105 – Failed to report an administrative action taken by another state.
Forfeiture: $1,000.

Hailey F. Eagan: E-Case #3589; Order effective March 16, 2015.
Violations: 31A-23a-103. Requirements of license; Respondent failed to renew individual license and conducted title and escrow services during the time license lapsed.
Forfeiture: $750

Inwest Title Services: E-Case #3588; Order effective March 16, 2015.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $1,500

Patricia Randall: E-Case #3581; Order effective March 4, 2015.
Violation: U.C.A. 31A-23a-103 – Utilized the services of another in the solicitation and sale of insurance.
Forfeiture: $2,500

Rebel Bail Bonds: E-Case #3555; Order effective March 3, 2015.
Violations: 31A-2-202 – Failed to timely file necessary reports with the commissioner.
R590-186-5 – Failed to timely renew insurance license.
Forfeiture: $1,000

Rebel Bail Bonds, Inc.: E-Case #3579; Order effective February 11, 2015.
Violations: 31A-23a-302 – Failed to designate an individual to an agency.
R590-186-6 – Failed to issue bail bonds only through a licensed bail agent appointed to the insurer.
Forfeiture: $10,000

Thad R. Ellis: E-Case #3572; Order effective February 11, 2015.
Violations: 31A-23a-205 (2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies.
31A-23a-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $2,500

Aladdin Bail Bonds Utah, LLC: E-Case #3563; Order effective January 29, 2015.
Violations: 31A-23a-105(2) – Failed to report an administrative action taken by another state; R590-244-4 – Failed to submit electronically to the Department all documents related to reporting the administrative action taken against respondent.
Forfeiture: $750
License Limitation: 24 month probation

Peter Edward Morse: E-Case #3548; Order effective: January 22, 2015
Violation: 31A-2-308 – Violated terms of 24-month probation by failing to comply with terms of 2012 Stipulation and Order in a timely manner.
Forfeiture: $2,500

License Surrendered

Habib Rashadi: E-Case #3689; Order effective November 10, 2015.
License Limitation: Surrendered in lieu of administrative action

Superior Bail Bonds, Jim Elliott: E-Case #3702; Order effective December 7, 2015.
Violations: 31A-2-201 – Failed to provide records requested
31A-2-308 – Violated an order
31A-23a-107 – Failed to follow character requirements
31A-23a-111 – Engaged in conduct of business that endangers legitimate interest of customers and public
31A-23a-412 – Failed to update email address
31A-35-401.5 – Failed to provide additional licensure requirements for principal
31A-35-404 – Failed to provide the minimum financial requirement for bail bond surety company license
31A-35-504 – Failed to pay a judgment of forfeiture
31A-35-601 – Acts of a producer or agent acting in the scope of the bail agency are considered to be acts of the agency
31A-35-604 – Failed to provide records required to be maintained
31A-35-607 – Failed to file forms with correct address
Bulletin 2004-1 – Failure to pay bail bond forfeiture judgment
R590-186-5 – Failed to provide documentation based on financial backing of agency for renewal
R590-186-7 – Willfully misstated material facts in the renewal application
R590-186-9 – Failed to provide financial backing information regarding amount of bonds written
License Limitation: Surrendered in lieu of administrative action

Elliott E. Tupea: E-Case #3696; Order effective: November 23, 2015.
Violation: 31A-2-202 – Failed to promptly reply to a written inquiry from the commissioner.
License Limitation: Surrendered in lieu of administrative action

Steven Clifford Boren: E-Case #3683; Order effective: October 7, 2015.
Violations: 31A-23a-105(2)(b) – Other agency action.
License Limitation: Surrendered in lieu of administrative action

Kindra Sue Sailers: E-Case #3687; Order effective October 6, 2015.
Violations: 31A-2-202 – Failed to promptly reply, and to submit accurate and complete information.
31A-23a-105(2) – Failed to timely report an administrative action taken by another state within 30 days.
31A-23a-111(5)(b)(ii, x, and xviii) – Violated an insurance law of another state’s regulatory agency.
License Limitation: Surrendered in lieu of administrative action

Stephanie Ann Pehrson: E-Case #3657: Order effective August 31, 2015.
Violations: 31A-23a-205 – Failed to be appointed to an authorized bail bond surety company.
31A-35-402 – Failed to be designated to a bail bond company.
31A-35-603 – Failed to return collateral security within 10 days after the bail bond has been exonerated.
31A-23a-409 – Failed to send trust money to the appropriate payee by the close of the next business day.
License Limitation: Surrendered in lieu of administrative action

Steven B. Heinz and Steven B. Heinz & Associates, Inc.: E-Case #3652; Order effective August 19, 2015.
Violations: 31A-23a-107 – The respondent’s actions have violated the provision which requires a producer to be of good character and trustworthiness.
31A-23a-111(5)(b)(xiv) – Convicted of a felony.
License Limitation: Surrendered in lieu of administrative action

Michael E. Logan: E-Case #3649; Order effective August 4, 2015.
Violations: 31A-23a-111 – Revocation, suspension, surrender, lapsing, limiting, or otherwise terminating a license — Rulemaking for renewal or reinstatement.
License Limitation: Surrendered in lieu of administrative action.

Keith Richard Duncan: E-Case #3627; Order effective July 30, 2015.
Violations: 31A-23a-107 – Failure to meet character requirements for licensing.
31A-23a-402.5 – Inducements.
31A-23a-402.8 – Unfair marketing practices.
License Limitation: Surrendered in lieu of administrative action.

Brandon Michael Wenerstrom: E-Case #3629; Order effective July 22, 2015.
Violation: 31A-23a-105(2) Failure to report a criminal prosecution when applying for a resident producer license.
License Limitation: Surrendered in lieu of administrative action.

Nelson Madrill: E-Case #3590; Order effective May 13, 2015.
Violations: 31A-23a-107 – By failing to fill out the required paperwork and collect and maintain records.
License Limitation: Surrendered in lieu of administrative action.

License Denied

Mary Jane Angelina Fakahafua: E-Case #3761; Order effective November 24, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-26-213(5)(b)(xxii) – Failure to pay state income tax;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Talisha Goodrich: E-Case #3762; Order effective November 18, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Laura Holstine: E-Case #3763; Order effective December 21, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Laura Holstine: E-Case #3764; Order effective December 21, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

David Paul Hustead: E-Case #3765; Order effective December 30, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay a state income tax;
31A-23a-111(5)(b)(iv) – Failure to timely pay a final judgment rendered against you in this state;
31A-23a-104 – Committing an act that is a ground for denial, suspension, or revocation as set forth in 31A-23a-105 or 111;
31A-23a-107 – Failure to meet the trustworthy character requirement for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Liza Marrell Neesham: E-Case #3766; Order effective November 24, 2015.
Violations: 31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Sabrina B. Williams: E-Case #3769; Order effective December 1, 2015.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
License Limitation: License denied

Matthew R DeSandre: E-Case #3751; Order effective September 28, 2015.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you
31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Chelsea Marie Freeland: E-Case #3750; Order effective September 24, 2015.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you
31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered against you in this state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

David Jay Eliason: E-Case #3749; Order effective September 24, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay state income tax
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Marcello Maiuri: E-Case #3748; Order effective September 10, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Heidi Roberts: E-Case #3747; Order effective September 8, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Shawn J. Moss: E-Case #3737; Order effective August 28, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Brodey Drake Hood: E-Case #3735; Order effective July 29, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Christi Anne Sorrels: E-Case #3734; Order effective June 26, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Karl Ian Castagne: E-Case #3680; Order effective April 9, 2015.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing;
31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

James B. Kunzler: E-Case #3673: Order effective February 19, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to pay state income tax, or comply with an administrative or court order directing payment of state income tax;
31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered against you in this state,
31A-23a-107 – failure to meet character requirements for licensing,
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Nicole James: E-Case #3671: Order effective March 2, 2015.
Violations: 31A-23a-105(2)(b)&(c) – failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application,
31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered against you in this state,
31A-23a-107(2) – failure to meet character requirements for licensing,
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Brooke Openshaw: E-Case #3670: Order effective April 21, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(iv) – failure to comply with an administrative or court order imposing a child support obligation,
31A-23a-107(2) – failure to meet character requirements for licensing,
31A-23-111(5)(b)(i) – unqualified for a Resident Producer Individual license.
License Limitation: License denied

Brooke Openshaw: E-Case #3669: Order effective April 21, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(iv) – failure to comply with an administrative or court order imposing a child support obligation,
31A-23a-107(2) – failure to meet character requirement for licensing,
31A-23-111(5)(b)(i) – unqualified for a Resident Limited Producer license.
License Limitation: License denied

David Alex Munford: E-Case #3668: Order effective March 24, 2015.
Violations: 31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state,
31A-23a-107(2) – failure to meet character requirement for licensing,
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Maegan E. Staheli: E-Case #3616; Order effective May 29, 2015.
Violations: 31A-23a-107(1)(2)(a)(I)(A) – Failed to meet character requirements for licensing
31A-23a-111(5)(b)(xiv) – Convicted of a felony
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or untrue information on the license application
31A-23a-105(2)(b)(&(c) – Failure to report criminal prosecution
31A-23a-111(5)(b)(iv) – Failure to pay final judgment in this state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Spencer S. Carver: E-Case #3582; Order effective February 26, 2015.
Violations: 31A-23a-111(5)(b)(iv) and(xxi) – Failure to comply with order imposing child support.
31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered against you in this state.
31A-23a-111(5)(b)(xxii) – Failure to pay state income tax.
License Limitation: License denied

Renelle Smith: E-Case #3566; Order effective February 2, 2015.
Violations: 31A-23a-107 – Failed to meet the character requirements for licensing.
31A-23a-111(5)(b)(i) – Is unqualified for a license.
License Limitation: License denied

Public Letter of Admonition

First American Title Insurance Agency, LC: I-Case 63753; dated September 29, 2015.
Violation: R592-6-4(15) – Unfair Methods of Competition, Acts and Practices. Providing a thing of value for an activity of a client.
Public Letter of Admonition

Dan J. Hall: I-Case 65512; Dated June 29, 2015.
Violations: 31A-23a-413/Admin. Rule R592-11 – Failure to timely file the 2015 Annual and Controlled Business reports for calendar year 2014 by the annual due date of April 30. Pursuant to U.C.A. 31A-23a-302(7) an individual producer is held responsible for the actions of the title agency.
Public Letter of Admonition

Teresa Freeland: I-Case 65511; Dated June 29, 2015.
Violations: 31A-23a-413/Admin. Rule R592-11 – Failure to timely file the 2015 Annual and Controlled Business reports for calendar year 2014 by the annual due date of April 30. Pursuant to U.C.A. 31A-23a-302(7), an individual producer is held responsible for the actions of the title agency.
Public Letter of Admonition

Security Title Insurance Agency of Utah, Inc.: I-Case 64727; Dated January 21, 2015.
Violations: 31A-23a-302 – Agency designations;
31A-23a-103 – Requirements of license.
Public Letter of Admonition

2016 Administrative Actions

Insurer Licensees

Settlement Agreement & Consent Order

Hartford Life and Accident Insurance Company, Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company:
Docket No. 2016-100 AD; Order effective August 16, 2016.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Standard Insurance Company:
Docket No. 2016-098 AD; Order effective August 16, 2016.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

AXA Equitable Insurance Company and AXA Equitable Life & Annuity Company, Mony Life Insurance Company, Mony Life Insurance Company of America, U.S. Financial Life Insurance Company:
Docket No. 2016-002 AD; Order effective January 5, 2016
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Brooke Life Insurance Company and Jackson National Life Insurance Company, Jackson National Life Insurance Company of New York:
Docket No. 2016-001 AD; Order effective January 5, 2016
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Cease & Desist Order

Vision Care Direct: E-Case #3773; Order effective May 19, 2016.
Violations: 31A-4-102,103 and 104 – Conducted an unauthorized insurance business.
31A-8a-201(1)(b) – Operated an unlicensed health discount program.
Forfeiture: $4,000
License Limitation: Cease and Desist

Surrender

None

Revocation

None

Probation

None

Suspension

None

Cancellation

None

Forfeiture

Liberty Mutual General Insurance Company: E-Case #3841; Order effective December 13, 2016.
Violations: R590-190-6(2) – Failure to respond within 15 days to requests from its insured; and
R590-190-10(3) – Failure to promptly pay the valid insurance claim within 30 days.
Forfeiture: $10,000

Arnout Global Assurance: E-Case #3817; Order effective October 13, 2016.
Violations: R590-238-6 – Respondent failed to submit annual audits for the years ending 12-31-2014 and 12-31-2015;
31A-37-501(2)(a) – Respondent failed to submit annual report for the year ending 12-31-2015;
R590-238-6 – Respondent failed to maintain an approved captive manager; and
R590-238-20(3)(4) – Respondent failed to pay annual renewal and e-commerce fees for period ending 06-30-2016.
Forfeiture: $10,000 stayed based on the condition that payment of the renewal fee for the period ending June 30, 2016 of $5,300 was paid and voluntary dissolution documents received by the Commissioner.

John Hancock Life & Health Insurance Company: E-Case #3833; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Pacific Life Insurance Company: E-Case #3831; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Senior Health Insurance Company of Pennsylvania: E-Case #3834; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

John Hancock Life Insurance Company: E-Case #3832; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Time Insurance Company: E-Case #3829; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Union Security Insurance Company: E-Case #3836; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Washington National Insurance Company: E-Case #3835; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Country Life Insurance Company: E-Case #3825; Order effective October 3, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

National Health Insurance Company: E-Case #3800; Order effective July 5, 2016.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

United States Fire Insurance Company: E-Case #3799; Order effective August 25, 2016.
Violations: 31A-21-201(1)(a) and (2) – Respondent incorrectly used policy forms filed with the Department;
31A-22-701 and R590-220-6 – Respondent failed to file Utah Accident and Health Insurance Group Questionnaires for eight associations;
31A-22-701(2)(h) and R590-220-6 – Respondent incorrectly certified that the policy filing was compliant with Utah statutes and rules;
31A-23a-402 – Respondent violated Unfair Marketing Practices statutes by failing to supervise the associations and the manner in which the association membership was marketed, as well as the incorrect and incomplete information given to consumers;
31A-23a-103 – Respondent utilized unlicensed producers;
31A-23a-115 – Respondent utilized unappointed producers.
Forfeiture: $172,250

Forethought Life Insurance Company: E-Case #3792; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

Unicare Life & Health Insurance Company: E-Case #3793; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

State Farm Mutual Automobile Insurance Company: E-Case #3794; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

Washington National Insurance Company: E-Case #3795; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

Liberty Mutual General Insurance Company: E-Case #3786; Order effective June 27, 2016.
Violations: R590-190-6 – Respondent failed to timely contact and respond to claimants within 15 days upon notification of a claim;
R590-190-10(2) – Respondent failed to notify the claimant within 30-days after receipt of proof of loss to accept or deny the claim and failed to send the claimant a letter setting forth reasons additional time was needed to investigate the claim every 45 days thereafter.
Forfeiture: $5,000

State Farm Mutual Automobile Insurance Company: E-Case #3787; Order effective June 20, 2016.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2016.
Forfeiture: $750

Unitedhealthcare Life Insurance Company: E-Case #3789; Order effective June 20, 2016.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2016.
Forfeiture: $750

Aetna Health of Utah Inc.: E-Case #3791; Order effective June 20, 2016.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2016.
Forfeiture: $750

CSE Safeguard Insurance Company: E-Case #3781; Order effective June 6, 2016.
Violation: 31A-22-305.3(9) – Failed to timely schedule an arbitration date and tender payment.
Forfeiture: $2,000

Humana Insurance Company: E-Case #3771; Order effective: May 25, 2016.
Violation: 31A-22-613.5(4)(b) and R590-271 – Failed to provide accurate call center data by April 1, 2016.
Forfeiture: $5,000

Humana Medical Plan of Utah: E-Case #3772; Order effective: May 25, 2016.
Violation: 31A-22-613.5(4)(b) and R590-271 – Failed to provide accurate call center data by April 1, 2016.
Forfeiture: $5,000

Casualty Underwriters Insurance Company and Inter-Americas Insurance Corp. Inc.: E-Case #3756; Order effective May 31, 2016.
Violations: 31A-26-303 – Provides that no insurer may engage in any unfair claim settlement practice;
R590-190-11 – Provides that an insurer shall fairly, equitably and in good faith attempt to compensate a claimant for all losses incurred including all applicable taxes, license fees and other fees incident to transfer of evidence of ownership of a comparable automobile.
Forfeiture: $9,500

Vision Care Direct: E-Case #3773; Order effective May 19, 2016.
Violations: 31A-4-102,103 and 104 – Conducted an unauthorized insurance business.
31A-8a-201(1)(b) – Operated an unlicensed health discount program.
Forfeiture: $4,000
License Limitation: Cease and Desist

Unigard Insurance Company: E-Case #3723; Order effective April 19, 2016.
Violations: Rule 590-190-10 – Failed to complete its investigation of a claim within 30 days from proof or loss;
31A-26-303 – Delaying an investigation or payment is an unfair claim settlement practice.
Forfeiture: $2,000

First American Title Insurance Company: E-Case #3731; Order effective March 11, 2016.
Violations: 31A-2-202(6) – Failure to provide complete and accurate information in response to an inquiry of the commissioner.
31A-23a-115(1)(b) – Failure to update company information, such as individual appointments as required by statute.
Forfeiture: $6,500

Ameriplan Corporation: E-Case #3729; Order effective February 22, 2016.
Violations: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

Public Letter of Admonition

None


Individual & Agency Licensees

Cease & Desist Order

Keystone Insurance Services: E-Case #3726; Order effective May 9, 2016.
Violation: 31A-23a-402(1)(a)(i) – Respondent used a misleading website name. An administrative hearing was held. The Administrative Law Judge determined that the website domain name was in violation of Utah statute. Respondent was ordered to cease using the website domain.
License Limitation: Cease and desist

Revocation

Sommer Randall Bowler: E-Case #3844; Order effective: December 21, 2016.
Violations: 31A-23a-111(5)(b)(xiv) and (xv) – Pled guilty to three felony charges involving fraudulent insurance acts.
License Limitation: Revoked

Jeffrey Dee Call: E-Case #3783; Order effective: May 31, 2016.
Violation: 31A-23-107 – In being convicted of a felony involving dishonesty or breach of trust, Respondent demonstrated that he does not meet the character requirements to hold an insurance producer license pursuant to Utah Code.
License Limitation: Revoked

Colin Patrick Terry: E-Case #3759; Order effective June 8, 2016.
Violations: 31A-31-103 – The respondent committed a fraudulent insurance act by adding additional endorsements without the consent of the insured and providing false and misleading information to the insurer;
31A-23a-105, 31A-23a-106 – The respondent failed to disclose a termination for cause when applying for a line of authority with the department;
31A-23a-107 – Requires a producer to be trustworthy and be of good character. The respondent’s actions violated this provision.
License Limitation: Revoked

Gregory Thomas Smith: E-Case #3653; Order effective May 13, 2016.
Violation: U.C.A.63G-4-209 – Respondent failed to appear either in person or through counsel resulting in a Default Order.
License Limitation: Revoked

David E. Lee: E-Case #3682; Order effective April 21, 2016.
Violation: U.C.A.63G-4-209 – Respondent failed to appear either in person or through counsel resulting in a Default Order.
License Limitation: Revoked

Suspension

None

Probation

Rebel Bail Bonds Inc. and Melody Brady: Docket #2015-101 BB, E-Case #3660

Kevin W. King: E-Case #3854; Order effective: December 8, 2016.
Violation: 31A-23a-107 – Requires a producer to be trustworthy and be of good character. The respondent’s actions violated this provision.
License Limitation: Probation 24 months

Brad C. Kuhnhausen: E-Case #3837; Order effective November 8, 2016.
Violations: 31A-23a-402 and 31A-23a-111 – Commissioner is authorized to take action against a licensee who violates Department laws or rules. By signing Agent of Record letters on behalf of consumers, without their authorization, Respondent committed violations, by:
Subsection (xvi)(B) – demonstrating untrustworthiness;
Subsection (xviii)(B) – forging another’s name to a document relating to an insurance transaction; and
Subsection (xxiv) – engaging in a business method or practice that endangers the legitimate interests of customers and the public.
Forfeiture: $2,500
Probation: 6 months

Michael R. Marzo: E-Case #3757; Order effective May 13, 2016.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License granted conditionally, probation 12 months

Fast N Furious Bail Bonds: E-Case #3752; Order effective June 17, 2016.
Violations: 31A-23a-302 – Failure to designate an individual to act on behalf of the agency;
R590-186-6 – Failure to issue bail bonds only through a licensed bail agent appointed to an insurer or designated to a bail bonds surety;
31A-23a-409 and R590-170 – Failure to establish and maintain a trust account and commingling trust monies with personal and business monies.
Forfeiture: $7,000, stay $3,500 pending successful probation
License Limitation: 24-month probation

Citadel Title and Escrow, LLC: E-Case #3777; Order effective May 16, 2016.
Violations: 31A-23a-413 – and Admin. Rule R592-11 – Failure to timely file the 2016 Annual and Controlled Business reports for calendar year 2015 by the annual due date of April 30.
Forfeiture: $1,000
License Limitation: 24-month probation

Zachary Daniel Lovingier and ZDL Holdings DBA Optimized Health Plans: E-Case #3710; Order effective January 13, 2016.
Violations: 31A-23a-103 – Respondent operated an unlicensed insurance agency;
31A-23a-402.5 – Respondent provided gift cards of value in excess of $10 in exchange for insurance quotes.
Forfeiture: $5,000
License Limitation: 12-month probation

Forfeiture

Rebel Bail Bonds Inc. and Melody Brady: Docket #2015-101 BB, E-Case #3660

Break Out Bail Bonds, LLC and Todd Harris: E-Case #3717; Order effective May 31, 2016.
Violations: 31A-35-603 – Failed to keep cash collateral in a trust account;
31A-35-607 – Used a form that had been withdrawn from filing with the Department, and failed to use a form that had been filed; and
R590-244-12(2) – Failed to timely and properly terminate a designation.
Forfeiture: $10,500

Security Title & Abstract Company: E-Case #3824; Order effective September 17, 2016.
Violations: 31A-23a-103 – Requirements of license; and
31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1500

Beehive Bail Bonds: E-Case #3842; Order effective November 29, 2016.
Violations: 31A-23a-302(1) – Failed to designate an individual to an agency;
31A-23a-408 – Failed to appoint an individual to act on behalf of the agency; and
R590-186-6 – Failed to designate an individual to an agency.
Forfeiture: $1,200

Brad C. Kuhnhausen: E-Case #3837; Order effective November 8, 2016.
Violations: 31A-23a-402 and 31A-23a-111 – Commissioner is authorized to take action against a licensee who violates Department laws or rules. By signing Agent of Record letters on behalf of consumers, without their authorization, Respondent committed violations, by:
Subsection (xvi)(B) – demonstrating untrustworthiness;
Subsection (xviii)(B) – forging another’s name to a document relating to an insurance transaction; and
Subsection (xxiv) – engaging in a business method or practice that endangers the legitimate interests of customers and the public.
Forfeiture: $2,500
Probation: 6 months

International Benefits Administrators, LLC: E-Case #3815; Order effective August 25, 2016.
Violations: 31A-23a-105 (2)(b) and (c) – Failed to report an administrative action taken by another state within 30 days;
31A-23a-402 and R590-154-5 – Failed to register an assumed name with the commissioner.
Forfeiture: $2,500

Beehive Bail Bonds, LLC; E-Case #3818; Order effective September 7, 2016.
Violations: 31A-23a-105 and 31A-23a-106 – Failed to have a license type of Resident Producer Organization with the qualification of “Casualty”.
Forfeiture: $1,000.

Aladdin Bail Bonds: E-Case #3809; Order effective August 30, 2016.
Violation: 31A-35-607 – Failed to file a form with the Commissioner.
Forfeiture: $2,500

Martin Murray Ferguson: E-Case #3810; Order effective August 16, 2016.
Violations: 31A-23a-402, R590-130-4, R590-130-6 – Respondent misrepresented association memberships as insurance policies and had misleading advertising on his website.
Forfeiture: $4,500

Kornerstone Administrative Services: E-Case #3796; Order effective August 8, 2016.
Violations: 31A-6a-103 – Respondent issued vehicle protection product warranties without registering 30 days prior to use;
31A-6a-104(2)(b) – Respondent failed to include proper disclosures in its contracts.
Forfeiture: $5,000

First American Title Insurance Agency: E-Case #3788; Order effective June 24, 2016.
Violation: R590-142-6(1) – Respondent, as a Continuing Education Provider failed to record a course completion record for continuing education within fourteen (14) days of the completed course.
Forfeiture: $1,000

MBA Benefit Administrators, Inc.: E-Case #3797; Order effective July 11, 2016.
Violation: 31A-25-201 – Respondent conducted business as a third party administrator without a license.
Forfeiture: $5,000

Arches Title Insurance Agency LLC: E-Case #3776; Order effective May 27, 2016.
Violation: 31A-23a-413 – Respondent failed to file its 2016 Annual and Controlled Business reports by the annual due date of April 30.
Forfeiture: $1,000

Unity Title, LLC: E-Case #3780; Order effective June 7, 2016.
Violations: 31A-23a-413 and 31A-23-415 – Respondent failed to file its 2016 Annual and Controlled Business reports by the annual due date of April 30.
Forfeiture: $1,000

Jim Fink: E-Case #3782; Order effective June 28, 2016.
Violation: 31A-23a-111 – Committed an insurance unfair trade practice or fraud in the conduct of business.
Forfeiture: $2,000

Fast N Furious Bail Bonds: E-Case #3752; Order effective June 17, 2016.
Violations: 31A-23a-302 – Failure to designate an individual to act on behalf of the agency;
R590-186-6 – Failure to issue bail bonds only through a licensed bail agent appointed to an insurer or designated to a bail bonds surety;
31A-23a-409 and R590-170 – Failure to establish and maintain a trust account and commingling trust monies with personal and business monies.
Forfeiture: $7,000, stay $3,500 pending successful probation
License Limitation: 24-month probation

GBS Benefits, Inc.: E-Case #3711; Order effective June 13, 2016.
Violations: 31A-23a-501(2) and 31A-23a-412(2)(b) – Failure to execute non-commission compensation disclosures with clients;
31A-2-201(1) and (6) – Failure to provide accurate and complete responses to the Department;
31A-23a-302 and R590-244-12 – Failure to timely designate agents to the agency license.
Forfeiture: $35,000

Closeline Settlements of UT, LLC: E-Case #3753; Order effective March 28, 2016.
Violations: 31A-23a-415 – and Admin. Rule R592-10 – Failure to pay an assessment when due.
Forfeiture: $1,500

Citadel Title and Escrow, LLC: E-Case #3777; Order effective May 16, 2016.
Violations: 31A-23a-413 – and Admin. Rule R592-11 – Failure to timely file the 2016 Annual and Controlled Business reports for calendar year 2015 by the annual due date of April 30.
Forfeiture: $1,000
Probation: 24 months

Landcar Agency Inc. DBA Total Care Auto: E-Case #3754; Order effective April 26, 2016.
Violations: 31A-6a-103 – Respondent failed to file Vehicle Protection Product (VPP)Warranty’s and issued over 15,000 contracts which may not be issued, sold or offered for sale 30 days prior to use.
31A-6a-104 – Respondent violated the statute when it failed to include proper disclosures in its contracts.
Forfeiture: $10,000

Boulder Administration Services: E-Case #3760; Order effective April 28, 2016.
Violation: 31A-25-201 – Respondent operated an unlicensed Third-Party Administrator.
Forfeiture: $5,000

Zachary Daniel Lovingier and ZDL Holdings DBA Optimized Health Plans: E-Case #3710; Order effective January 13, 2016
Violations: 31A-23a-103 – Respondent operated an unlicensed insurance agency;
31A-23a-402.5 – Respondent provided gift cards of value in excess of $10 in exchange for insurance quotes.
Forfeiture: $5,000
Probation: 12 months

Richard E Davis: E-Case #3755; Order effective April 20, 2016.
Violation: U.C.A. 31A-23a-402 – Provided false and misleading information relating to an insurance product.
Forfeiture: $2,500

Frederick Hawkes: E-Case #3732; Order effective March 10, 2016.
Violations: 31A-23a-205(2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies;
31A-35-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $1,000

Title West: E-Case #3742; Order effective March 30, 2016.
Violations: 31A-23a-103: requirements of license;
31A-23a-302: Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $3,000

Ken Garff Insurance Agency: E-Case #3718; Order effective April 6, 2016.
Violations: 31A-2-308(1)(b) – Respondent failed to designate individuals to act on the agency’s behalf;
31A-23a-302(7)(b) – Respondent negligently supervised a producer.
Forfeiture: $10,000 for its failure to report designated individual producers to the Utah Insurance Commissioner.
Forfeiture: $5,000 for negligently supervising its designated individual producer.

Breaking Bad Bail Bonds: E-Case #3736; Order effective March 15, 2016.
Violation: 31A-35-607 – Failed to use required, filed forms.
Forfeiture: $2,000

Bert J. Christenson: E-Case #3721; Order effective February 18, 2016.
Violation: 31A-23a-205 (2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies.
31A-23a-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $2,500

ISmile, LLC: E-Case #3725; Order effective February 9, 2016.
Violation: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

StoneHaven Dental: E-Case #3724; Order effective February 9, 2016.
Violation: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

Futurity First Insurance Group and Corby Hansen: E-Case #3712; Order effective February 1, 2016.
Violations: 31A-23a-302 – Respondent failed to timely designate agents to agency license;
31A-2-202(6) – respondent failed to submit accurate and complete responses to the Department;
R590-154-8 – respondent represented in marketing material that the Department had approved advertising material;
31A-23a-402(1)(a)(i) – respondents conducted Medicare Informational Workshops as a method of soliciting leads for the sale of insurance. The actions were considered misleading and deceptive and violated Federal Medicare laws.
Forfeiture: $8,750

National Enrollment Services and Howard Labow: E-Case #3685; Order effective January 19, 2016.
Violations: 31A-23a-103 – Unlicensed insurance producer activity.
Forfeiture: $3,000

License Surrendered

Christopher Charles Ferguson, Integrity Insurance Group, Integrity Insurance Advisors: E-Case #3798; Order effective October 4, 2016.
Violations: 31A-31-103 – Engaged in a fraudulent insurance act by submitting applications to the insurer that contained false and misleading information;
31A-23a-402 – Manipulated customer names to obtain a higher score which removed the mandatory underwriting approval in order to bind the policy;
31A-23a-107 – Violated the provision which requires a producer to be of good character and trustworthiness;
31A-23a-301 – Represented agencies that were not licensed with the Department;
31A-23a-409 – Received premium that was not forwarded to the insurer.
License Limitation: Surrendered in lieu of administrative action, the licensee may not apply for any insurance license in the State of Utah within 5 years.

Nathaniel J. Scoffield: E-Case #3775; Order effective July 26, 2016.
Violation: 31A-2-202 – Termination for cause by Insurer.
License Limitation: Surrendered in lieu of administrative action

Hudson Title and Escrow, LLC: E-Case #3778; Order effective June 2, 2016.
Violation: 31A-23a-413 and 31A-23-415 – Respondent failed to file its 2015 and 2016 Annual and Controlled Business reports by the annual due date of April 30;
Respondent failed to pay an assessment when due.
License Limitation: Surrendered in lieu of administrative action

Micah Platt: E-Case #3758; Order effective May 18, 2016.
Violation: 31A-23a-111 – Unqualified for a license
License Limitation: Surrendered in lieu of administrative action

Stephani Flemming Lydic: E-Case #3699; Order effective: February 2, 2016.
Violation: 31A-2-202 – Termination for cause by Insurer.
License Limitation: Surrendered in lieu of administrative action

License Denied

Brian L. Velimirovich: E-Case #3853; Order effective October 24, 2016.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative taken against you by the state of Nevada; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

David Phillip Cardwell: E-Case #3850; Order effective: October 19, 2016.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative taken against you by the state of Florida; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

Scott Ward: E-Case #3851; Order effective: October 19, 2016.
Violations: 31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state; and
31A-23a-111(5)(b)(xxii) – failure to pay state income tax.
Limitation: License denied

Jayson George Cohen: E-Case #3852; Order effective: August 23, 2016.
Violations: 31A-23a-111(5)(b)(ix) –Providing incorrect, misleading, incomplete, or materially untrue information in the license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative taken against you by the State of Nevada; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

Engage Ins LLC: E-Case #3838; Order effective September 21, 2016.
Violations: 31A-23a-105(2)(b) – Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-2-202(4) – Failing to reply to a reasonable written inquiry from the commissioner.
License Limitation: License denied

Shantel L. Fox aka Shantel L. Hatanaka: E-Case #3785; Order effective September 16, 2016.
Violations: 31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Amber Boulton: E-Case #3819; Order effective June 2, 2016.
Violations: 31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-105(2) Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to timely pay state income tax;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Amber Boulton: E-Case #3820; Order effective June 2, 2016.
Violations: 31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-105(2) Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to timely pay state income tax;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Shawn Bruce Brown: E-Case #3821; Order effective June 28, 2016.
Violations: 31A-26-213 (5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-26-203(2)(b) – Failing to report an administrative action taken against you in another jurisdiction;
31A-2-202(4) – Failing to reply to a reasonable written inquiry from the Commissioner.
License Limitation: License denied

Stephen Ivan Wittert: E-Case #3806; Order effective March 15, 2016.
Violations: 31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-26-203(2)(b) – failing to report an administrative action taken against you in another jurisdiction.
License Limitation: License denied

Tyler Jacob Empey: E-Case #3805; Order effective March 18, 2016.
Violations: 31A-23a-111(5)(b)(xiv) – Convicted of a felony;
31A-23a-111(5)(b)(xxiii) – convicted of a felony involving dishonesty in violation of 18 U.S.C. Section 1033 and therefore under 18 U.S.C. Section 1033 is prohibited from engaging in the business of insurance;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-104 – committing an act that is a ground for denial, suspension, or revocation as set forth in 31A-23a-105 or 111;
31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Angelica Maria Lozano: E-Case #3804; Order effective April 11, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-105(2)(b)&(c) – failure to report at the time of filing the license application a criminal action taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(iv) – failure to timely pay final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Talisha Goodrich: E-Case #3803; Order effective April 28, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(xiv) – convicted of a felony;
31A-23a-111(5)(b)(xxiii) – convicted of a felony involving dishonesty in violation of 18 U.S.C. Section 1033 and therefore under 18 U.S.C. Section 1033 is prohibited from engaging in the business of insurance;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(xxi) – failure to comply with order imposing a child support obligation;
31A-23a-104 – committing an act that is a ground for denial, suspension, or revocation as set forth in 31A-23a-105 or 111;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Nikolaos L Paras: E-Case #3802; Order effective May 17, 2016.
Violations: 31A-23a-202(4) – Failure to respond to a reasonable written inquiry from the commissioner;
31A-23a-105(2)(b)&(c) – failure to report within 30 days of final disposition an administrative action taken against you by the state of Indiana;
31A-26-213(5)(b)(ii) – violation of an insurance statute.
License Limitation: License denied

Nikolaos L Paras: E-Case #3801; Order effective May 17, 2016.
Violations: 31A-23a-202(4) – Failure to respond to a reasonable written inquiry from the commissioner;
31A-23a-105(2)(b)&(c) – failure to report within 30 days of final disposition an administrative action taken against you by the state of Indiana;
31A-26-213(5)(b)(ii) – violation of an insurance statute.
License Limitation: License denied

Cynthia Elaine Robertson: E-Case #3767; Order effective February 18, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Cynthia Elaine Robertson: E-Case #3768; Order effective February 18, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Stephen Allen Eicholtz: E-Case #3746; Order effective January 19, 2016.
Violations: 31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
31A-26-203(2)(b) – Failing to report an administrative taken against you in another jurisdiction
License Limitation: License denied

Joshua Pondexter: E-Case #3741; Order effective January 13, 2016.
Violation: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
License Limitation: License denied

Mauricio Melendez: E-Case #3740; Order effective January 14, 2016.
Violations: 31A-23a-111(5)(b)(xxiii) – Having been convicted of a felony involving dishonesty
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Franklin Huggins: E-Case #3707; Order effective January 15, 2016.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(xvi) – Used fraudulent or dishonest practices or demonstrated untrustworthiness or financial irresponsibility in the conduct of business in this state; and
31A-23a-111(5)(b)(xxiv) – Engaged in methods or practices that endangered the legitimate interests of his customers or the public in conducting business.
License Limitation: License denied

Timothy V. Provost: E-Case #3709; Order effective January 28, 2016.
Violations: 31A-23a-111(5)(b)(xvi) – demonstrating untrustworthiness or financial irresponsibility in the conduct of business;
31A-23a-107 – failure to meet the character requirement for licensing;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Public Letter of Admonition

Gallagher Benefit Services, Inc.: I-Case #68081; dated December 19, 2016.
Violation: 31A-23a-103 and 31A-23a-402 – An individual licensee may not advertise as a consultant without a consultant license. Respondent’s marketing material was misleading.
Public Letter of Admonition

Arla Jean Huck: I-Case #67793; dated October 17, 2016.
Violation: 31A-23a- 402(8) – An individual licensee may not engage in any unfair or deceptive acts or practices in the business of insurance.
Public Letter of Admonition

Jose Ornelas: I-Case #67258; dated May 23, 2016.
Pursuant to 31A-23a-302(7) – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 Annual and Controlled Business Reports by the annual due date of April 30.
Public Letter of Admonition

John V. Mayer: I-Case #67260; dated May 25, 2016.
Pursuant to 31A-23a-302(7) – An individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 Annual and Controlled Business Reports by the annual due date of April 30.
Public Letter of Admonition

Jamie L. Hudson: I-Case #67217; dated May 19, 2016.
Pursuant to 31A-23a-302(7) – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 and 2015 Annual and Controlled Business Reports by the annual due date of April 30;
31A-23a-415 – Failure to pay an assessment when due.
Public Letter of Admonition

Michael P. Chabries: I-Case #67217; dated May 19, 2016.
Pursuant to 31A-23a-302(7) – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 and 2015 Annual and Controlled Business Reports by the annual due date of April 30;
31A-23a-415 – Failure to pay an assessment when due.
Public Letter of Admonition

AAA Bail Bonds: I-Case #67240; Dated June 3, 2016.
Violations: 31A-35-402 – Allowed a bail bond producer to issue a bail bond in the state without holding a current designation from a bail bond company;
R590-186-6 – Failure to issue bail bonds through a designated agent.
Public Letter of Admonition

Lydolph & Weierholt Title Insurance Agency: I-Case 67263; dated May 24, 2016.
Violations: 31A-23a-413 – Failure to file the 2016 Annual and Controlled Business Reports for calendar year 2015, by the annual due date of April 30;
Admin. Rule R592-11 – Annual and Controlled Business Report filing requirements.
Public Letter of Admonition

Paul Lydolph: I-Case 67263; dated May 24, 2016.
Pursuant to 31A-23a-302(7), – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 – Failure to file the 2016 Annual and Controlled Business Reports for calendar year 2015, by the annual due date of April 30;
Admin. Rule R592-11 – Annual and Controlled Business Report filing requirements.
Public Letter of Admonition

Old Republic National Title Insurance Company: I-Case 66813; dated March 14, 2016.
Violations: 31A-23a-115 – Appointment of individual and agency insurance producer, limited line producer, or managing general agent – Reports and list;
Admin. Rule R592-244-4 Requirement to electronically submit license applications, appointments, designation, and license amendments. Old Republic National Title Insurance Company failed to reappoint TitleFirst Title Insurance Agency company appointment.
Public Letter of Admonition