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Utah Insurance

2015 Administrative Actions

Insurer Licensees

Settlement Agreement & Consent Order

None

Cease & Desist Order

None

Surrender

Majestic Insurance Company: E-Case #3658; Order effective August 25, 2015.
Violation: 31A-14-216 – Respondent has met all requirements for release from regulation.
License Limitation: COA surrendered

Revocation

Lincoln General Insurance Company: E-Case #3701; Order effective December 10, 2015.
Violation: 31A-14-217 – When there are grounds for delinquency proceedings under Chapter 27a, if a foreign insurer is a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

American Medical and Life Insurance Company: E-Case #3626; Order effective July 9, 2015.
Violations: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Freestone Insurance Company: E-Case #3623; Order effective June 5, 2015.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Red Rock Insurance Company: E-Case #3537; Order effective May 8, 2015.
Violation: 31A-14-217 – Whenever there would be grounds for delinquency proceedings under Chapter 27a, if a foreign insurer were a domestic insurer, the commissioner may revoke the insurer’s license.
License Limitation: COA revoked

Probation

Southern Utah Title Company of Cedar City: E-Case #3580; Order effective March 16, 2015.
Violation: R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $2,000 ($1,000 suspended pending successful completion of probation).
License Limitation: 6 month probation

Bonneville Superior Title Company Inc.: E-Case #3501; Order effective April 13, 2015
Violations: R592-6-4(6) – Furnishing services not related to title insurance or escrow to a client (Payroll/benefits)
R592-6-4(10) – Co-habitation with a client (Chandler and Associates);
R592-6-4(13) – Paying salary, commissions, or other consideration to an employee (Mark Chandler) who is also a licensed real estate agent;
R592-6-5(7) – conducting continuing education programs at the office of more than one client per calendar quarter;
31A-23a-503 – failure to report controlled business for calendar years 2011, 2012, and 2013.
Forfeiture: $ 45,000 ($22,750 stayed pending successful completion of probation).
License Limitation: 30 days (30 days suspended pending successful completion of probation). Probation 18 months. Respondent’s registration as an insurance continuing education provider is suspended for a period of 6 months. Mark Chandler shall not provide or conduct any insurance continuing education programs for or on behalf of respondent, nor to respondent or its employees.

Aladdin Bail Bonds Utah, LLC: E-Case # 3563; Order effective January 29, 2015.
Violations: 31A-23a-105(2) – Failed to report an administrative action taken by another state; R590-244-4 – Failed to submit electronically to the Department all documents related to reporting the administrative action taken against respondent.
Forfeiture: $750
Limitations: 24 month probation

Suspension

None

Cancellation

Pacific Surety Company, Inc.: E-Case #3662; Order effective July 14, 2015.
31A-5-504 – Respondent has met all requirements for Voluntary dissolution
Limitations: COA cancelled

Forfeiture

UnitedHealthcare Life Insurance Company: E-Case #3698; Order effective November 30, 2015.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2014.
Forfeiture: $750

Security Planning & Insurance Corporation: E-Case #3686; Order effective November 5, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Arches Mutual Insurance Company DBA Arches Health Plan: E-Case #3679; Order effective September 24, 2015.
Violations: 31A-21-201 – Failure to submit Large Group Filings;
31A-23a-402, 31A-22-625 – Respondent issued misleading policy forms to insureds, excluding inpatient mental health coverage.
R590-220-7 – Respondent failed to use unique form identifiers on policy forms.
Forfeiture: $87,000

Humana Insurance Company: E-Case #3666; Order effective September 29, 2015.
Violation: 31A-23a-402(I)(a)(I) – Providing false or misleading information.
Forfeiture: $74,000 with $9,000 stayed and $10,000 Administrative fee

Access Title Company Inc.: E-Case #3624; Order effective June 11, 2015.
Violations: 31A-23a-413 & Admin. Rule R592-11 – Failure to timely file the 2015 Annual and Controlled Business reports for calendar year 2014 by the annual due date of April 30.
Forfeiture: $1,000

Real Advantage Title Insurance Agency, LLC: E-Case #3578; Order effective January 27, 2015.
Violations: 31A-23-415 & R592-10-8–Failure to pay the title assessment for calendar year 2013 by the due date of November 2014.
Forfeiture: $1,000

Southern Utah Title Company of Cedar City: E-Case #3580; Order effective March 16, 2015.
Violation: Admin. Rule R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $2,000 ($1,000 suspended pending successful completion of probation).
License Limitation: 6 month probation

Bonneville Superior Title Company Inc.: E-Case #3501; Order effective April 13, 2015
Violations: R592-6-4(6) – Furnishing services not related to title insurance or escrow to a client (Payroll/benefits)
R592-6-4(10) – Co-habitation with a client (Chandler and Associates);
R592-6-4(13) – Paying salary, commissions, or other consideration to an employee (Mark Chandler) who is also a licensed real estate agent;
R592-6-5(7) – conducting continuing education programs at the office of more than one client per calendar quarter;
31A-23a-503 – failure to report controlled business for calendar years 2011, 2012, and 2013.
Forfeiture: $ 45,000 ($22,750 stayed pending successful completion of probation).
License Limitation: 30 days (30 days suspended pending successful completion of probation). Probation 18 months. Respondent’s registration as an insurance continuing education provider is suspended for a period of 6 months. Mark Chandler shall not provide or conduct any insurance continuing education programs for or on behalf of respondent, nor to respondent or its employees.

ACS Health Administration: E-Case #3574; Order effective May 19, 2015.
Violations: 31A-25-203, 31A-2-202 – Respondent failed to notify the Department of another state’s administrative action, Respondent submitted false information in connection with the license renewal application.
Forfeiture: $500

Humana Health Plan, Inc.: E-Case #3603; Order effective April 8, 2015.
Violations: 31A-25a-203 – Failure to report at the time of filing the license application an administrative action taken against you by another jurisdiction.
Forfeiture: $1,500

Madison National Insurance Company: E-Case #3600; Order effective March 6, 2015.
Violation: 31A-29-117 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2014.
Forfeiture: $750

Loyal American Life Insurance Company: E-Case #3610; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

United Teacher Associates Insurance Company: E-Case #3608; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Philadelphia American Life Insurance Company: E-Case #3606; Order effective April 7, 2015.
Violations: R590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2014;
R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2014;
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31, 2014.
Forfeiture: $750

Great American Life Insurance Company: E-Case #3607; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Kanawha Insurance Company: E-Case #3609; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Continental General Insurance Company: E-Case #3611; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Sun Life Assurance Company of Canada: E-Case #3612; Order effective April 7, 2015.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2014.
Forfeiture: $750

Combined Insurance Company Of America: E-Case #3584; Order effective February 27, 2015.
Violation: R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2014.
Forfeiture: $1,500

Unicare Life & Health Insurance Company: E-Case #3592; Order effective February 27, 2015.
Violations: R 590-146-14(C) – Failed to electronically file Annual Filing of Premium Rates on or before May 31, 2014.
R590-146-14(B) – Failed to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2014.
R590-146-22 – Failed to electronically file its Report of Multiple Policies on or before May 31,2014.
Forfeiture: $750

Provo Land Title Company: E-Case #3575; Order effective January 23, 2015.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $3,000

AFS Insurance Services, Inc.: E-Case #3538; Order effective February 3, 2015.
Violations: 31A-23a-412 and R590-258 – Failed to update its email address with the Department.
31A-23a-115 – Failed to terminate the association of producers no longer working for the agency.
Forfeiture: $1,000

Acuity, A Mutual Insurance Company: E-Case #3569; Order effective January 22, 2015.
Violations: 31A-23a-402 – Unfair marketing practices. Respondent failed to use their entire legal name on letterhead and business cards.
R590-154-5 – Unfair Marketing Practices Rule.
Forfeiture: $2,000

Public Letter of Admonition

First American Title Insurance Company: I-Case 63753; dated September 29, 2015.
Violations: R592-6-4(15) – Unfair Methods of Competition, Acts and Practices. Providing a thing of value for an activity of a client; permitting its agents to order marketing deemed as unfair methods of competition, acts and practices. Insurer is responsible for its own actions and the actions of its employees and agents.
31A-23-405: – Insurer liability
Public Letter of Admonition


Individual & Agency Licensees

Cease & Desist Order

Craig B. McAllister and Northern Utah Car Credit: E-Case #3705; Order effective December 18, 2015.
Violation: 31A-6b-201 – Prohibits any person from selling, offering to sell, or otherwise providing a guaranteed asset protection waiver to a borrower in Utah unless the person is registered with the Department.
License Limitation: Cease and desist

INVISUS, LLC: E-Case #3697; Order effective December 3, 2015.
Violation: 31A-23a-103 – Prohibits any person from engaging in activities related to soliciting and selling insurance without a license. Invisus offered identity theft products to Utah consumers with the name brand of iDefend, and iDefend Elite, an Order was issued to immediately cease and desist sales of the product offered through Chartis Insurance Company since Invisus LLC is not licensed to sell insurance in Utah.
License Limitation: Cease and desist

Dee Randall: E-Case #3585; Order effective March 5, 2015.
Violation: U.C.A. 31A-23a-103 – Engaged in activities related to soliciting and selling insurance without a valid license.
License Limitation: Cease and desist

Revocation

Doug Clay Pehrson: E-Case #3684; Order effective October 6, 2015.
Violations: 31A-23a-409(1)(a)(d)(I) – Failed to forward collected trust monies to the appropriate payee by the close of the following business day.
31A-23a-409(6) – Diverted and appropriated a portion of the held trust money.
31A-23a-411.1 – Failed to forward bail bond premiums to insurer.
31A-23a-409(1)(a)(d)(i) and 31A-35-603(3)(a)(I)(ii) – Failed to return collateral within ten days.
31A-2-202(4)(a(b)(i)(ii)(iii) – Failed to respond to an inquiry of the Commissioner.
31A-2-202(I)(a)(i)(ii)(iii)(iv)(v) – Failed to cooperate with an investigation of the Department.
31A-23a-107 – Failed to meet the character requirements.
License Limitation: Revoked

Brent A. Hilton and The Hilton Group LLC: E-Case #3650; Order effective August 6, 2015.
Violations: 31A-23a-107(2) – Respondent actions show he does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

All Area Bail Bonds: E-Case #3620; Order effective May 29, 2015.
Violations: 31A-35-404 – Failed to maintain minimum financial requirements for bail bond surety company license.
License Limitation: Revoked

Leonard Pyatt: E-Case #3596; Order effective April 24, 2015.
Violations: 31A-23a-105(2) – Failed to disclose administrative action in another state.
31A-23a-412(1) – Failed to notify the Department of change in contact information.
31A-2-202 – Failed to respond to an inquiry of the commissioner.
License Limitation: Revoked

Chase Blake: E-Case #3583; Order effective March 19, 2015.
Violations: 31A-31-103 – States that a person commits a fraudulent insurance act if that person, with intent to deceive, knowingly presents to an insurer any written or oral communication that contains false, incomplete, or misleading information concerning any fact material to an application for the issuance of an insurance policy or contract. The respondent violated this statute.
31A-23a-402.5 – Prohibits a producer from inducing a person to enter into an insurance contract by offering a benefit that is not specified in the insurance contract. The respondent violated this statute.
31A-23a-402 – Prohibits producers from making any communication that contains false or misleading information including relating to an insurance contract, including information that is incomplete. The respondent violated this statute.
31A-23a-107 – The respondent’s actions have violated the provision which requires a producer to be of good character and trustworthiness.
License Limitation: Revoked

Ivan Otto Okahara: E-Case #3567; Order effective March 5, 2015.
Violations: 31A-23a-107(2) – Respondent actions show she does not meet character requirements to hold an insurance producer’s license.
License Limitation: Revoked

Commerce Land Title Company: E-Case #3533; Order effective February 12, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the commissioner during the course of an investigation. Respondent, having been properly served with notice of the hearing, failed to either appear in person or through counsel. With no appearance having been received, pursuant to Utah Code Ann. 63G-4-209, the default of the Respondent is hereby entered.
License Limitation: Revoked

Shawn A. Parker: E-Case #3533; Order effective February 12, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the commissioner during the course of an investigation. Respondent, having been properly served with notice of the hearing, failed to either appear in person or through counsel. With no appearance having been received, pursuant to Utah Code Ann. 63G-4-209, the default of the Respondent is hereby entered.
License Limitation: Revoked

Edwin Peterson: E-Case #3550; Order effective January 22, 2015.
Violation: U.C.A.63G-4-209 – Respondent failed to appear either in person or through counsel resulting in a Default Order.
License Limitation: Revoked

Suspension

None

Probation

Shane Christy: E-Case #3745; Order effective October 15, 2015.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
License Limitation: 24 month probation

Kayla Ann Kendall: E-Case #3744; Order effective October 15, 2015.
Violations: 31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
License Limitation: 24 month probation

William S. Bennett, Jr.: E-Case #3739; Order effective October 8, 2015.
Violation: 31A-23a-107 – Failure to meet the trustworthy character requirement for licensing
License Limitation: 24 month probation

Keith R. Lamb: E-Case #3738; Order effective September 3, 2015.
Violation: 31A-23a-111(5)(b)(iii) – by selling or offering for sale an unfiled form.
License Limitation: 24 month probation

Rick Dee Kendell: E-Case #3704: Order effective: December 29, 2015.
Violation: 31A-23a-105(2)(b) – Other agency action.
License Limitation: 24 month probation

R. Austin Christensen: E-Case #3703; Order effective: December 22, 2015.
Violation: 31A-23a-105(2)(b) – Other agency action.
License Limitation: 24 month probation

Erin A Pitken: E-Case #3654; Order effective October 5, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state31A-23a-107 – Failure to meet the character requirements for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally, probation 18 months

Boyd L. Casselman: E-Case #3628; Order effective August 5, 2015.
Violations: 31A-23a-103 – Respondent advertised an agency without an agency license;
31A-23a-402, R590-130-6, R590-130-7 and R590-252-5 – Respondent advertised free Medicare educational workshops without disclosing that the workshop was a method of soliciting insurance leads. Respondent did not disclose that he was an insurance agent. Respondent used a senior specific designation which he did not hold.
Forfeiture: $5,000
License Limitation: 12 month probation

Michael Nicolaides: E-Case #3651; Order effective October 5, 2015.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally with 18 month probation

David Edward Caudill: E-Case #3677; Order effective March 19, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to comply with an administrative or court order imposing a child support obligation.
License Limitation: 24 month probation

William Ernesto Guevara: E-Case #3672; Order effective March 30, 2015.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing.
License Limitation: License granted conditionally with 24 month probation

Monique Mondragon: E-Case #3617; Order effective May 29, 2015.
Violations: 31A-23a-107(1)(2)(a)(I)(A) – Failed to meet character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License granted conditionally, 18 month probation

Legacy Insurance and Financial Services: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
License Limitation: 12 month probation

Wayne Gray: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
License Limitation: 12 month probation

Barry C. Orton: E-Case #3580; Order effective March 16, 2015.
Violation: R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $1,000 ($500 suspended pending successful completion of probation).
License Limitation: 6 month probation

Lloyd Coley: E-Case #3559; Order effective May 19, 2015.
Violations: 31A-35-603 (3)(a) – Failed to return collateral within ten days of all fees being paid;
31A-35-608(1)(a)(d) and (2)(b)(I)(ii)(A) – Failed to fill out the appropriate documents correctly;
31A-23a-107(1),(2)(a)(I)(A) – Failed to meet character requirements;
31A-23a-402 (1)(a)(I)(A) – Responsible for bonds containing misleading and incomplete information;
R590-196-4 – Failed to fill out appropriate paperwork, collect and maintain records.
Forfeiture: $6,000
License Limitation: 24 month probation

Celina De La Torre: E-Case #3587; Order effective March 30, 2015.
Violations: 31A-23a-107(2) – Respondent actions show she does not meet character requirements to hold an insurance producer’s license.
License Limitation: License granted conditionally, probation 24 months

Cory Parker Kennah: E-Case #3565; Order effective: March 19, 2015
Violations: 31A-23a-402 – Respondent provided false or misleading information relating to an insurance contract to a Utah consumer;
R590-230-5 – Respondent made an unsuitable annuity recommendation that financially harmed the consumer.
Forfeiture: $6,278, with $5,278 stayed pending reimbursement to consumer for surrender charges incurred.
License Limitation: 12 month probation (effective April 4, 2014 to April 4, 2015)

Jacquan Marshay Waits-Ray: E-Case #3561; Order effective February 24, 2015.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally, 24 month probation

Kaylene Michelle Bowman: E-Case #3570; Order effective February 24, 2015.
Violations: 31A-23a-107 – Respondent does not meet the character requirements;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License granted conditionally, probation 24 months

Thomas N. Pitcher: E-Case #3568; Order effective February 23, 2015.
Violation: 31A-23a-111(5)(b)(xxii) – Failure to pay state income tax.
License Limitation: Applicant shall fully comply with Monthly Pay Plan Agreement enter into with the Utah State Tax Commission until State tax liability is fully satisfied. Applicant shall not violate any Utah insurance laws, administrative rules or orders of the Commissioner.
Applicant will file and pay all future taxes timely.
24 month probation

Forfeiture

Annette Hoaldridge: E-Case #3700; Order effective December 14, 2015.
Violations: 31A-23a-205 (2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies.
31A-23a-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $1,000

Sony Computer Entertainment America LLC: E-Case #3695; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

International Benefits Administrators LLC: E-Case #3694; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Sony Electronics Inc.: E-Case #3693; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Federal Service Corportation: E-Case #3692; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Armada Corporation: E-Case #3691; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Preferred Care Inc.: E-Case #3690; Order effective November 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

Gregory Thomas Smith: E-Case #3653; Order effective August 11, 2015.
Violations: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

David E. Lee: E-Case #3682; Order effective September 22, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Boyd L. Casselman: E-Case #3628; Order effective August 5, 2015.
Violations: 31A-23a-103 – Respondent advertised an agency without an agency license;
31A-23a-402, R590-130-6, R590-130-7 and R590-252-5 – Respondent advertised free Medicare educational workshops without disclosing that the workshop was a method of soliciting insurance leads. Respondent did not disclose that he was an insurance agent. Respondent used a senior specific designation which he did not hold.
Forfeiture: $5,000
License Limitation: 12 month probation

Kraig Moore and Moore Insurance Agency: E-Case #3665; Order effective September 17,2015.
Violations: 31A-23a-103 and R590-154-7 – Respondents solicited insurance without a proper agency license.
Forfeiture: $3,000

Ethan Wayne Selph and Reliable Insurances Inc.: E-Case #3664; Order effective September 24, 2015.
Violations: 31A-23a-102 and 103 – Respondents solicited insurance without a proper agency license.
Forfeiture: $3,000

Cottonwood Title Insurance Agency: E-Case #3648; Order effective September 14, 2015.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – agency designations.
Forfeiture: $1,500

Surety Title Agency: E-Case #3647; Order effective September 14, 2015.
Violations: 31A-23a-103 – Requirements of license.
31A-23a-302 – agency designations.
Forfeiture: $1,500

Statewide Bail Bonding LLC: E-Case #3663; Order effective September 24, 2015.
Violations: 3aA-23a-302 – Failure to designate an individual producer to act on the agency’s behalf.
31A-23a-408 – Failed to appoint an individual to act on behalf of the insurer.
31A-35-402 – Allowed a bail bond producer to issue a bail bond in the state without holding a current designation from a bail bond company.
R590-186-6 – Failure to issue bail bonds through a designated agent.
31A-35-603 – Failed to return the collateral within 10 days after the bond was exonerated.
31A-23a-409 – Did not deposit the money in an authorized account by the close of the next business day.
Forfeiture: $4,000

Polestar Benefits Inc.: E-Case #3661; Order effective September 15, 2015.
Violations: 31A-23a-105 – failed to report an administrative action taken by another state;
R590-244-4 – failed to electronically submit administrative actions taken by another state.
Forfeiture: $750

Superior Bail Bonds: E-Case #3636; Order effective August 4, 2015.
Violations: 31A-2-201 – failure to properly respond to an inquiry of the Commissioner.
License Limitation: License granted conditionally, probation 12 months.
Forfeiture: $500

Insurance TPA.Com, Inc.: E-Case #3634; Order effective August 19, 2015.
Violations: 31A-23a-105 – Failed to report an administrative action taken by another state within 30 days.
R590-244-4 – Failed to electronically submit documentation regarding administrative action to the Department.
Forfeiture: $750

Rebel Bail Bonds Inc.: E-Case #3646; Order effective August 19, 2015.
Violations: 31A-23a-302 – Failed to designate an individual to an agency.
31A-23a-408 – Failed to appoint an individual to act on behalf of the agency.
R590-186-6 – Failed to issue bail bonds only through a licensed bail agent appointed to the insurer.
Forfeiture: $3,000

Casandra Watson: E-Case #3656; Order effective August 17, 2015.
Violations: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Kevin L. Flamm: E-Case #3577; Order effective: June 15, 2015
Violations: 31A-23a-402(1) – Respondent violated statue when consumer was not properly notified that he would incur surrender charges with the replacement of his existing annuity contract.
R590-230-5 – Respondent made an unsuitable annuity recommendation that financially harmed the consumer.
Forfeiture: $6,278, with $5,278 stayed pending Respondent’s full payment of $5,278 to the Estate of Fred Scott Mathews within 30 days of the date of the Order.

Legacy Insurance and Financial Services: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
Probation: 12 months

Wayne Gray: E-Case #3619; Order effective June 15, 2015.
Violations: 31A-23a-402, R590-154-7– Respondent distributed misleading advertising material and failed to identify as licensed insurance producer.
Forfeiture: $4,000
Probation: 12 months

AAA Bail Bonds: E-Case #3621; Order effective June 15, 2015.
Violations: 31A-23a-409 – Failed to issue two checks from the trust account but instead used another professional association account.
Forfeiture: $500

Barry C. Orton: E-Case #3580; Order effective March 16, 2015.
Violation: Admin. Rule R592-6-5(5) – Providing edible items as a form of self-promotion at the “Tasty Tuesdays” event by extending an invite to clients.
Forfeiture: $1,000 ($500 suspended pending successful completion of probation).
License Limitation: 6 month probation

Lloyd Coley: E-Case #3559; Order effective May 19, 2015.
Violations: 31A-35-603 (3)(a) – Failed to return collateral within ten day of all fees being paid;
31A-35-608(1)(a)(d) and (2)(b)(I)(ii)(A) – Failed to fill out the appropriate documents correctly;
31A-23a-107(1),(2)(a)(I)(A) – Failed to meet character requirements;
31A-23a-402 (1)(a)(I)(A) – Responsible for bonds containing misleading and incomplete information;
R590-196-4 – Failed to fill out appropriate paperwork, collect and maintain records.
Forfeiture: $6,000
License Limitation: 24 month probation

Bear Lake Community Health Center: E-Case #3615; Order effective May 13, 2015.
Violation: 31A-8a-201 – Unlicensed health discount program business.
Forfeiture: $3,000

Christie Anne Ellis: E-Case #3613; Order effective April 27, 2015.
Violation: 31A-23a-107 (1)(2)(a) – Character requirements.
Forfeiture: $500

Timios Title Agency of Utah, Inc.: E-Case #3604; Order effective May 11, 2015.
Violation: 31A-19a-209 – Special provisions for title insurance. Respondent failed to file escrow rates and conducted title and escrow business.
Forfeiture: $2,500

Vantage Point Title Agency: E-Case #3614; Order effective May 11, 2015.
Violation: 31A-19a-209 – Special provisions for title insurance. Respondent failed to file escrow rates and conducted title and escrow business.
Forfeiture: $2,500

Michael D. Roberts: E-Case #3598; Order effective March 6, 2015.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $500

Beehive Title Insurance Agency, LC: E-Case #3597; Order effective March 6, 2015.
Violations: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
31A-23a-413 – Failure to file the Annual and Controlled Business reports for calendar year 2013.
31A-23a-415 – Failure to pay the annual title assessment due October 9, 2014.
Forfeiture: $3,250

First American Title Insurance Company: E-Case #3547; Order effective April 13, 2015.
Violation: R592-6 – Title producer cannot provide a client access to any software accounts that utilized to access real property information that the insurer, agency title producer or individual title insurance producer pays for, develops or pays to maintain. Respondent provided clients access to software that accessed real property information.
Forfeiture: $32,500

Scott D. Barker: E-Case #3594; Order Effective March 12, 2015.
Violation: 31A-23a-105 – Failed to report an action taken by another regulatory agency.
Forfeiture: $500

Cory Parker Kennah: E-Case #3565; Order effective: March 19, 2015.
Violations: 31A-23a-402 – Respondent provided false or misleading information relating to an insurance contract to a Utah consumer;
R590-230-5 – Respondent made an unsuitable annuity recommendation that financially harmed the consumer.
Forfeiture: $6,278, with $5,278 stayed pending reimbursement to consumer for surrender charges incurred.
License Limitations: 12 Month Probation (effective April 4, 2014 to April 4, 2015)

Michelle Collup: E-Case # 3595; Order effective March 30, 2015.
Violations: 31A-23a-105 – Failed to report an administrative action taken by another state.
Forfeiture: $1,000.

Hailey F. Eagan: E-Case #3589; Order effective March 16, 2015.
Violations: 31A-23a-103. Requirements of license; Respondent failed to renew individual license and conducted title and escrow services during the time license lapsed.
Forfeiture: $750

Inwest Title Services: E-Case #3588; Order effective March 16, 2015.
Violations: 31A-23a-103 – Requirements of license; 31A-23a-302 – Agency Designations. Respondent allowed an unassociated producer with lapsed license to conduct escrow services on behalf of agency during the time license lapsed.
Forfeiture: $1,500

Patricia Randall: E-Case #3581; Order effective March 4, 2015.
Violation: U.C.A. 31A-23a-103 – Utilized the services of another in the solicitation and sale of insurance.
Forfeiture: $2,500

Rebel Bail Bonds: E-Case #3555; Order effective March 3, 2015.
Violations: 31A-2-202 – Failed to timely file necessary reports with the commissioner.
R590-186-5 – Failed to timely renew insurance license.
Forfeiture: $1,000

Rebel Bail Bonds, Inc.: E-Case #3579; Order effective February 11, 2015.
Violations: 31A-23a-302 – Failed to designate an individual to an agency.
R590-186-6 – Failed to issue bail bonds only through a licensed bail agent appointed to the insurer.
Forfeiture: $10,000

Thad R. Ellis: E-Case #3572; Order effective February 11, 2015.
Violations: 31A-23a-205 (2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies.
31A-23a-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $2,500

Aladdin Bail Bonds Utah, LLC: E-Case #3563; Order effective January 29, 2015.
Violations: 31A-23a-105(2) – Failed to report an administrative action taken by another state; R590-244-4 – Failed to submit electronically to the Department all documents related to reporting the administrative action taken against respondent.
Forfeiture: $750
License Limitation: 24 month probation

Peter Edward Morse: E-Case #3548; Order effective: January 22, 2015
Violation: 31A-2-308 – Violated terms of 24-month probation by failing to comply with terms of 2012 Stipulation and Order in a timely manner.
Forfeiture: $2,500

License Surrendered

Habib Rashadi: E-Case #3689; Order effective November 10, 2015.
License Limitation: Surrendered in lieu of administrative action

Superior Bail Bonds, Jim Elliott: E-Case #3702; Order effective December 7, 2015.
Violations: 31A-2-201 – Failed to provide records requested
31A-2-308 – Violated an order
31A-23a-107 – Failed to follow character requirements
31A-23a-111 – Engaged in conduct of business that endangers legitimate interest of customers and public
31A-23a-412 – Failed to update email address
31A-35-401.5 – Failed to provide additional licensure requirements for principal
31A-35-404 – Failed to provide the minimum financial requirement for bail bond surety company license
31A-35-504 – Failed to pay a judgment of forfeiture
31A-35-601 – Acts of a producer or agent acting in the scope of the bail agency are considered to be acts of the agency
31A-35-604 – Failed to provide records required to be maintained
31A-35-607 – Failed to file forms with correct address
Bulletin 2004-1 – Failure to pay bail bond forfeiture judgment
R590-186-5 – Failed to provide documentation based on financial backing of agency for renewal
R590-186-7 – Willfully misstated material facts in the renewal application
R590-186-9 – Failed to provide financial backing information regarding amount of bonds written
License Limitation: Surrendered in lieu of administrative action

Elliott E. Tupea: E-Case #3696; Order effective: November 23, 2015.
Violation: 31A-2-202 – Failed to promptly reply to a written inquiry from the commissioner.
License Limitation: Surrendered in lieu of administrative action

Steven Clifford Boren: E-Case #3683; Order effective: October 7, 2015.
Violations: 31A-23a-105(2)(b) – Other agency action.
License Limitation: Surrendered in lieu of administrative action

Kindra Sue Sailers: E-Case #3687; Order effective October 6, 2015.
Violations: 31A-2-202 – Failed to promptly reply, and to submit accurate and complete information.
31A-23a-105(2) – Failed to timely report an administrative action taken by another state within 30 days.
31A-23a-111(5)(b)(ii, x, and xviii) – Violated an insurance law of another state’s regulatory agency.
License Limitation: Surrendered in lieu of administrative action

Stephanie Ann Pehrson: E-Case #3657: Order effective August 31, 2015.
Violations: 31A-23a-205 – Failed to be appointed to an authorized bail bond surety company.
31A-35-402 – Failed to be designated to a bail bond company.
31A-35-603 – Failed to return collateral security within 10 days after the bail bond has been exonerated.
31A-23a-409 – Failed to send trust money to the appropriate payee by the close of the next business day.
License Limitation: Surrendered in lieu of administrative action

Steven B. Heinz and Steven B. Heinz & Associates, Inc.: E-Case #3652; Order effective August 19, 2015.
Violations: 31A-23a-107 – The respondent’s actions have violated the provision which requires a producer to be of good character and trustworthiness.
31A-23a-111(5)(b)(xiv) – Convicted of a felony.
License Limitation: Surrendered in lieu of administrative action

Michael E. Logan: E-Case #3649; Order effective August 4, 2015.
Violations: 31A-23a-111 – Revocation, suspension, surrender, lapsing, limiting, or otherwise terminating a license — Rulemaking for renewal or reinstatement.
License Limitation: Surrendered in lieu of administrative action.

Keith Richard Duncan: E-Case #3627; Order effective July 30, 2015.
Violations: 31A-23a-107 – Failure to meet character requirements for licensing.
31A-23a-402.5 – Inducements.
31A-23a-402.8 – Unfair marketing practices.
License Limitation: Surrendered in lieu of administrative action.

Brandon Michael Wenerstrom: E-Case #3629; Order effective July 22, 2015.
Violation: 31A-23a-105(2) Failure to report a criminal prosecution when applying for a resident producer license.
License Limitation: Surrendered in lieu of administrative action.

Nelson Madrill: E-Case #3590; Order effective May 13, 2015.
Violations: 31A-23a-107 – By failing to fill out the required paperwork and collect and maintain records.
License Limitation: Surrendered in lieu of administrative action.

License Denied

Mary Jane Angelina Fakahafua: E-Case #3761; Order effective November 24, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-26-213(5)(b)(xxii) – Failure to pay state income tax;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Talisha Goodrich: E-Case #3762; Order effective November 18, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Laura Holstine: E-Case #3763; Order effective December 21, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Laura Holstine: E-Case #3764; Order effective December 21, 2015.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(iv) – Failure to timely pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

David Paul Hustead: E-Case #3765; Order effective December 30, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay a state income tax;
31A-23a-111(5)(b)(iv) – Failure to timely pay a final judgment rendered against you in this state;
31A-23a-104 – Committing an act that is a ground for denial, suspension, or revocation as set forth in 31A-23a-105 or 111;
31A-23a-107 – Failure to meet the trustworthy character requirement for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Liza Marrell Neesham: E-Case #3766; Order effective November 24, 2015.
Violations: 31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Sabrina B. Williams: E-Case #3769; Order effective December 1, 2015.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
License Limitation: License denied

Matthew R DeSandre: E-Case #3751; Order effective September 28, 2015.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you
31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Chelsea Marie Freeland: E-Case #3750; Order effective September 24, 2015.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-105(2)(b)&(c) – Failure to report at the time of filing the license application a criminal prosecution taken against you
31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered against you in this state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

David Jay Eliason: E-Case #3749; Order effective September 24, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay state income tax
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Marcello Maiuri: E-Case #3748; Order effective September 10, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Heidi Roberts: E-Case #3747; Order effective September 8, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Shawn J. Moss: E-Case #3737; Order effective August 28, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Brodey Drake Hood: E-Case #3735; Order effective July 29, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Christi Anne Sorrels: E-Case #3734; Order effective June 26, 2015.
Violations: 31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Karl Ian Castagne: E-Case #3680; Order effective April 9, 2015.
Violations: 31A-23a-107 – failure to meet the character requirements for licensing;
31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

James B. Kunzler: E-Case #3673: Order effective February 19, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to pay state income tax, or comply with an administrative or court order directing payment of state income tax;
31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered against you in this state,
31A-23a-107 – failure to meet character requirements for licensing,
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Nicole James: E-Case #3671: Order effective March 2, 2015.
Violations: 31A-23a-105(2)(b)&(c) – failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application,
31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered against you in this state,
31A-23a-107(2) – failure to meet character requirements for licensing,
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Brooke Openshaw: E-Case #3670: Order effective April 21, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(iv) – failure to comply with an administrative or court order imposing a child support obligation,
31A-23a-107(2) – failure to meet character requirements for licensing,
31A-23-111(5)(b)(i) – unqualified for a Resident Producer Individual license.
License Limitation: License denied

Brooke Openshaw: E-Case #3669: Order effective April 21, 2015.
Violations: 31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(iv) – failure to comply with an administrative or court order imposing a child support obligation,
31A-23a-107(2) – failure to meet character requirement for licensing,
31A-23-111(5)(b)(i) – unqualified for a Resident Limited Producer license.
License Limitation: License denied

David Alex Munford: E-Case #3668: Order effective March 24, 2015.
Violations: 31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to pay a final judgment rendered against you in this state,
31A-23a-107(2) – failure to meet character requirement for licensing,
31A-23-111(5)(b)(i) – unqualified for license.
License Limitation: License denied

Maegan E. Staheli: E-Case #3616; Order effective May 29, 2015.
Violations: 31A-23a-107(1)(2)(a)(I)(A) – Failed to meet character requirements for licensing
31A-23a-111(5)(b)(xiv) – Convicted of a felony
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or untrue information on the license application
31A-23a-105(2)(b)(&(c) – Failure to report criminal prosecution
31A-23a-111(5)(b)(iv) – Failure to pay final judgment in this state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Spencer S. Carver: E-Case #3582; Order effective February 26, 2015.
Violations: 31A-23a-111(5)(b)(iv) and(xxi) – Failure to comply with order imposing child support.
31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered against you in this state.
31A-23a-111(5)(b)(xxii) – Failure to pay state income tax.
License Limitation: License denied

Renelle Smith: E-Case #3566; Order effective February 2, 2015.
Violations: 31A-23a-107 – Failed to meet the character requirements for licensing.
31A-23a-111(5)(b)(i) – Is unqualified for a license.
License Limitation: License denied

Public Letter of Admonition

First American Title Insurance Agency, LC: I-Case 63753; dated September 29, 2015.
Violation: R592-6-4(15) – Unfair Methods of Competition, Acts and Practices. Providing a thing of value for an activity of a client.
Public Letter of Admonition

Dan J. Hall: I-Case 65512; Dated June 29, 2015.
Violations: 31A-23a-413/Admin. Rule R592-11 – Failure to timely file the 2015 Annual and Controlled Business reports for calendar year 2014 by the annual due date of April 30. Pursuant to U.C.A. 31A-23a-302(7) an individual producer is held responsible for the actions of the title agency.
Public Letter of Admonition

Teresa Freeland: I-Case 65511; Dated June 29, 2015.
Violations: 31A-23a-413/Admin. Rule R592-11 – Failure to timely file the 2015 Annual and Controlled Business reports for calendar year 2014 by the annual due date of April 30. Pursuant to U.C.A. 31A-23a-302(7), an individual producer is held responsible for the actions of the title agency.
Public Letter of Admonition

Security Title Insurance Agency of Utah, Inc.: I-Case 64727; Dated January 21, 2015.
Violations: 31A-23a-302 – Agency designations;
31A-23a-103 – Requirements of license.
Public Letter of Admonition

2016 Administrative Actions

Insurer Licensees

Settlement Agreement & Consent Order

Hartford Life and Accident Insurance Company, Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company:
Docket No. 2016-100 AD; Order effective August 16, 2016.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Standard Insurance Company:
Docket No. 2016-098 AD; Order effective August 16, 2016.
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

AXA Equitable Insurance Company and AXA Equitable Life & Annuity Company, Mony Life Insurance Company, Mony Life Insurance Company of America, U.S. Financial Life Insurance Company:
Docket No. 2016-002 AD; Order effective January 5, 2016
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Brooke Life Insurance Company and Jackson National Life Insurance Company, Jackson National Life Insurance Company of New York:
Docket No. 2016-001 AD; Order effective January 5, 2016
The Department adopts and approves the Regulatory Settlement resulting from a Multi-State Market Examination of the Companies settlement practices, procedures and policies administration relating to claims, and the use of Social Security Death Master File or similar database or service, including the companies’ efforts to identify the owners and beneficiaries of unclaimed Proceeds.

Cease & Desist Order

Vision Care Direct: E-Case #3773; Order effective May 19, 2016.
Violations: 31A-4-102,103 and 104 – Conducted an unauthorized insurance business.
31A-8a-201(1)(b) – Operated an unlicensed health discount program.
Forfeiture: $4,000
License Limitation: Cease and Desist

Surrender

None

Revocation

None

Probation

None

Suspension

None

Cancellation

None

Forfeiture

Liberty Mutual General Insurance Company: E-Case #3841; Order effective December 13, 2016.
Violations: R590-190-6(2) – Failure to respond within 15 days to requests from its insured; and
R590-190-10(3) – Failure to promptly pay the valid insurance claim within 30 days.
Forfeiture: $10,000

Arnout Global Assurance: E-Case #3817; Order effective October 13, 2016.
Violations: R590-238-6 – Respondent failed to submit annual audits for the years ending 12-31-2014 and 12-31-2015;
31A-37-501(2)(a) – Respondent failed to submit annual report for the year ending 12-31-2015;
R590-238-6 – Respondent failed to maintain an approved captive manager; and
R590-238-20(3)(4) – Respondent failed to pay annual renewal and e-commerce fees for period ending 06-30-2016.
Forfeiture: $10,000 stayed based on the condition that payment of the renewal fee for the period ending June 30, 2016 of $5,300 was paid and voluntary dissolution documents received by the Commissioner.

John Hancock Life & Health Insurance Company: E-Case #3833; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Pacific Life Insurance Company: E-Case #3831; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Senior Health Insurance Company of Pennsylvania: E-Case #3834; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

John Hancock Life Insurance Company: E-Case #3832; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Time Insurance Company: E-Case #3829; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Union Security Insurance Company: E-Case #3836; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Washington National Insurance Company: E-Case #3835; Order effective October 21, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

Country Life Insurance Company: E-Case #3825; Order effective October 3, 2016.
Violation: R590-148-25 – Respondent failed to electronically file its Long Term Care Report on or before June 30, 2016.
Forfeiture: $750

National Health Insurance Company: E-Case #3800; Order effective July 5, 2016.
Violation: 31A-2-202(4) – Failure to respond to an inquiry of the Commissioner.
Forfeiture: $750

United States Fire Insurance Company: E-Case #3799; Order effective August 25, 2016.
Violations: 31A-21-201(1)(a) and (2) – Respondent incorrectly used policy forms filed with the Department;
31A-22-701 and R590-220-6 – Respondent failed to file Utah Accident and Health Insurance Group Questionnaires for eight associations;
31A-22-701(2)(h) and R590-220-6 – Respondent incorrectly certified that the policy filing was compliant with Utah statutes and rules;
31A-23a-402 – Respondent violated Unfair Marketing Practices statutes by failing to supervise the associations and the manner in which the association membership was marketed, as well as the incorrect and incomplete information given to consumers;
31A-23a-103 – Respondent utilized unlicensed producers;
31A-23a-115 – Respondent utilized unappointed producers.
Forfeiture: $172,250

Forethought Life Insurance Company: E-Case #3792; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

Unicare Life & Health Insurance Company: E-Case #3793; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

State Farm Mutual Automobile Insurance Company: E-Case #3794; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

Washington National Insurance Company: E-Case #3795; Order effective June 20, 2016.
Violations: R590-146-14(C) – Failure to electronically file its Annual Filing of Premium Rates on or before May 31, 2016;
R590-146-14(B) – Failure to electronically file its Refund Calculation and Benchmark Ratio on or before May 31, 2016;
R590-146-22 – Failure to electronically file its Report of Multiple Policies on or before May 31, 2016.
Forfeiture: $750

Liberty Mutual General Insurance Company: E-Case #3786; Order effective June 27, 2016.
Violations: R590-190-6 – Respondent failed to timely contact and respond to claimants within 15 days upon notification of a claim;
R590-190-10(2) – Respondent failed to notify the claimant within 30-days after receipt of proof of loss to accept or deny the claim and failed to send the claimant a letter setting forth reasons additional time was needed to investigate the claim every 45 days thereafter.
Forfeiture: $5,000

State Farm Mutual Automobile Insurance Company: E-Case #3787; Order effective June 20, 2016.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2016.
Forfeiture: $750

Unitedhealthcare Life Insurance Company: E-Case #3789; Order effective June 20, 2016.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2016.
Forfeiture: $750

Aetna Health of Utah Inc.: E-Case #3791; Order effective June 20, 2016.
Violation: 31A-30-106 – Failure to file its Actuarial Certification Report via SERFF on or before April 1, 2016.
Forfeiture: $750

CSE Safeguard Insurance Company: E-Case #3781; Order effective June 6, 2016.
Violation: 31A-22-305.3(9) – Failed to timely schedule an arbitration date and tender payment.
Forfeiture: $2,000

Humana Insurance Company: E-Case #3771; Order effective: May 25, 2016.
Violation: 31A-22-613.5(4)(b) and R590-271 – Failed to provide accurate call center data by April 1, 2016.
Forfeiture: $5,000

Humana Medical Plan of Utah: E-Case #3772; Order effective: May 25, 2016.
Violation: 31A-22-613.5(4)(b) and R590-271 – Failed to provide accurate call center data by April 1, 2016.
Forfeiture: $5,000

Casualty Underwriters Insurance Company and Inter-Americas Insurance Corp. Inc.: E-Case #3756; Order effective May 31, 2016.
Violations: 31A-26-303 – Provides that no insurer may engage in any unfair claim settlement practice;
R590-190-11 – Provides that an insurer shall fairly, equitably and in good faith attempt to compensate a claimant for all losses incurred including all applicable taxes, license fees and other fees incident to transfer of evidence of ownership of a comparable automobile.
Forfeiture: $9,500

Vision Care Direct: E-Case #3773; Order effective May 19, 2016.
Violations: 31A-4-102,103 and 104 – Conducted an unauthorized insurance business.
31A-8a-201(1)(b) – Operated an unlicensed health discount program.
Forfeiture: $4,000
License Limitation: Cease and Desist

Unigard Insurance Company: E-Case #3723; Order effective April 19, 2016.
Violations: Rule 590-190-10 – Failed to complete its investigation of a claim within 30 days from proof or loss;
31A-26-303 – Delaying an investigation or payment is an unfair claim settlement practice.
Forfeiture: $2,000

First American Title Insurance Company: E-Case #3731; Order effective March 11, 2016.
Violations: 31A-2-202(6) – Failure to provide complete and accurate information in response to an inquiry of the commissioner.
31A-23a-115(1)(b) – Failure to update company information, such as individual appointments as required by statute.
Forfeiture: $6,500

Ameriplan Corporation: E-Case #3729; Order effective February 22, 2016.
Violations: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

Public Letter of Admonition

None


Individual & Agency Licensees

Cease & Desist Order

Keystone Insurance Services: E-Case #3726; Order effective May 9, 2016.
Violation: 31A-23a-402(1)(a)(i) – Respondent used a misleading website name. An administrative hearing was held. The Administrative Law Judge determined that the website domain name was in violation of Utah statute. Respondent was ordered to cease using the website domain.
License Limitation: Cease and desist

Revocation

Sommer Randall Bowler: E-Case #3844; Order effective: December 21, 2016.
Violations: 31A-23a-111(5)(b)(xiv) and (xv) – Pled guilty to three felony charges involving fraudulent insurance acts.
License Limitation: Revoked

Jeffrey Dee Call: E-Case #3783; Order effective: May 31, 2016.
Violation: 31A-23-107 – In being convicted of a felony involving dishonesty or breach of trust, Respondent demonstrated that he does not meet the character requirements to hold an insurance producer license pursuant to Utah Code.
License Limitation: Revoked

Colin Patrick Terry: E-Case #3759; Order effective June 8, 2016.
Violations: 31A-31-103 – The respondent committed a fraudulent insurance act by adding additional endorsements without the consent of the insured and providing false and misleading information to the insurer;
31A-23a-105, 31A-23a-106 – The respondent failed to disclose a termination for cause when applying for a line of authority with the department;
31A-23a-107 – Requires a producer to be trustworthy and be of good character. The respondent’s actions violated this provision.
License Limitation: Revoked

Gregory Thomas Smith: E-Case #3653; Order effective May 13, 2016.
Violation: U.C.A.63G-4-209 – Respondent failed to appear either in person or through counsel resulting in a Default Order.
License Limitation: Revoked

David E. Lee: E-Case #3682; Order effective April 21, 2016.
Violation: U.C.A.63G-4-209 – Respondent failed to appear either in person or through counsel resulting in a Default Order.
License Limitation: Revoked

Suspension

None

Probation

Rebel Bail Bonds Inc. and Melody Brady: Docket #2015-101 BB, E-Case #3660

Kevin W. King: E-Case #3854; Order effective: December 8, 2016.
Violation: 31A-23a-107 – Requires a producer to be trustworthy and be of good character. The respondent’s actions violated this provision.
License Limitation: Probation 24 months

Brad C. Kuhnhausen: E-Case #3837; Order effective November 8, 2016.
Violations: 31A-23a-402 and 31A-23a-111 – Commissioner is authorized to take action against a licensee who violates Department laws or rules. By signing Agent of Record letters on behalf of consumers, without their authorization, Respondent committed violations, by:
Subsection (xvi)(B) – demonstrating untrustworthiness;
Subsection (xviii)(B) – forging another’s name to a document relating to an insurance transaction; and
Subsection (xxiv) – engaging in a business method or practice that endangers the legitimate interests of customers and the public.
Forfeiture: $2,500
Probation: 6 months

Michael R. Marzo: E-Case #3757; Order effective May 13, 2016.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to pay final judgment rendered by the state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License granted conditionally, probation 12 months

Fast N Furious Bail Bonds: E-Case #3752; Order effective June 17, 2016.
Violations: 31A-23a-302 – Failure to designate an individual to act on behalf of the agency;
R590-186-6 – Failure to issue bail bonds only through a licensed bail agent appointed to an insurer or designated to a bail bonds surety;
31A-23a-409 and R590-170 – Failure to establish and maintain a trust account and commingling trust monies with personal and business monies.
Forfeiture: $7,000, stay $3,500 pending successful probation
License Limitation: 24-month probation

Citadel Title and Escrow, LLC: E-Case #3777; Order effective May 16, 2016.
Violations: 31A-23a-413 – and Admin. Rule R592-11 – Failure to timely file the 2016 Annual and Controlled Business reports for calendar year 2015 by the annual due date of April 30.
Forfeiture: $1,000
License Limitation: 24-month probation

Zachary Daniel Lovingier and ZDL Holdings DBA Optimized Health Plans: E-Case #3710; Order effective January 13, 2016.
Violations: 31A-23a-103 – Respondent operated an unlicensed insurance agency;
31A-23a-402.5 – Respondent provided gift cards of value in excess of $10 in exchange for insurance quotes.
Forfeiture: $5,000
License Limitation: 12-month probation

Forfeiture

Rebel Bail Bonds Inc. and Melody Brady: Docket #2015-101 BB, E-Case #3660

Break Out Bail Bonds, LLC and Todd Harris: E-Case #3717; Order effective May 31, 2016.
Violations: 31A-35-603 – Failed to keep cash collateral in a trust account;
31A-35-607 – Used a form that had been withdrawn from filing with the Department, and failed to use a form that had been filed; and
R590-244-12(2) – Failed to timely and properly terminate a designation.
Forfeiture: $10,500

Security Title & Abstract Company: E-Case #3824; Order effective September 17, 2016.
Violations: 31A-23a-103 – Requirements of license; and
31A-23a-302 – Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $1500

Beehive Bail Bonds: E-Case #3842; Order effective November 29, 2016.
Violations: 31A-23a-302(1) – Failed to designate an individual to an agency;
31A-23a-408 – Failed to appoint an individual to act on behalf of the agency; and
R590-186-6 – Failed to designate an individual to an agency.
Forfeiture: $1,200

Brad C. Kuhnhausen: E-Case #3837; Order effective November 8, 2016.
Violations: 31A-23a-402 and 31A-23a-111 – Commissioner is authorized to take action against a licensee who violates Department laws or rules. By signing Agent of Record letters on behalf of consumers, without their authorization, Respondent committed violations, by:
Subsection (xvi)(B) – demonstrating untrustworthiness;
Subsection (xviii)(B) – forging another’s name to a document relating to an insurance transaction; and
Subsection (xxiv) – engaging in a business method or practice that endangers the legitimate interests of customers and the public.
Forfeiture: $2,500
Probation: 6 months

International Benefits Administrators, LLC: E-Case #3815; Order effective August 25, 2016.
Violations: 31A-23a-105 (2)(b) and (c) – Failed to report an administrative action taken by another state within 30 days;
31A-23a-402 and R590-154-5 – Failed to register an assumed name with the commissioner.
Forfeiture: $2,500

Beehive Bail Bonds, LLC; E-Case #3818; Order effective September 7, 2016.
Violations: 31A-23a-105 and 31A-23a-106 – Failed to have a license type of Resident Producer Organization with the qualification of “Casualty”.
Forfeiture: $1,000.

Aladdin Bail Bonds: E-Case #3809; Order effective August 30, 2016.
Violation: 31A-35-607 – Failed to file a form with the Commissioner.
Forfeiture: $2,500

Martin Murray Ferguson: E-Case #3810; Order effective August 16, 2016.
Violations: 31A-23a-402, R590-130-4, R590-130-6 – Respondent misrepresented association memberships as insurance policies and had misleading advertising on his website.
Forfeiture: $4,500

Kornerstone Administrative Services: E-Case #3796; Order effective August 8, 2016.
Violations: 31A-6a-103 – Respondent issued vehicle protection product warranties without registering 30 days prior to use;
31A-6a-104(2)(b) – Respondent failed to include proper disclosures in its contracts.
Forfeiture: $5,000

First American Title Insurance Agency: E-Case #3788; Order effective June 24, 2016.
Violation: R590-142-6(1) – Respondent, as a Continuing Education Provider failed to record a course completion record for continuing education within fourteen (14) days of the completed course.
Forfeiture: $1,000

MBA Benefit Administrators, Inc.: E-Case #3797; Order effective July 11, 2016.
Violation: 31A-25-201 – Respondent conducted business as a third party administrator without a license.
Forfeiture: $5,000

Arches Title Insurance Agency LLC: E-Case #3776; Order effective May 27, 2016.
Violation: 31A-23a-413 – Respondent failed to file its 2016 Annual and Controlled Business reports by the annual due date of April 30.
Forfeiture: $1,000

Unity Title, LLC: E-Case #3780; Order effective June 7, 2016.
Violations: 31A-23a-413 and 31A-23-415 – Respondent failed to file its 2016 Annual and Controlled Business reports by the annual due date of April 30.
Forfeiture: $1,000

Jim Fink: E-Case #3782; Order effective June 28, 2016.
Violation: 31A-23a-111 – Committed an insurance unfair trade practice or fraud in the conduct of business.
Forfeiture: $2,000

Fast N Furious Bail Bonds: E-Case #3752; Order effective June 17, 2016.
Violations: 31A-23a-302 – Failure to designate an individual to act on behalf of the agency;
R590-186-6 – Failure to issue bail bonds only through a licensed bail agent appointed to an insurer or designated to a bail bonds surety;
31A-23a-409 and R590-170 – Failure to establish and maintain a trust account and commingling trust monies with personal and business monies.
Forfeiture: $7,000, stay $3,500 pending successful probation
License Limitation: 24-month probation

GBS Benefits, Inc.: E-Case #3711; Order effective June 13, 2016.
Violations: 31A-23a-501(2) and 31A-23a-412(2)(b) – Failure to execute non-commission compensation disclosures with clients;
31A-2-201(1) and (6) – Failure to provide accurate and complete responses to the Department;
31A-23a-302 and R590-244-12 – Failure to timely designate agents to the agency license.
Forfeiture: $35,000

Closeline Settlements of UT, LLC: E-Case #3753; Order effective March 28, 2016.
Violations: 31A-23a-415 – and Admin. Rule R592-10 – Failure to pay an assessment when due.
Forfeiture: $1,500

Citadel Title and Escrow, LLC: E-Case #3777; Order effective May 16, 2016.
Violations: 31A-23a-413 – and Admin. Rule R592-11 – Failure to timely file the 2016 Annual and Controlled Business reports for calendar year 2015 by the annual due date of April 30.
Forfeiture: $1,000
Probation: 24 months

Landcar Agency Inc. DBA Total Care Auto: E-Case #3754; Order effective April 26, 2016.
Violations: 31A-6a-103 – Respondent failed to file Vehicle Protection Product (VPP)Warranty’s and issued over 15,000 contracts which may not be issued, sold or offered for sale 30 days prior to use.
31A-6a-104 – Respondent violated the statute when it failed to include proper disclosures in its contracts.
Forfeiture: $10,000

Boulder Administration Services: E-Case #3760; Order effective April 28, 2016.
Violation: 31A-25-201 – Respondent operated an unlicensed Third-Party Administrator.
Forfeiture: $5,000

Zachary Daniel Lovingier and ZDL Holdings DBA Optimized Health Plans: E-Case #3710; Order effective January 13, 2016
Violations: 31A-23a-103 – Respondent operated an unlicensed insurance agency;
31A-23a-402.5 – Respondent provided gift cards of value in excess of $10 in exchange for insurance quotes.
Forfeiture: $5,000
Probation: 12 months

Richard E Davis: E-Case #3755; Order effective April 20, 2016.
Violation: U.C.A. 31A-23a-402 – Provided false and misleading information relating to an insurance product.
Forfeiture: $2,500

Frederick Hawkes: E-Case #3732; Order effective March 10, 2016.
Violations: 31A-23a-205(2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies;
31A-35-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $1,000

Title West: E-Case #3742; Order effective March 30, 2016.
Violations: 31A-23a-103: requirements of license;
31A-23a-302: Agency designations. Respondent failed to renew agency license and conducted title and escrow services during the time license lapsed. Conducted title and escrow services without an active association.
Forfeiture: $3,000

Ken Garff Insurance Agency: E-Case #3718; Order effective April 6, 2016.
Violations: 31A-2-308(1)(b) – Respondent failed to designate individuals to act on the agency’s behalf;
31A-23a-302(7)(b) – Respondent negligently supervised a producer.
Forfeiture: $10,000 for its failure to report designated individual producers to the Utah Insurance Commissioner.
Forfeiture: $5,000 for negligently supervising its designated individual producer.

Breaking Bad Bail Bonds: E-Case #3736; Order effective March 15, 2016.
Violation: 31A-35-607 – Failed to use required, filed forms.
Forfeiture: $2,000

Bert J. Christenson: E-Case #3721; Order effective February 18, 2016.
Violation: 31A-23a-205 (2) – Respondent was operating in this state without an appointment from one or more authorized bail bond surety insurers of licensed bail bond surety companies.
31A-23a-402 – Respondent executed or issued bail bonds in this state without holding a current appointment from a bail bond surety or current designation from a bail bond company.
Forfeiture: $2,500

ISmile, LLC: E-Case #3725; Order effective February 9, 2016.
Violation: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

StoneHaven Dental: E-Case #3724; Order effective February 9, 2016.
Violation: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

Futurity First Insurance Group and Corby Hansen: E-Case #3712; Order effective February 1, 2016.
Violations: 31A-23a-302 – Respondent failed to timely designate agents to agency license;
31A-2-202(6) – respondent failed to submit accurate and complete responses to the Department;
R590-154-8 – respondent represented in marketing material that the Department had approved advertising material;
31A-23a-402(1)(a)(i) – respondents conducted Medicare Informational Workshops as a method of soliciting leads for the sale of insurance. The actions were considered misleading and deceptive and violated Federal Medicare laws.
Forfeiture: $8,750

National Enrollment Services and Howard Labow: E-Case #3685; Order effective January 19, 2016.
Violations: 31A-23a-103 – Unlicensed insurance producer activity.
Forfeiture: $3,000

License Surrendered

Christopher Charles Ferguson, Integrity Insurance Group, Integrity Insurance Advisors: E-Case #3798; Order effective October 4, 2016.
Violations: 31A-31-103 – Engaged in a fraudulent insurance act by submitting applications to the insurer that contained false and misleading information;
31A-23a-402 – Manipulated customer names to obtain a higher score which removed the mandatory underwriting approval in order to bind the policy;
31A-23a-107 – Violated the provision which requires a producer to be of good character and trustworthiness;
31A-23a-301 – Represented agencies that were not licensed with the Department;
31A-23a-409 – Received premium that was not forwarded to the insurer.
License Limitation: Surrendered in lieu of administrative action, the licensee may not apply for any insurance license in the State of Utah within 5 years.

Nathaniel J. Scoffield: E-Case #3775; Order effective July 26, 2016.
Violation: 31A-2-202 – Termination for cause by Insurer.
License Limitation: Surrendered in lieu of administrative action

Hudson Title and Escrow, LLC: E-Case #3778; Order effective June 2, 2016.
Violation: 31A-23a-413 and 31A-23-415 – Respondent failed to file its 2015 and 2016 Annual and Controlled Business reports by the annual due date of April 30;
Respondent failed to pay an assessment when due.
License Limitation: Surrendered in lieu of administrative action

Micah Platt: E-Case #3758; Order effective May 18, 2016.
Violation: 31A-23a-111 – Unqualified for a license
License Limitation: Surrendered in lieu of administrative action

Stephani Flemming Lydic: E-Case #3699; Order effective: February 2, 2016.
Violation: 31A-2-202 – Termination for cause by Insurer.
License Limitation: Surrendered in lieu of administrative action

License Denied

Brian L. Velimirovich: E-Case #3853; Order effective October 24, 2016.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative taken against you by the state of Nevada; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

David Phillip Cardwell: E-Case #3850; Order effective: October 19, 2016.
Violations: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative taken against you by the state of Florida; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

Scott Ward: E-Case #3851; Order effective: October 19, 2016.
Violations: 31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state; and
31A-23a-111(5)(b)(xxii) – failure to pay state income tax.
Limitation: License denied

Jayson George Cohen: E-Case #3852; Order effective: August 23, 2016.
Violations: 31A-23a-111(5)(b)(ix) –Providing incorrect, misleading, incomplete, or materially untrue information in the license application by answering “No” to the question regarding any prior administrative action;
31A-23a-105(2)(b) – Failing to report an administrative taken against you by the State of Nevada; and
31A-2-202(4) – Failing to reply to reasonable written inquiry from the Commissioner.
License Limitation: License denied

Engage Ins LLC: E-Case #3838; Order effective September 21, 2016.
Violations: 31A-23a-105(2)(b) – Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-2-202(4) – Failing to reply to a reasonable written inquiry from the commissioner.
License Limitation: License denied

Shantel L. Fox aka Shantel L. Hatanaka: E-Case #3785; Order effective September 16, 2016.
Violations: 31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Amber Boulton: E-Case #3819; Order effective June 2, 2016.
Violations: 31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-105(2) Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to timely pay state income tax;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Amber Boulton: E-Case #3820; Order effective June 2, 2016.
Violations: 31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-105(2) Failure to report at the time of filing the license application a criminal prosecution taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to timely pay state income tax;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Shawn Bruce Brown: E-Case #3821; Order effective June 28, 2016.
Violations: 31A-26-213 (5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-26-203(2)(b) – Failing to report an administrative action taken against you in another jurisdiction;
31A-2-202(4) – Failing to reply to a reasonable written inquiry from the Commissioner.
License Limitation: License denied

Stephen Ivan Wittert: E-Case #3806; Order effective March 15, 2016.
Violations: 31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-26-203(2)(b) – failing to report an administrative action taken against you in another jurisdiction.
License Limitation: License denied

Tyler Jacob Empey: E-Case #3805; Order effective March 18, 2016.
Violations: 31A-23a-111(5)(b)(xiv) – Convicted of a felony;
31A-23a-111(5)(b)(xxiii) – convicted of a felony involving dishonesty in violation of 18 U.S.C. Section 1033 and therefore under 18 U.S.C. Section 1033 is prohibited from engaging in the business of insurance;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-104 – committing an act that is a ground for denial, suspension, or revocation as set forth in 31A-23a-105 or 111;
31A-23a-107 – failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Angelica Maria Lozano: E-Case #3804; Order effective April 11, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-105(2)(b)&(c) – failure to report at the time of filing the license application a criminal action taken against you;
31A-23a-111(5)(b)(ix) – providing incorrect, misleading, incomplete, or materially untrue information in the license application;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(iv) – failure to timely pay final judgment rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Talisha Goodrich: E-Case #3803; Order effective April 28, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(xiv) – convicted of a felony;
31A-23a-111(5)(b)(xxiii) – convicted of a felony involving dishonesty in violation of 18 U.S.C. Section 1033 and therefore under 18 U.S.C. Section 1033 is prohibited from engaging in the business of insurance;
31A-23a-111(5)(b)(iv) – failure to timely pay a final judgment rendered against you in this state;
31A-23a-111(5)(b)(xxi) – failure to comply with order imposing a child support obligation;
31A-23a-104 – committing an act that is a ground for denial, suspension, or revocation as set forth in 31A-23a-105 or 111;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Nikolaos L Paras: E-Case #3802; Order effective May 17, 2016.
Violations: 31A-23a-202(4) – Failure to respond to a reasonable written inquiry from the commissioner;
31A-23a-105(2)(b)&(c) – failure to report within 30 days of final disposition an administrative action taken against you by the state of Indiana;
31A-26-213(5)(b)(ii) – violation of an insurance statute.
License Limitation: License denied

Nikolaos L Paras: E-Case #3801; Order effective May 17, 2016.
Violations: 31A-23a-202(4) – Failure to respond to a reasonable written inquiry from the commissioner;
31A-23a-105(2)(b)&(c) – failure to report within 30 days of final disposition an administrative action taken against you by the state of Indiana;
31A-26-213(5)(b)(ii) – violation of an insurance statute.
License Limitation: License denied

Cynthia Elaine Robertson: E-Case #3767; Order effective February 18, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Cynthia Elaine Robertson: E-Case #3768; Order effective February 18, 2016.
Violations: 31A-23a-107 – Failure to meet the trustworthy character requirements for licensing;
31A-23a-111(5)(b)(i) – Unqualified for a license.
License Limitation: License denied

Stephen Allen Eicholtz: E-Case #3746; Order effective January 19, 2016.
Violations: 31A-26-213(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application
31A-26-203(2)(b) – Failing to report an administrative taken against you in another jurisdiction
License Limitation: License denied

Joshua Pondexter: E-Case #3741; Order effective January 13, 2016.
Violation: 31A-23a-111(5)(b)(ix) – Providing incorrect, misleading, incomplete, or materially untrue information in the license application.
License Limitation: License denied

Mauricio Melendez: E-Case #3740; Order effective January 14, 2016.
Violations: 31A-23a-111(5)(b)(xxiii) – Having been convicted of a felony involving dishonesty
31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(iv) – Failure to pay final judgment rendered by the state
31A-23a-111(5)(b)(i) – Unqualified for a license
License Limitation: License denied

Franklin Huggins: E-Case #3707; Order effective January 15, 2016.
Violations: 31A-23a-107 – Failure to meet the character requirements for licensing
31A-23a-111(5)(b)(xvi) – Used fraudulent or dishonest practices or demonstrated untrustworthiness or financial irresponsibility in the conduct of business in this state; and
31A-23a-111(5)(b)(xxiv) – Engaged in methods or practices that endangered the legitimate interests of his customers or the public in conducting business.
License Limitation: License denied

Timothy V. Provost: E-Case #3709; Order effective January 28, 2016.
Violations: 31A-23a-111(5)(b)(xvi) – demonstrating untrustworthiness or financial irresponsibility in the conduct of business;
31A-23a-107 – failure to meet the character requirement for licensing;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

Public Letter of Admonition

Gallagher Benefit Services, Inc.: I-Case #68081; dated December 19, 2016.
Violation: 31A-23a-103 and 31A-23a-402 – An individual licensee may not advertise as a consultant without a consultant license. Respondent’s marketing material was misleading.
Public Letter of Admonition

Arla Jean Huck: I-Case #67793; dated October 17, 2016.
Violation: 31A-23a- 402(8) – An individual licensee may not engage in any unfair or deceptive acts or practices in the business of insurance.
Public Letter of Admonition

Jose Ornelas: I-Case #67258; dated May 23, 2016.
Pursuant to 31A-23a-302(7) – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 Annual and Controlled Business Reports by the annual due date of April 30.
Public Letter of Admonition

John V. Mayer: I-Case #67260; dated May 25, 2016.
Pursuant to 31A-23a-302(7) – An individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 Annual and Controlled Business Reports by the annual due date of April 30.
Public Letter of Admonition

Jamie L. Hudson: I-Case #67217; dated May 19, 2016.
Pursuant to 31A-23a-302(7) – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 and 2015 Annual and Controlled Business Reports by the annual due date of April 30;
31A-23a-415 – Failure to pay an assessment when due.
Public Letter of Admonition

Michael P. Chabries: I-Case #67217; dated May 19, 2016.
Pursuant to 31A-23a-302(7) – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 and Admin. Rule R592-11 – Failure to file the 2016 and 2015 Annual and Controlled Business Reports by the annual due date of April 30;
31A-23a-415 – Failure to pay an assessment when due.
Public Letter of Admonition

AAA Bail Bonds: I-Case #67240; Dated June 3, 2016.
Violations: 31A-35-402 – Allowed a bail bond producer to issue a bail bond in the state without holding a current designation from a bail bond company;
R590-186-6 – Failure to issue bail bonds through a designated agent.
Public Letter of Admonition

Lydolph & Weierholt Title Insurance Agency: I-Case 67263; dated May 24, 2016.
Violations: 31A-23a-413 – Failure to file the 2016 Annual and Controlled Business Reports for calendar year 2015, by the annual due date of April 30;
Admin. Rule R592-11 – Annual and Controlled Business Report filing requirements.
Public Letter of Admonition

Paul Lydolph: I-Case 67263; dated May 24, 2016.
Pursuant to 31A-23a-302(7), – an individual licensee is responsible for the actions of the agency as a designated licensee and as the qualifying title individual.
Violations: 31A-23a-413 – Failure to file the 2016 Annual and Controlled Business Reports for calendar year 2015, by the annual due date of April 30;
Admin. Rule R592-11 – Annual and Controlled Business Report filing requirements.
Public Letter of Admonition

Old Republic National Title Insurance Company: I-Case 66813; dated March 14, 2016.
Violations: 31A-23a-115 – Appointment of individual and agency insurance producer, limited line producer, or managing general agent – Reports and list;
Admin. Rule R592-244-4 Requirement to electronically submit license applications, appointments, designation, and license amendments. Old Republic National Title Insurance Company failed to reappoint TitleFirst Title Insurance Agency company appointment.
Public Letter of Admonition

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

None

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

Morgan Insurance Company: E-Case #3865; Order effective March 7, 2017.
Violations: R590-238-6 – Respondent failed to submit annual audits;
31A-37-501(2)(a) – Respondent failed to submit annual report;
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.
Forfeiture: $5,300

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

Timothy V. Provost: E-Case #3989; Order effective August 10, 2017.
Violation: 31A-23a-111 (5)(b)(xvi) – Demonstrated untrustworthiness or financial irresponsibility in the conduct of business.
License Limitation: 24 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

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

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

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

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

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

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

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 upon license reinstatement

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

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

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

Joey S Webb Agency: E-Case #3849; Order effective January 25, 2017.
Violations: 31A-2-202(6) – Failed to submit accurate and complete information to the commissioner;
31A-23a-111(5) – Reckless or negligent agency supervision, allowed producers to forge another’s name to insurance applications and documents related to insurance transactions, demonstrated untrustworthiness;
31A-23a-302(2)(b) and (7)(a) – Failed to report producers terminated for cause;
31A-23a-302(2)(a) and (7)(a); R590-244(12)(1) – Allowed non-designated producers to represent the agency;
31A-23a-402(1)(a) – Committed unfair marketing practices;
Forfeiture: $9,500

License Surrendered

Brett Labrum: E-Case #3944; Order effective October 26, 2017.
Violation: 31A-23A- 111(8) – Licensee may not apply for any insurance license within the State of Utah within 5 years of the date of this agreement.
License Limitation: Surrendered in lieu of administrative action

Parker David Reed: E-Case #3940; Order effective Oct. 5, 2017.
Violation: 31A-23A-111(8) – Surrender of license in lieu of administrative action.
License Limitation: Surrendered in lieu of administrative action

Ryan Bennett Edwards: E-Case #3923; Order effective October 2, 2017.
Violations: 31A-2-202(1), (4), and (6) – Failed to submit accurate and complete information to the commissioner, failed to cooperate, failed to reply promptly and in writing;
31A-23a-107(2) – Failed to meet character requirements;
31A-23a-111(5) – Violated insurance statute(s), rule(s) and a valid order of the commissioner, used fraudulent and dishonest practices, demonstrates untrustworthiness, financial irresponsibility, refused to produce records and files for examination;
31A-23a-402(1) – Communicated false and misleading information in other instances;
31A-23a-409(1) and (6) – Failed to promptly deposit money into the trust account, diverted money from the trust account into another account; and
31A-31-103(1) – False representation in a limited lines application submitted to the Department.
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.
Violations: §31A-31-103(1) – Committed two fraudulent insurance acts, Third District Court Case #151905709 FS, false certification in the agency and individual producer renewal applications.
31A-2-202(6) – Failed to submit accurate and complete information to the commissioner;
31A-23a-105(2) – Provided materially untrue information in license renewal applications;
31A-23a-107(2) – Failed to meet character requirements;
31A-23a-110(2) – Failed to report assumed names;
31A-23a-111(5) – Was found to have committed an insurance unfair trade practice or fraud, used fraudulent and dishonest practices, demonstrates untrustworthiness, and obtained licenses through fraud or misrepresentation;
31A-23a-203.5(1) – Failed to maintain errors and omissions insurance coverage;
31A-23a-402(1) – False representation of errors and omissions insurance coverage, communicated false and misleading information in other instances; and
31A-23a-409(2) – Failed to identify the agency trust account.
License Limitation: Surrendered in lieu of administrative action

Kelstrom, Sean L.: E-Case #3911; Order effective: June 16, 2017.
Violations: 31A-23a-111(5)(b)(xiii)(A) – Intentionally misrepresented terms of actual or proposed insurance contract; and
31A-23a-402(1)(a)(i)(A) – Provided falsified Annual Statement to the Insured.
License Limitation: Surrendered in lieu of administrative action

Rebel Bail Bonds Inc. and Melody Brady: E-Case #3864; Order effective February 23, 2017.
Violations: 31A-35-603 – Failure to return collateral; and
31A-35-504 – Failure to pay forfeiture judgments.
License Limitation: Surrendered in lieu of administrative action

James Duane Trejo: E-Case #3848; Order effective February 7, 2017.
Violations: 31A-23a-107; Character requirements. Termination for cause by Insurer.
License Limitation: Surrendered in lieu of administrative action

J. Duane Trejo Insurance Agency: E-Case #3848; Order effective February 7, 2017.
Violations: 31A-23a-107; Character requirements. Termination for cause by Insurer.
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