PA Department of Insurance >  Enforcement  > Bureau of Enforcement > 2008 Field Investigations A-F
2008 Field Investigations A-F
The Field Investigations Division investigates insurance companies, insurance agencies and insurance producers suspected of violating Pennsylvania’s insurance statutes and regulations. In some cases, the parties referenced did not admit any liability. To view the concluded investigations, choose the appropriate link below.   
            
                          
                      
 
3 Mark Financial Texas, Inc. (Sugarland, TX) 12/08
Failed to report actions taken against the entity in 2006 from Kentucky and Texas for not timely filing required viatical settlement reports. $1,000 penalty; five year license supervision.
 
 
 
 
Adams, Jason Richard (Creve Couer, Missouri) 12/08
Failed to report other state actions in Florida, Missouri and Virginia and failed to disclose a criminal history on his non-resident title agent license for the commonwealth.  Three year license supervision.
 
AIG Casualty Company   (Philadelphia, PA)  3/08
See American International Insurance Group, Inc.
 
Allied Insurance Brokers, Inc. (Pittsburgh, PA) 12/08
Performed 27 filings on surplus lines policies sold by producers who were not licensed in surplus lines.  $4,000 penalty; three year license supervision.
 
Almeyda, Katherine  (York, PA)  5/08
Felony conviction, § 1033 waiver; Indefinite supervision of producer license
 
American Diversified Services, Inc. (Horsham, PA) 7/08
$5,000 penalty and five-year license supervision for failing to timely remit policyholder premiums, resulting in cancellation notices being sent to homeowners.  All policies were reinstated.

American International Insurance Group, Inc.  (Philadelphia, PA) 3/08

Alleged scheme involving contingent compensation; $6,600,000 fine, $2,613,350 costs, $2,525,400 reimbursement of investigative costs, $1,813,613 premium taxes, 3-year reporting obligation, additional business reforms, disclosure to prospective policyholders and a compliance program

 

American Business & Personal Insurance Mutual, Inc.  (Chicago, IL)  2/08

Late filing of workers compensation accident & sickness report; $3,000 penalty

American International South Insurance Company  (Philadelphia, PA)  3/08

See American International Insurance Group, Inc.

 

American Investors Life Insurance Company  (Topeka, KS)  3/08

Failure to properly oversee producers on annuity sales; $78,000 payment for administrative and legal fees, cooperation with related investigations, full enforcement of current compliance plan

 

AmerUs Life Insurance Company   (Des Moines, IA)  3/08

See American Investors Life Insurance Company

 

Aon Risk Services Central, Inc. (Chicago, IL) 10/08

Procured a surplus lines policy through an affiliate, although paid the surplus lines taxes as though it were independently procured.  $5,000 penalty; five year license supervision.

 

Argonaut Insurance Company   (Chicago, IL)  4/08

Untimely submission of Workers’ Compensation Accident & Illness Prevention Report; Cease and desist

 

Argonaut-Midwest Insurance Company   (Chicago, IL)  4/08

Untimely submission of Workers’ Compensation Accident & Illness Prevention Report; $5,000 penalty, Cease and desist


Assurance Group (The)
  (Archdale, NC) 9/08
$5,000 penalty and two-year license supervision for mailing deceptive advertisements to Pennsylvania homeowners in 2007.

Axis Reinsurance Company   (Alpharetta, GA)  4/08

Untimely submission of Workers' Compensation Accident & Illness Prevention Report; Cease and desist

 

 
B  
 
Bender, Suanne   (Quakertown , PA)  1/08

Felony conviction; indefinite license supervision granted with approved § 1033 waiver application

Besch, Edmund S.   (Westfield, NY)  5/08

Failure to report a 2005 $2,0000 fine by the New York Insurance Department; $1,000 penalty, three-year license supervision

            
Better, Cora E. (Pittsburgh, PA) 9/08
Three-year license supervision for failing to respond to six departmental requests for information
See American International Insurance Group, Inc.

Bradley, James T., Sr. (Broomall, PA) 9/08
Five-year license supervision for misrepresenting information on a policyholder's auto insurance policy

Bristol-Burgess, Inc.   (Westfield, NY)  5/08
See Besch, Edmund S.

Brokerage Professionals, Inc. (Media, PA) 9/08
$3,000 penalty and future license supervision for procuring surplus lines insurance and collecting premium in 2006 that netted $11,289.03 in surplus tax that was not remitted to the Pennsylvania Department of Revenue until March 2008.

 
C   
 
Cearfoss, Daniel E. (New Castle, PA) 10/08
Three-year license supervision for a criminal conviction disclosed on his motor vehicle physical damage appraiser license.

Celaschi, Larry M.  (Stockdale, PA) 9/08
Five-year license supervision for selling an insurance policy without proper appointment authority and using his personal money to make a premium payment for a policyholder

Chester, Linda   (Philadelphia, PA)  6/08

Failed to satisfy fiduciary duties to company; failed to forward premium; failed to cancel coverage; Cease and desist, restitution to AIG,$3,500 penalty, five-year license supervision

 
Cipriano, Thomas M.   (Philadelphia, PA)  6/08

Felony conviction, § 1033 waiver; Indefinite supervision of producer license

 
Clarendon National Insurance Company   (New York, NY)  4/08
Untimely submission of Workers' Compensation Accident & Illness Prevention Report; Cease and desist.
 
Cmil, Paul J.   (Allentown, PA)  5/08

Felony conviction; § 1033 waiver; Indefinite supervision of producer license

 
Cone, Leroy H. (Hanover, PA) 12/08
1989 military conviction, which was not disclosed on license application.  Three year license supervision.
 
Cowan, Lawrence P.   (Garnet Valley, PA)  6/08

Failed to disclose two felony and two misdemeanor convictions on six occasions and on initial producer application, used Social Security Number of a deceased person; Revocation, five-year future license supervision

 
 
D   

D&L Business Services, Inc.   (Philadelphia, PA)  6/08
See Chester, Linda
 
Dallmer, Thomas C.   (Burlington, NJ)  6/08

Felony conviction, § 1033 waiver, Failure to disclose 1981 misdemeanor conviction on 1033 application; Indefinite supervision of producer license, $1,000 penalty

Davis, Lee E., Jr.  (West Chester, PA) 9/08
License surrender and five-year license supervision for previously collecting premiums for policies never issued and failing to report three criminal arrests n 2006 at the time of his license renewal. Penalty: License surrender; five year license supervision

 

DeLeon, Marco  (Conshohocken, PA) 10/08

Indefinite supervision of producer license for prior felony conviction. §1033 waiver granted. 


Delp, Jr., Matthew A.
  (Douglassville, PA )  1/08

Unauthorized use of license number for annuity sales; license surrender

Douglas, Larry R.   (Croydon, PA)  3/08

Felony conviction; indefinite license supervision of motor vehicle physical damage appraiser license granted with approved § 1033 waiver application

Duval, Philip (PH Insurance Agency) 
(Chester, PA) 9/08
$10,000 penalty and five-year license supervision for insufficient funds in 2005 and 2006

 
Electric Insurance Company   (Beverly, MA)  5/08
Untimely submission of Workers' Compensation Accident & Illness Prevention Report; Cease and desist
 
Encompass Insurance Company (Northbrook, IL) 7/08
$10,000 and cease and desist order for untimely submission of Workers' Compensation Accident & Illness Prevention report.
 
Esurance Insurance Company   (San Francisco, CA)  6/08
Untimely submission of Workers' Compensation Accident & Illness Prevention Report; Cease and desist, $2,500 penalty
 
 
Fani, Louis J., Jr. (Pittsburgh, PA) 9/08
Three-year license supervision for a 2005 misdemeanor conviction which was fully disclosed on his license application
 
Ferrer, Ramona B.   (Harrisburg, PA)  5/08
Failure to report 2007 felony arrest for Access Device Fraud; Revocation, Five-year future license supervision
 
Filter, Bryant R.  (Mars, PA) 8/08
Surrendered producer license for admitting to collecting over $4.2 million in 2006 and 2007 by falsifying insurance applications to collect multiple premium financing payments made to non-existent clients
 
Foreman, Randall N.   (Palestine, TX)  6/08
Operated unregistered fictitious entity name; represented himself as a financial planner; Cease and desist, five-year license supervision
 
Freeman, Charles W.   (Davidsville, PA) 12/08
Failed to file federal tax returns for 1999, 2000, 2001 and 2002.  License revocation; five year future license supervision.
 
Froio, Frank Vincent (Lester, PA) 11/08
Established an office within a previously revoked insurance agency; while at that location Froio accepted premium, on nine occasions, from Arizona Premium Finance Company without the consent, knowlege or signed contract of the policyholders and deposited those funds into another business account.  Five year license supervision.
 
Fultz, Clarice (Lawrenceville, GA)

Signed applicants’ names to electronic applications 33 times between 2006 and 2008, and failed to update her address on file with the Department.  Five year license supervision.

     
 
                      consent orders, field investigations, market conduct exam, enforcement 03/01/2004 10:20 AM 02/26/2009 08:38 AM 02/26/2009 08:38 AM 02/26/2012 08:38 AM "Melissa Fox" "Christine Diep"