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Administrative Actions Against Licensees

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Insurer Licenses:

Individual & Agency Licenses:

 


Insurer Licensees


Settlement Agreement & Consent Order

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.

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Cease & Desist Order

Vision Care Direct: E-Case #3773; Order effective May 19, 2016.
Violation(s): 31A-4-102,103 qnd 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

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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.
Limitations: COA surrendered

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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.
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.
Limitations: 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.
Limitations: 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.
Limitations: COA revoked

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Probation

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 in 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

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Suspension

None

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Cancellation

New 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

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Forfeiture

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.
Violation(s): 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.
Violation(s): 31A-4-102,103 qnd 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

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.
Violation: 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 in 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.
Violation: 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

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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

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Individual & Agency Licensees


Cease & Desist Order

Keystone Insurance ServicesE-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

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

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Revocation

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.
Violation(s): 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-23a106 – 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

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 she 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.
Violation(s): 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

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Suspension

None

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Probation

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 withe 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 PlansE-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

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 ServicesE-Case #3619; Order effective June 15, 2015.
Violation(s): 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 GrayE-Case #3619; Order effective June 15, 2015.
Violation(s): 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

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

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: $6,278.00, with $5,278.00 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

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Forfeiture

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

Traverse Title Insurance Agency, LLC: E-Case #3779; Stipulation and Order effective June 20, 2016.
Respondent was assessed a $1,000 forfeiture for failing to file its 2016 Annual and Controlled Business Reports by the annual due date of April 30.  Respondent requested a Hearing on the matter.  Prior to Hearing, a settlement was reached between the respondent and the Department. 
Violation: 31A-23a-413 – Respondent failed to file its 2016 Annual and Controlled Business reports by the annual due date of April 30. 
Forfeiture: $0

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.
Violation: 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 withe 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.
Violation(s): 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 statue when it failed to include proper disclosures in its contracts.
Forfeiture: $10,000

Boulder Administration ServicesE-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 PlansE-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(s): 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.
Violations: 31A-35-607 – Failed to use required, filed forms.
Forfeiture: $2,000

Bert J. Christenson: E-Case # 3721; Order effective February 18, 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-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.
Violations: 31A-8a-202 – Operated health discount program on a lapsed license.
Forfeiture: $750

StoneHaven Dental: E-Case #3724; Order effective February 9, 2016.
Violations: 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

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.
Violation: 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 in 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 ServicesE-Case #3619; Order effective June 15, 2015.
Violation(s): 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 GrayE-Case #3619; Order effective June 15, 2015.
Violation(s): 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, LCE-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
Limitations: 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

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License Surrendered

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. 
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

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.

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License Denied

New 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

New 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

New 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 an 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 judgement rendered against you in this state;
31A-23a-111(5)(b)(i) – unqualified for a license.
License Limitation: License denied

New 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

New 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 statue.
License Limitation: License denied

New 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 statue.
License Limitation: 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

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

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

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

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

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

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

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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.
Violation: 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.
Violation: 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.
Violation: 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.
Violation: 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.
Violation: 31A-23a-413 – Failure to file the 2016 Annual and Controlled Business Reports forcalendar 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.
Violation: 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

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

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