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

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

David H. and Kathy Swift: E-Case #3425; Order effective May 9, 2017.
Violation: 31A-23a-111(5)(b)(iv) — Failure to pay a final judgment rendered against you in this state.
Forfeiture: $1,000
License Limitation: 24 month probation
Notice of Enforcement of Rowley Judgment Payment

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

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.
License Limitation: Surrendered in lieu of administrative action.

Adrian Rand Robison: E-Case #3392; Order effective: April 17, 2014.
License Limitation: Surrendered in lieu of administrative action.

A. Russell Robison: E-Case #3393; Order effective April 17, 2014
License Limitation: Surrendered in lieu of administrative action

Brian Young Horne: E-Case #3388; Order effective: January 28, 2014.
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

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

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.

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.
License Limitation: Surrendered in lieu of administrative action

Elliott E. Tupea: E-Case #3696; Order effective: November 23, 2015.
License Limitation: Surrendered in lieu of administrative action

Steven Clifford Boren: E-Case #3683; Order effective: October 7, 2015.
License Limitation: Surrendered in lieu of administrative action

Kindra Sue Sailers: E-Case #3687; Order effective October 6, 2015.
License Limitation: Surrendered in lieu of administrative action

Stephanie Ann Pehrson: E-Case #3657: Order effective August 31, 2015.
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.
License Limitation: Surrendered in lieu of administrative action

Michael E. Logan: E-Case #3649; Order effective August 4, 2015.
License Limitation: Surrendered in lieu of administrative action.

Keith Richard Duncan: E-Case #3627; Order effective July 30, 2015.
License Limitation: Surrendered in lieu of administrative action.

Brandon Michael Wenerstrom: E-Case #3629; Order effective July 22, 2015.
License Limitation: Surrendered in lieu of administrative action.

Nelson Madrill: E-Case #3590; Order effective May 13, 2015.
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

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

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

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

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

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

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

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

Darren Ray Brady: E-Case #3660; Order effective October 24, 2016.
License Limitation: Surrendered in lieu of administrative action

Christopher Charles Ferguson, Integrity Insurance Group, Integrity Insurance Advisors: E-Case #3798; Order effective October 4, 2016.
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.
License Limitation: Surrendered in lieu of administrative action

Hudson Title and Escrow, LLC: E-Case #3778; Order effective June 2, 2016.
License Limitation: Surrendered in lieu of administrative action

Micah Platt: E-Case #3758; Order effective May 18, 2016.
License Limitation: Surrendered in lieu of administrative action

Stephani Flemming Lydic: E-Case #3699; Order effective: February 2, 2016.
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

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

2017 Administrative Actions

Insurer Licensees

Settlement Agreement & Consent Order

Old Republic Insurance Company:
Docket No. 2017-116 AD; Order effective June 23, 2017.
The Utah Insurance Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) adhere to licensing laws of each participating state; 2) cease offering sales through a trust in states whose laws do not authorize such sales; 3) comply with rate transparency by complying with the Merlinos Actuarial Report which contains Forward Looking Guidelines for rate filings; 4) pre-existing condition claims will be adjudicated based on the laws of each state , and that pre-existing waivers will waive all pre-existing conditions; 5) cease prohibiting the use of opt-out sales practices unless such sales are authorized under state law; and 6) cease prohibiting the use of bundling in states whose laws prohibit the practice and will comply with required disclosures in states that permit bundling.

State Farm Life Insurance Company, State Farm Life Accident Assurance Company, and State Farm Annuity and Life Assurance Company (aka) State Farm Health Insurance Company:
Docket No. 2017-113 AD; Order effective November 1, 2017.
The Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issue : concerns regarding the adequacy and timeliness of the Companies policies and procedures to (1) identify potentially deceased insureds, annuitants, annuity contract owners and retained asset account holders; (2) locate and pay beneficiaries when the State Farm companies may have knowledge that an insured has died but no claim has been filed; and (3) handle other areas related to claims settlement and practices and management of unclaimed property.

Transamerica Casualty Insurance Company:
Docket No. 2017-110 AD; Order effective December 15, 2017.
The Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) adhere to licensing laws of each participating state; 2) cease offering sales through a trust in states whose laws do not authorize such sales; 3) comply with rate transparency by complying with the Merlinos Actuarial Report which contains Forward Looking Guidelines for rate filings; 4) pre-existing condition claims will be adjudicated based on the laws of each state , and that pre-existing waivers will waive all pre-existing conditions; 5) cease prohibiting the use of opt-out sales practices unless such sales are authorized under state law; and 6) cease prohibiting the use of bundling in states whose laws prohibit the practice and will comply with required disclosures in states that permit bundling.

Berkshire Hathaway:
Docket No. 2017-108 AD; Order effective December 12, 2017.
The Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) adhere to licensing laws of each participating state; 2) cease offering sales through a trust in states whose laws do not authorize such sales; 3) comply with rate transparency by complying with the Merlinos Actuarial Report which contains Forward Looking Guidelines for rate filings; 4) pre-existing condition claims will be adjudicated based on the laws of each state , and that pre-existing waivers will waive all pre-existing conditions; 5) cease prohibiting the use of opt-out sales practices unless such sales are authorized under state law; and 6) cease prohibiting the use of bundling in states whose laws prohibit the practice and will comply with required disclosures in states that permit bundling.

American Modern Home Insurance Company:
Docket No. 2017-107 AD; Order effective December 11, 2017.
The Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) adhere to licensing laws of each participating state; 2) cease offering sales through a trust in states whose laws do not authorize such sales; 3) comply with rate transparency by complying with the Merlinos Actuarial Report which contains Forward Looking Guidelines for rate filings; 4) pre-existing condition claims will be adjudicated based on the laws of each state , and that pre-existing waivers will waive all pre-existing conditions; 5) cease prohibiting the use of opt-out sales practices unless such sales are authorized under state law; and 6) cease prohibiting the use of bundling in states whose laws prohibit the practice and will comply with required disclosures in states that permit bundling.

Jefferson Insurance Company:
Docket No. 2017-106 AD; Order effective December 12, 2017.
The Utah Insurance Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) adhere to licensing laws of each participating state; 2) cease offering sales through a trust in states whose laws do not authorize such sales; 3) comply with rate transparency by complying with the Merlinos Actuarial Report which contains Forward Looking Guidelines for rate filings; 4) pre-existing condition claims will be adjudicated based on the laws of each state , and that pre-existing waivers will waive all pre-existing conditions; 5) cease prohibiting the use of opt-out sales practices unless such sales are authorized under state law; and 6) cease prohibiting the use of bundling in states whose laws prohibit the practice and will comply with required disclosures in states that permit bundling.

BCS Insurance Company:
Docket No. 2017-105 AD; Order effective December 12, 2017.
The Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) adhere to licensing laws of each participating state; 2) cease offering sales through a trust in states whose laws do not authorize such sales; 3) comply with rate transparency by complying with the Merlinos Actuarial Report which contains Forward Looking Guidelines for rate filings; 4) pre-existing condition claims will be adjudicated based on the laws of each state , and that pre-existing waivers will waive all pre-existing conditions; 5) cease prohibiting the use of opt-out sales practices unless such sales are authorized under state law; and 6) cease prohibiting the use of bundling in states whose laws prohibit the practice and will comply with required disclosures in states that permit bundling.

QBE Holdings Inc.:
Docket No. 1017-101 AD; Order effective November 22, 2017.
The Department adopts and approves the Multi-State Regulatory Settlement Agreement on the following issues: 1) force-placed hazard insurance rates were likely excessive on a “countrywide” basis and the premium produced by these rates exceeded losses and legitimate expenses; and 2) this “surplus premium” appears to have been used to fund rebates to QBE’s mortgage servicer clients worth hundreds of millions of dollars.

Cease & Desist Order

None

Surrender

None

Revocation

Morgan Insurance Company: E-Case #3865; Order effective March 7, 2017.
Violations: 31A-16-103 – Failed to notify and seek approval for changes in initial ownership;
31A-37-501(2)(a), R590-238-4 – Failed to submit annual report;
R590-238-2 – Changed information submitted in the Initial Application and failed to notify Department within 60 days;
R590-238-4 – Failed to file Statement of Actuarial Opinion;
R590-238-6 – Failed to timely submit annual audits;
R590-238-13 – Failed to maintain an approved captive manager; and
R590-102-18(1)(b), R590-202-8(3), R590-238-20(3)(4) – Failed to pay annual renewal and e-commerce fees.
License Limitation: Revoked
Forfeiture: $5,300

Probation

None

Suspension

None

Cancellation

None

Forfeiture

Engineered Polymer Solutions Inc., DBA Guardsman: E-Case #3883; Order effective December 28, 2017.
Violations: 31A-6a-103(2)(c) and (d), and R590-225-5(1) and 7(1)(b) – Used unfiled forms, used modified or replaced forms without filing and without filing 30 days prior, used form numbers that differed from form filing submissions;
31A-21-201(2), and R590-225-4(1), 5(2), 6((5)(a)(i), and (7)(1) – Submitted one falsely certified form, and failed to certify one form;
31A-6a-106(1), and R590-225-4(b), 5(1), and 7(1) – Failed to maintain required records;
31A-2-202(6), and R590-225-5 – False, misleading, or incomplete information to the Commissioner; and
31A-23a-402(1)(a), and R590-225-5 – False, misleading, or incomplete information in relation to insurance.
Forfeiture: $16,500

Allstate Fire and Casualty Insurance Company: E-Case #3932; Order effective September 20, 2017.
Violation: R590-190-10(3) – Failure to provide a claim payment within 30 days.
Forfeiture: $4,000

American Family Mutual Insurance Company: E-Case #3935; Order effective September 21, 2017.
Violation: 31A-23a-201 – Filing of Forms: Respondent mailed 43,903 endorsements to policyholders in Utah, utilizing language that violates administrative rule.
Forfeiture: $39,400

Universal Fire & Casualty Insurance Company: E-Case #3936; Order effective September 28, 2017.
Violations: 31A-21-201 and 31A-35-607 – Respondent used unfiled forms;
31A-23a-402 – Respondent provided false and misleading information to the Department.
Forfeiture: $7,500

United Services Automobile Association: E-Case #3931; Order effective Sep. 20, 2017.
Violation: 31A-26-303(3) – Unfair claims settlement practice.
Forfeiture: $2,000

Select Home Warranty LLC: E-Case #3922; Order effective August 24, 2017.
Violations: 31A-6a-103 and 31A-2-202 – Failed to properly register with the Department prior to selling home service contracts;
31A-19a-203 – Failed to file rates prior to selling home service contracts; and
31A-2-202 – Failed to submit a copy of its service contract reimbursement policy, application fee, and copy of service contract before selling home service contracts to Utah residents.
Forfeiture: $17,000

Geico Casualty Company: E-Case #3917; Order effective July 19, 2017.
Violation: R590-190-11(12) – Failed to provide reasonable written notice to claimant prior to termination of payment for auto storage charges.
Forfeiture: $3,000

United States Fire Insurance Company: E-Case #3915; Order effective July 12, 2017.
Violations: 31A-21-201 – Respondent used unfiled rates and forms;
31A-43-302, R590-268-8 – Respondent failed to file their annual actuarial memorandums for 2014, 2015, & 2016;
31A-43-301(1)(g) – Respondent used non-compliant provision as to payment of claims;
31A-43-301(1)(f) – Respondent’s policy forms failed to include aggregate attachment points;
31A-43-301(1) – Respondent used limitations and exclusions that did not align with the employer’s health benefit plan; and
31A-2-202(6) – Respondent provided false and misleading information to the Department
Forfeiture: $67,500

United Services Automobile Association: E-Case #3914; Order effective July 5, 2017.
Violations: 31A-26-303(3) and R590-190-10(3) – Delay in claim handling and payment.
Forfeiture: $3,000

United Automobile Insurance Company: E-Case #3882; Order effective June 30, 2017.
Violations: 31A-26-303 – Respondent failed to settle third-party claims within 30 days of receiving written proof of loss in violation of unfair claim settlement practices; and
R590-190-10(3) – Failed to apply minimum standards for prompt, fair and equitable settlements.
Forfeiture: $30,000

Guarantee Trust Life Insurance Company: E-Case #3861; Order effective May 12, 2017.
Violation: R590-220-9 – Respondent failed to file the Utah Accident and Health Insurance Group Questionnaires for five association groups.
Forfeiture:$12,500

Allstate Fire and Casualty Insurance Company: E-Case #3873; Order effective March 31, 2017.
Violations: R590-190-11(9) – Did not timely issue a loss of use payment to the claimant.
Forfeiture: $4,000

Liberty Mutual Ins.: E-Case #3858; Order effective February 2, 2017.
Violations: R590-121-5 – Failed to adequately document justifications as to why debits were applied in its rate modifications.
Forfeiture: $5,000

Public Letter of Admonition

American Family Ins. Co.: I-Case #68363; dated May 9, 2017.
Violation: 31A-26-303 – Failing to adopt and implement reasonable standards for the prompt investigation and pay a claim timely.
Public Letter of Admonition

ACCC Insurance Co.: I-Case #68362; dated April 25, 2017.
Violation: R590-190-10 – Failing to adopt reasonable standards for a prompt investigation and notify the insured of the status of the claim.
Public Letter of Admonition

Individual & Agency Licensees

Cease & Desist Order

Skinny Wimp Moving Company: E-Case #3953; Order effective 02-15-2018.
Violation: 31A-23a-103 (1)(a) – Unless exempted from the license requirement under section 31A-23a-201 or 31A-23a-207, a person may not perform, offer to perform, or advertise any service as a producer, surplus lines producer, limited lines producer, consultant, managing general agent, or reinsurance intermediary in Utah, without a valid individual or agency license issued under this chapter.
Forfeiture: Cease and desist

Revocation

Best Bail Bonds: E-Case #3879; Order effective July 5, 2017.
Violations: 31A-35-504 (2)(a)(i) Failed numerous times to pay bail bond forfeiture judgments within fifteen (15) days of receiving notice from the prosecutor’s office of the court’s entry of forfeiture judgment;
31A-35-504(1)(b) Failed numerous times to satisfy bail bond forfeiture judgments within five (5) days of receipt of notice;
31A-23a-111A(5)(b)(i) Failed to demonstrate trustworthiness and competence by not paying the required bail bond forfeitures;
31A-23a-111(5)(b)(ii)(C) Violated a Mandatory Order of the Commissioner;
31A-23a-111(5)(iv) Failed to pay a final judgment within 60 days;
31A-23a-111(5)(xvi)(B) Demonstrated financial irresponsibility; and
31A-23a-111(5)(xxiv) Engaged in a method or practice in the conduct of bail bond business that endangered the legitimate interests of the customers and the public.
License Limitation: Revoked

Ace Bail Bonds: E-Case #3874; Order effective May 1, 2017.
Violations: 31A-35-504 Failed to satisfy two bail bond forfeiture judgments within five (5) days of receipt of notice; and
31A-35-504(5) Failed to pay the forfeiture amounts and notify the Utah Insurance Department that the forfeiture amounts had been paid.
License Limitation: Revoked

Suspension

Ace Bail Bonds: Mandatory Suspension Order; Order effective January 18, 2017.
Violations: 31A-35-504(3) – Failed to satisfy two bail bond forfeitures.
License Limitation: Suspended for a minimum of 14 business days for failure to satisfy two bail bond forfeiture judgments

Probation

Gateway Title Insurance Agency: E-Case #3823; Order effective November 15, 2017.
Violations: 31A-23a-402(2)(a)(iv) – Cannot provide material inducement; and
31A-23a-406(3)(b) and (c) – Must use money in escrow solely to fulfill the terms of the individual escrow.
Forfeiture: $17,500
License Limitation: 12 months probation

Cory Giles: E-Case #3988; Order effective September 14, 2017.
Violation: 31A-23a-111 (5)(b)(xvi) Demonstrated untrustworthiness or financial irresponsibility in the conduct of business.
License Limitation: 24 months probation

Scott Dirk Christensen and Alliance Group Inc.: E-Case #3947; Order effective November 17, 2017.
Violations: 31A-23a-402(2) – Induced consumer into continuing an insurance contract by paying premiums on behalf of the insured;
31A-21-104 – Insurable interest and consent. Respondent violated when he tried to transfer ownership of the policy to his agency and tried to name himself as beneficiary of the policy; and
31A-2-202 – Reports and replies. Respondent failed to provide the department with certain information regarding the investigation.
Forfeiture: $2,500
License Limitation: 24 months probation

Get Me Out Inc.: E-Case #3938; Order effective October 18, 2017.
Violations: 31A-35-603 and 608 – Failed to take and keep records of expenses incurred in searching for a client after a breach of the contract; and
31A-23a-409 – Commingling of funds.
Forfeiture: $5,000
License Limitation: 3 months probation

Juab Title: E-Case #3822; Order effective June 28, 2017.
Violation: R592-6-4(21)(a) – Respondent provided title and escrow services on real property where an existing or anticipated investment loan or financing has been or will be provided by said title insurance producer; and
R592-6-4(10) – Respondent shared office space with a client (co-habitation).
Forfeiture: $6,666.67
License Limitation: 24 months probation

Marry Lou Sperry: E-Case #3822; Order effective June 28, 2017.
Violation: R592-6-4(21)(a) – Respondent provided title and escrow services on real property where an existing or anticipated investment loan or financing has been or will be provided by said title insurance producer; and
R592-6-4(10) – Respondent shared office space with a client (co-habitation).
Forfeiture: $6,666.67
License Limitation: 24 months probation

Craig Sperry: E-Case #3822; Order effective June 28, 2017.
Violation: R592-6-4(21)(a) – Respondent provided title and escrow services on real property where an existing or anticipated investment loan or financing has been or will be provided by said title insurance producer; and
R592-6-4(10) – Respondent shared office space with a client (co-habitation).
Forfeiture: $6,666.67
License Limitation: 24 months probation if license is reinstated

Landcar Agency DBA Total Care Auto; E-Case #3880; Order effective June 16, 2017.
Violations: 31A-6a- 103, – Respondent continued to sell Vehicle Protection Products coupled with Identity Theft Protection which is not defined as a VPP product;
31A-23a-103(1)(c) – Unlicensed producers were utilized to sell Guaranteed Asset Protection Waivers;
31A-23a-302 – Failure to designate limited line producers to act on behalf of the agency;
31A-23a-110 – Doing business under another name than the licensee’s legal name; and
R590-130-6 – The format and content of an insurance advertisement shall be sufficiently complete and clear to avoid deceiving or misleading the reader, viewer or listener. Identity Theft Protection was advertised as a benefit coupled with Vehicle Protection Product on its website.
License Limitation: 12 months probation
Forfeiture: $229,000

Forfeiture

Security Title Company of Beaver County: E-Case #3908; Order effective June 20, 2017.
Violations: R592-11 – Respondent failed to file their annual and controlled business reports for calendar year 2016.
Forfeiture: $1,000

Action Title Company: E-Case #3889; Order effective June 13, 2017.
Violations: R592-11 – Respondent failed to file their annual and controlled business reports for calendar year 2016.
Forfeiture: $1,000

B & B Bail Bonds: E-Case #3949; Order effective November 15, 2017.
Violations: 31A-35-607(b)(ii) – Failed to list their email address on all forms required to be filed with the department; and
31A-35-607(2) – Failed to file forms 30 days before use.
Forfeiture: $5,000

Beehive Bail Bonds: E-Case #3943; Order effective December 6, 2017.
Violations: 31A-35-402 – Engaged in the business of selling “cash only” bail contracts;
31A-35-607(1)(a)(c) – Used forms filed under bail authority to secure “cash only” bail contracts; and
31A-23a-402 – Led customers to believe that Respondent’s bail license allowed the sale of “cash only” bail contracts.
Forfeiture: $8,000

Elite Warranty/Marathon: E-Case #3942; Order effective October 26, 2017.
Violation: 31A-6a-103(2) – Failed to register as a service provider and failed to wait 30 days prior to using filed forms.
Forfeiture: $10,000

Legacy RV Center: E-Case #3926; Order effective August 30, 2017.
Violations: 31A-6b-201 and 31A-23a-103 – Selling guarantee asset protection waiver insurance without a license.
Forfeiture: $4,000

Kornerstone Administrative Services: E-Case #3930; Order effective September 27, 2017.
Violations: 31A-6a-103 – Respondent sold vehicle protection products that were not compliant with state statute.
Forfeiture: $10,000

Century Benefits, LLC: E-Case #3928; Order effective September 20, 2017.
Violations: 31A-23a-103 – Requirements of license; and
31A-23a-302 – Agency Designations: Respondent allowed unlicensed and unassociated producers to conduct insurance business on behalf of the agency.
Forfeiture: $26,250

Toyota Bountiful: E-Case #3927; Order effective Sep. 19, 2017.
Violation: 31A-6b-201(1) – Sold guaranteed asset protection waiver without a limited line producer license.
Forfeiture: $6,000

YourPeople Inc., dba Zenefits FTW Insurance Services: E-Case #3925; Order effective Aug. 30, 2017.
Violations: 31A-23a-103 & Utah Administrative Rule R590-244-5 – Failed to use a properly licensed person to conduct insurance business; and
31A-23a-301 & 31A-23a-408 – Agency failed to properly designate and contract with individuals, with an individual license, to act on behalf of the agency for business conducted in Utah.
Forfeiture: $125,000

Ryan Bennett Edwards: E-Case #3923; Order effective July 25, 2017.
Violations: 31A-2-202(1) – Failure to cooperate;
31A-2-202(4) – Failure to reply promptly in writing to a reasonable written inquiry;
31A-2-202(6) – Failure to submit accurate and complete information; and
31A-23a-412 and R590-258 – Failure to register and maintain valid address and email address.
Forfeiture: $6,000

Gallagher Bassett Services: E-Case #3924; Order effective Aug. 3, 2017.
Violations: 31A-26-303 – Failed to acknowledge and act promptly upon an insurance claim when Respondent delayed four months before sending a denial letter to the claimant.
Forfeiture: $1,500

A Sportsman’s Bail Bonds: E-Case #3920; Order effective July 27, 2017.
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
31A-35-402(2) – Failed to designate an individual to an agency.
Forfeiture: $500

Javier Ponce De Leon and Javier Ponce De Leon Insurance Agency Inc.: E-Case #3869; Order effective July 26, 2017.
Violations: 31A-31-103, 31A-23a-402, and 31A-23a-111 – Respondents committed multiple fraudulent insurance acts by forging multiple vehicle bills of sale and then submitting the forged bills of sale to the insurance carrier, along with insurance applications in an attempt to override the need to provide prior proof of insurance; and
31A-23a-302 and R590-244-5 – Respondents failed to designate producers to act on the agency’s behalf and allowed non-licensed individuals to quote and write new insurance business.
Forfeiture: $16,000

Coalition Title Agency: E-Case #3912; Order effective June 9, 2017.
Violation: 31A-23a-413, 31A-23a-503(8) and R592-11-3 – Failure to timely file annual controlled business report.
Forfeiture: $1,000

First Title of Utah Inc.: E-Case #3896; Order effective June 9, 2017.
Violation: 31A-23a-413, 31A-23a-503(8) and R592-11-3 – Failure to timely file annual controlled business report.
Forfeiture: $1,000

All Out Bail Bonds: E-Case #3885; Order effective June 06, 2017.
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
31A-35-402(2) – Failed to designate an individual to an agency.
Forfeiture: $500

Action Title Company Inc.: E-Case #3889; Order effective June 9, 2017.
Violation: 31A-23a-413, 31A-23a-503(8) and R592-11-3 – Failure to timely file annual controlled business report.
Forfeiture: $1,000

Reltco of Utah LLC; E-Case #3906; Order effective June 9, 2017.
Violation: 31A-23a-413, 31A-23a-503(8) and R592-11-3 – Failure to timely file annual controlled business report.
Forfeiture: $1,000

Infinity Title Insurance Agency LLC: E-Case #3898; Order effective June 9, 2017.
Violation: 31A-23a-413, 31A-23a-503(8) and R592-11-3 – Failure to timely file annual controlled business report.
Forfeiture: $1,000

Linear Title Agency of Utah LLC: E-Case #3872; Order effective May 8, 2017.
Violation: 31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed.
Forfeiture: $1,000

Commercial & Residential Title Insurance Agency Inc.: E-Case #3893; Order effective June 9, 2017.
Violation: 31A-23a-413, 31A-23a-503(8) and R592-11-3 – Failure to timely file annual controlled business report.
Forfeiture: $1,000

BNT of Utah LLC: E-Case #3878; Order effective April 13, 2017.
Violation: 31A-19a-2019(2) – Conducted escrow without having filed rates.
Forfeiture: $1,500

HTK Insurance Agency: E-Case #3870; Order effective April 13, 2017.
Violation: 31A-23a-105(2) – Failed to report administrative actions from other states and by another regulatory agency.
Forfeiture: $1,500

Action Immigration Bonds and Insurance Services, Inc.: E-Case #3881; Order effective April 28, 2017.
Violations: 31A-23a-402.5 – Paid referral fees to agents who did not hold the qualifications of casualty and property;
31A-23a-402 – Charged yearly management fee, but advertised that an annual renewal fee was not charged;
31A-23a-402 and R590-154.5 – Used a business name that implied an association with an organization that does not exist.
Forfeiture: $18,000

Wasatch Title Insurance Agency, LLC: E-Case #3871; Order effective March 23, 2017.
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

Heritage Title Insurance Agency, Inc.: E-Case #3866; Order effective March 8, 2017.
Violation: R592-6-4(13) – Paid salary to an active real estate agent while licensed as a Title Escrow Producer.
Forfeiture: $2,000

Real Advantage Title Insurance Company: E-Case #3845; Order effective January 30, 2017.
Violations: 31A-23a-103 – Requirements of license;
31A-23a-302 – Agency designations; and
31A-14-211 – Respondent conducted title and escrow services utilizing unlicensed agencies/individuals and issued directly to the consumer without utilizing a licensed agency or through an office in this State.
Forfeiture: $63,955

PETPLAN (DBA: Fetch Insurance Services, LLC): E- Case #3847; Order effective February 16, 2017.
Violations: 31A-25-203 – Adjudicated claims outside of their license authority.
Forfeiture: $3,000

Nikolaos Paras: E-Case #3856; Order effective January 26, 2017.
Violations: 31A-2-202 – Failed to respond to the Department concerning actions taken in other states.
Forfeiture: $500

License Surrendered

Brett Labrum: E-Case #3944; Order effective October 26, 2017.
License Limitation: Surrendered in lieu of administrative action

Parker David Reed: E-Case #3940; Order effective Oct. 5, 2017.
License Limitation: Surrendered in lieu of administrative action

Ryan Bennett Edwards: E-Case #3923; Order effective October 2, 2017.
License Limitation: Surrendered in lieu of administrative action. Licensee agrees to provide this agreement to any insurance department, or to any insurer inquiry.

Mustafa (agency) and Mustafa Aziz Alhussaini: E-Case #3860; Order effective July 7, 2017.
License Limitation: Surrendered in lieu of administrative action

Kelstrom, Sean L.: E-Case #3911; Order effective: June 16, 2017.
License Limitation: Surrendered in lieu of administrative action

Rebel Bail Bonds Inc. and Melody Brady: E-Case #3864; Order effective February 23, 2017.
License Limitation: Surrendered in lieu of administrative action

James Duane Trejo: E-Case #3848; Order effective February 7, 2017.
License Limitation: Surrendered in lieu of administrative action

J. Duane Trejo Insurance Agency: E-Case #3848; Order effective February 7, 2017.
License Limitation: Surrendered in lieu of administrative action

License Denied

Andrew Rojas: E-Case #3990; Order effective August 31, 2017.
Violations: 31A-23a-107 – Failed to meet the trustworthy character requirement for licensing; and
31A-23a-111(5)(b)(iv) – Failed to timely pay a final judgment rendered in this state.
License Limitation: License denied

Ryan Bennett Edwards: E-Case #3991; Order effective October 3, 2017.
Violations: 31A-23a-111(5)(b)(iv) – Failed to timely pay a final judgment rendered in this state; and
31A-23a-111(8) – As a result of entering into an Agreement dated October 2, 2017, to Surrender an existing license in Lieu of Administrative Action (E-Case #3923), is therefore ineligible to apply for a license within 5 years from date of the Agreement without the express approval of the Commissioner.
License Limitation: License denied

Samantha Johns: E-Case #3945; Order effective December 1, 2017.
Violations: 31A-23a-107(2)(a) – Failed to meet the character requirement of trustworthiness; and
31A-23a-111(5)(b)(ix) – Provided incorrect, misleading, or materially untrue information in the license application.
License Limitation: License denied

Mercedes Brooks: E-Case #3934; Order effective October 11, 2017.
Violation: 31A-23a-107 – Failed to meet the trustworthy character requirement for licensing; and
31A-23a-111(5)(b)(iv) – Failed to timely pay a final judgment rendered in this state.
License Limitation: License denied

Elise Ann Mulligan: E-Case #3863; Order effective July 6, 2017.
Violation: 31A-23a-107 – Failed to meet the trustworthy character requirements for licensing;
31A-23a-105(1)(b)(ii) – Failed to satisfy the character requirements under 31A-23a-107;
31A-23a-105(1)(b)(vii) – Committed an act that is a ground for denial under 31A-23a-111;
31A-23a-111(5)(b)(i) – Unqualified for a license;
31A-23a-111(5)(b)(xiv) – Convicted of a felony; and
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.
License Limitation: License denied

Justin Bohannon: E-Case #3886; Order effective June 16, 2017.
Violation: 31A-23a-111 (5)(b)(xiv) – Convicted of a felony and is unqualified for a license under 31A-23a-104 and 105.
License Limitation: License denied

Jesse Steven Houchins: E-Case #3859; Order effective January 26, 2017.
Violation: 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.
License Limitation: License denied

Shawn Kyle Henry: E-Case #3855; Order effective January 6, 2017.
Violations: 31A-23a-107 – Failed to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(ix) – Provided 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)(xxi) – Failed to comply with order imposing a child support obligation;
31A-23a-111(5)(b)(xxii) – Failed to timely pay state income tax; and
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.
License Limitation: License denied

Noel G Thomas: E-Case #3956; Order effective November 29, 2017.
Violation: 31A-23a-104(2)(b)(vii) – Failing to provide information reasonably required by the commissioner by failing to respond to three separate inquiries from the commissioner by the due date.
License Limitation: License denied

Gahan Sharei Adams: E-Case #3862; Order effective February 23, 2017.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in their license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative action taken against you by the state of Ohio; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

Justin Tyler Redewill: E-Case #3857; Order effective January 13, 2017.
Violations: 31A-23a-104(2)(b)(vii) and 31A-2-202(4) – Failure to submit a timely response to an inquiry from the Commissioner;
31A-23a-105(2) – Failure to report administrative actions taken against him in the state of California; and
31A-23a-111(5)(b)(ix) – Provided incorrect, misleading, incomplete, or materially untrue information on the license application.
License Limitation: License denied

Public Letter of Admonition

Bartlett Title Insurance Agency: I-Case #69904; dated December 12, 2017.
Violation: 31A-23a-103 – Allowed an unlicensed producer to conduct closings while license was lapsed.
Public Letter of Admonition

Express Title Insurance Agency: I-Case #69956; dated December 12, 2017.
Violations: 31A-23a-302 – Failed to designate producers to act on the agency’s behalf, and
R590-244-10 – Conducted closings without an active association or designation.
Public Letter of Admonition

Steven Scott Terry: I-Case #68998; dated November 9, 2017.
Violations: 31A-23a-402(1) – Made or caused to be made communication that was false or misleading; and
R590-206-4(9) and (10) – Obtained personally identifiable information and personally identifiable health information of consumers who were not his customers.
Public Letter of Admonition

Team Sorensen Insurance and Financial Services: I-Case #67026; dated October 4, 2017.
Violations: 31A-23a-402(1) and (8) – Made or caused to be made communication that was false or misleading, engaged in an unfair insurance practice;
R590-206 – Obtained personally identifiable information and personally identifiable health information about consumers which was then utilized within the agency; and
31A-23a-111(5)(b) – Was found to have committed an unfair trade practice, negligent supervision.
Public Letter of Admonition

Ivun E. Sorensen: I-Case #67026; dated October 5, 2017.
Violations: 31A-23a-402(1) and (8) – Made or caused to be made communication that was false or misleading, engaged in an unfair insurance practice;
R590-206 – Obtained personally identifiable information and personally identifiable health information about consumers which was then utilized by the producer; and
31A-23a-111(5)(b) –- Was found to have committed an unfair trade practice.
Public Letter of Admonition

Joshua Roberts: I-Case #67026; dated October 5, 2017.
Violations: 31A-23a-402(1) and (8) – Made or caused to be made communication that was false or misleading, engaged in an unfair insurance practice;
R590-206 – Obtained personally identifiable information and personally identifiable health information about consumers which was then utilized by the producer; and
31A-23a-111(5)(b) – Was found to have committed an unfair trade practice.
Public Letter of Admonition

Jax Hayes Pettey: I-Case #69228; dated June 12, 2017.
Violation: 31A-19a-209(3) and R590-225-10(5) – Failure to charge filed escrow rates.
Public Letter of Admonition

Orange Title Insurance Agency: I-Case #38900; dated June 5, 2017.
Violation: 31A-23a-103 – Conducting title-related business on an expired license.
Public Letter of Admonition

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