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VOL 15, NO. 1
March 2006
What’s Inside:
Agency Licensing &
Registration . . . . . . . . . .1
Viatical Legislation . . . . . . . 2
Exam & License Issuance . . 3
PUBLICATION FOR AGENTS, ADJUSTERS AND OTHER LICENSEES
FROM THE FLORIDA DEPARTMENT OF FINANCIAL SERVICES
Agency Licensing & Registration
Prior to last year’s legislative session, insurance agencies operated in Florida
without any type of regulatory license from the state. While in past years the
Department of Financial Services spent thousands of man-hours investigating
complaints involving misappropriation or mishandling of insurance fiduciary
funds, we were unable to track, monitor or perform a background check
on any insurance agencies or their owners.
Agency owners with criminal histories were
outside the department’s jurisdiction.
Consumer e-Views Info. . . . .3
According to the National Association of
Insurance Commissioners, we were the
last state in the nation to gain legislative
approval for some type of agency licensing.
Commencing October 1, 2006, as a result of
the passage of Senate Bill 1912, all insurance
agencies must be either registered or licensed
by the department.
Case Notes . . . . . . 4 - 5
Fraud Investigations &
Prosecutions Funding . . . . 5
Memorandums . . . . . . 6 - 7
Bulletin to Agents . . . . . . . 7
Company Acquisitions . . . 8 - 9
Companies New
to Florida . . . . . . . .10 - 15
CFOʼs Top Ten
Frauds List . . . . . . .16 - 17
Agent Referral Service . . . . 17
Disciplinary Actions . . .18 - 19
Division Phone Numbers . . . 20
Notice about Addresses . . .20
Tom Gallagher
Chief Financial Officer
The distinguishing differences between
registration of an agency and licensing of an agency is dependant upon the
date the agency started its business and the ownership of the agency.
Registration applies to agencies that have been in business prior to January
1, 2003, and are one of the following:
• Any agency wholly owned by insurance agents currently licensed
and appointed
• An incorporated agency whose voting shares are traded on a
securities exchange
• An agency whose primary function is offering insurance as a service
or member benefit to members of a nonprofit organization
Licensure applies to agencies that:
• Went into business after January 1, 2003
• Are not wholly owned by currently licensed and appointed insurance
agents
Owners and officers of an agency qualifying for registration will not be
required to submit fingerprints to the department. Owners and officers
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of an agency qualifying for licensure must meet the
fingerprinting requirements now specified in section An automated application is currently being developed
that will allow agencies to apply online and avoid the
626.172, Florida Statutes.
hassle of paper. This automated application will be
There is no application, registration or licensing fee available on the department website.
associated with the new agency licensing/registration
requirement. Agency registration and licensure must In an effort to be responsive and provide the best
be renewed every three years, and there are no fees possible early information, we prepared a Questions &
Answers brochure which is posted on the department
connected with renewals either.
website at www.fldfs.com/agents. As new questions are
Other requirements the law imposes include the asked of department staff the brochure will be updated
prohibition of the use of deceptive insurance agency and posted on the website. Please take the time to
names that may mislead the public or imply that review the brochure today or sometime in the near
the agency is a state or federal entity or a charitable future. Many of your questions are answered in this
organization. It also requires that each agency display document.
its license or registration prominently in a manner that
is clearly visible to a customer. The law also repeals
the requirement that a primary agent be designated for Tom Gallagher is Florida’s chief financial officer and
each agency location. Any agency failing to apply for state fire marshal.
registration or licensure can be fined by the department.
Viatical Legislation
During the 2005 legislative session a measure passed that will
better protect consumers from fraudulent viatical companies. The
new law will define viatical settlements as “securities” and place
regulatory authority over the viatical industry with the Office of
Financial Regulation. Viatical settlement providers match those
who want to sell their life insurance policies at a discount with
investors willing to buy the rights to those policies.
This legislation allows the department to effectively root out and
prosecute the fraudulent operators in this industry. The legislation
will require investments in viatical settlements to be subject to
Florida securities statutes.
For investors, the new law would mean access to company information. Promises made to investors would also
have to be documented and approved by state regulators, and a determination of the investment’s suitability
would have to be considered, including the purchaser’s financial and tax status, and the purchaser’s investment
objectives. Additionally, to better protect investors from fraud, the bill requires individuals who estimate the life
expectancies on policies purchased by investors to be registered with the Office of Insurance Regulation.
Viatical settlement companies would also be required to provide regulators the names of the life expectancy
providers it has used. The legislation would also require brokers selling viaticals to be registered with the Office of
Financial Regulation.
It is estimated that viatical fraud has cost investors $2 billion since 1996. Prior to this law entering the books,
Florida was one of only four states not to have regulated viatical investments as securities. The average age of those
defrauded by viatical companies is 70 and the average amount swindled is $40,000.
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Exam and License Issuance
T
he Examination and License Issuance program for the Bureau of Licensing has changed
vendors as of September 1, 2005. The new vendor, Promissor, was selected after the prior
contract expired on August 31, 2005.
Necessary Information
* The Promissor website is www.Promissor.com.
* Promissor Call Center phone number is 888-274-2020.
* Testing sites have expanded from 15 to 21 locations througout Florida.
* Hours of testing have expanded to include nights and weekends where test volumes are high.
* Promissor’s Call Center is open 7 days a week. Please visit their website for hours of operation.
* Online examination scheduling is now available.
* ‘Walk-In’ service for Photo ID issuance is available at permanent test sites.
* Same day testing is possible if seats are available.
* For more information, please visit the department’s website at www.fldfs.com.
Stay Informed with Consumer eViews
T
o stay informed of developments
on financial services issues
relating to insurance fraud, unclaimed
property, fire safety, state government
accountability, consumer financial tips
and assistance, subscribe to Consumer
eViews. This is a weekly newsletter
created by the Florida Department of
Financial Services that we e-mail to
interested parties.
Consumer eViews is our way of using
technology as a cost-effective means
to easily communicate with you
about important issues in the state
of Florida. The mailing list for this
newsletter includes professionals,
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consumers, government employees
and elected officials. Subscription is
free and available to all who may be
interested.
Included in the newsletter is
information about the services
available from the Florida Department
of Financial Services as well as issues
that come before the Florida Cabinet.
Please pass this message along to any
friends, colleagues and clients who
would like to receive our newsletter.
To subscribe, go to the following
web site: http://www.fldfs.com/
PressOffice/Newsletter.
Click
the button on the left that reads
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“Subscribe to Consumer eViews.”
We are interested in writing more on
issues of particular public interest.
Suggestions for possible article topics
from insurance professionals are
welcome by both Consumer eViews
and the Intercom.
T
he following are instances
in which licensees or other
persons violated the Florida Statutes
or administrative rules governing
insurance activities. Below are
the administrative actions the
department has taken against
them. Note: All administrative
investigations are subject to referral
to the Division of Insurance Fraud for
criminal investigation.
CASE NOTES
CASE: In the aftermath of a hurricane,
an independent adjuster admittedly
entered into several contracts to
adjust claims as a public adjuster
without being properly licensed
and appointed. He also conducted
business as an independent adjuster
without the benefit of an appointment
and failed to file a primary
adjuster form with the department.
DISPOSITION: The adjuster agreed to
a settlement stipulation surrendering
his license and eligibility for licensure
and appointment. The surrender of
the license had the same force and
effect as a revocation.
CASE: An appliance and electronics
dealer failed to remit premiums
he collected from the sale of
extended warranties for several
business locations. Florida Statutes
direct premiums to be forwarded
to the insurer in a timely manner
in accordance with the agreement
between the two parties.
DISPOSITION:
A
settlement
stipulation was entered into whereby
the dealer received an administrative
penalty in the amount of $10,000 and
one (1) year probation for failing
to remit premiums from the sale
of approximately $160,000 worth
of service warranty contracts in a
timely fashion.
CASE: An administrative complaint
was filed against a life and health
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Case Notes
agent, alleging misrepresentations
and material omissions regarding
the sale of annuities to senior
citizens, falsifying information on
long-term care policy applications,
and using fraudulent statements for
the purpose of inducing an insured
to replace one nursing home policy
with another.
DISPOSITION: In lieu of an
administrative hearing, the agent
signed a settlement stipulation,
wherein he agreed to a six-month
license suspension, with a one-year
probation upon reinstatement.
CASE: An investigation was initiated
concerning a general lines agent
after complaints were received that
he mishandled premium funds,
failed to remit premiums to an
insurer resulting in the cancellation
of an insured’s policy, and failed to
make refunds to insureds in a timely
manner.
DISPOSITION: The agent signed
a settlement stipulation agreeing
to the surrender of his license for
revocation, and to be permanently
ineligible from receiving any license
or permit issued by the department.
CASE: An investigation of an adjusting
firm showed that unlicensed health
adjusters were employed to adjust
health claims, and that no primary
adjuster was designated.
DISPOSITION: The president of
the adjusting firm entered into a
settlement stipulation ensuring
that all of the employees of the
firm immediately cease and desist
from acting as adjusters until such
persons are licensed as public health
adjusters. The firm was also required
to ensure that a sufficient number of
employees would apply, qualify for,
and obtain public adjuster licenses
and appointments to handle the
firm’s volume of business. A $5,000
administrative penalty was also
imposed.
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CASE: An administrative complaint
was issued against a bail bond agent
alleging that the agent failed to return
$3,000 in collateral to an indemnitor
in a timely manner.
DISPOSITION: In lieu of an
administrative hearing, the bail bond
agent signed a settlement stipulation,
wherein he agreed to the surrender
of his license to the department.
The surrender of his license had the
same force and effect of a permanent
revocation.
CASE: A consumer complaint alleged
that a general lines agent failed
to timely reimburse the unearned
premium on her auto insurance
policy. Further investigation revealed
multiple counts of the same allegation
by the general lines agent, as well
as, the failure to refund unearned
commissions to consumers in a
timely manner.
DISPOSITION: The department
issued a consent order as the result
of a settlement stipulation that
imposed a $4,000 fine and one-year
probation. In addition, the agent
shall refund monies due insureds in
a timely manner.
CASE: A public adjuster in south
Florida was investigated by the
Division of Insurance Fraud after
the adjuster knowingly submitted
fraudulent work authorizations in
order to support an inflated claim for
a structure repair.
DISPOSITION: The licensee waived
his right to an administrative hearing
and surrendered his license, with
the understanding that the surrender
has the same force and effect as a
revocation.
CASE: An administrative complaint
was filed against an agent who was
licensed to transact life, health, and
variable annuities. The complaint
alleged that the agent had aided and
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abetted two health plans, neither of which possessed
a certificate of authority to engage in the business of
insurance in Florida and, therefore, were considered
unauthorized entities. This left the consumers with
unpaid medical claims.
DISPOSITION: The matter was settled by consent
order, which required the agent to cease and desist
representing any unauthorized insurers, make restitution
to the victims who had unpaid medical claims, and
be subject to continuing audits of records to ensure
compliance in addition to completing continuing
education requirements relative to unauthorized entities.
The order also provided that the agent reimburse the
department for legal fees in the sum of $10,000 and be
placed on probation for a period of two (2) years.
CASE: An investigation was opened on a South Florida
title insurance agency for allegations that there was no
full time title agent in charge of the agency, that it was
not appointed, and that they failed to pay the 2004
administrative surcharge.
DISPOSITION: The president of the agency signed a
settlement stipulation surrendering the agency license to
the department. The surrender has the same force and
effect as a revocation.
Fraud Investigations & Prosecutions
Get a Boost
During the 2005 legislative session, legislators approved a request from Chief Financial Officer Tom Gallagher
for funding to add more law enforcement investigators to look into Personal Injury Protection (PIP) fraud and
workers’ compensation fraud and a dedicated prosecutor to take on the expected increase in arrests.
The request for the funding was in the department’s budget request and included funding for six PIP fraud
investigators, a lieutenant, a crime intelligence analyst, and a secretary to allow the Department of Financial
Services, Division of Insurance Fraud, to create a dedicated squad in South Florida where most of the arrests
occur. Legislators also approved funding for a dedicated prosecutor to prosecute PIP fraud and funding to add
three new workers’ compensation fraud investigators throughout the state.
There are more than 200 PIP fraud arrests a year and aggressive sentencing guidelines that include a minimum
two-year prison sentence for participating in a staged accident or soliciting an accident victim with the intent
to commit insurance fraud. Even with this strong enforcement in place, schemes perpetuate and Florida’s
consumers get the bill. With more resources the department will be able to better protect Florida’s citizens.
During the last fiscal year the Fraud Division’s Bureau of Workers’ Compensation Fraud made 213 arrests
and had 99 convictions. This number may seem low due to a delay of up to two years between arrest and
prosecution. Employers who fail to carry coverage for their workers, employers who fraudulently avoid paying
the proper insurance premiums, and claimants who lie about the extent of their injuries are included in these
numbers.
“PIP fraud and workers’ compensation fraud create not only a financial burden but a real public risk,”
Gallagher said. “We have criminals driving around looking for an accident, and we have potentially thousands
of workers who may not have access to the medical care they would need if they are hurt on the job.
“Having the laws and the personnel to go after these crimes is critical, but it is equally important to show the
state is committed to going after these crimes.”
The Department of Financial Services, Division of Insurance Fraud, investigates various forms of fraud in
insurance, including health, life, auto, property and workers’ compensation insurance.
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INFORMATIONAL MEMORANDUM
OIR-05-012M
ISSUED
August 24, 2005
Florida Office of Insurance Regulation
Kevin M. McCarty, Commissioner
To All Life and Health Insurers in the State of Florida
Medicare Modernization Act of 2003 – Requirements for Medicare Supplement Carriers
Pursuant to the provisions of the Federal Medicare Modernization Act of 2003 (MMA) and Florida Rule 69O-156, F.A.C.,
companies are reminded that pre-standardized and standardized Medicare Supplement forms which contain outpatient
prescription drug benefits must provide for those benefits to be removed for those policyholder/certificateholders, issued
or renewed in Florida, who enroll in Medicare Part D (effective with their Part D coverage date) on or after January 1,
2006. The company must file and obtain the officeʼs approval of any necessary endorsements to Medicare Supplement
forms and adjustments to premium rates required to strip out these benefits on a timely basis in preparation for this
deadline.
Under section 104(a) of the MMA, insurers are required to send a notice to policyholders/certificateholders who have
prescription drug coverage during the period of September 15 through November 14, 2005, disclosing whether or
not their prescription drug coverage is creditable and the premium reduction associated with the removal of the drug
coverage should the insured enroll in Medicare Part D, along with other specified information. The inclusion of the
policyholder/certificateholder specific premium reflecting the removal of the drug benefits may suffice as the 45-day
premium change notice required by Section 627.6043(1), F.S., for notices sent within the required timeframe. Please see
http://www.cms.hhs.gov/medicarereform/CCguidances.asp.
Insurers that fail to make all filings and conform to the necessary provisions will be subject to administrative action.
If you have any questions regarding the reporting process, please contact Monica Rutkowski in Life & Health Product
Review at (850) 413-5110.
INFORMATIONAL MEMORANDUM
OIR-05-014M
ISSUED
September 1, 2005
Florida Office of Insurance Regulation
Kevin McCarty, Commissioner
To All Property and Casualty Insurers in the State of Florida
Change in Frequency of 2004 Hurricane Reporting
Pursuant to Informational Memoranda OIR-05-005M, companies are submitting certain required information to the
Florida Office of Insurance Regulation (“Office”) on a monthly basis due to the adverse effects of Hurricane Charley,
Hurricane Frances, Hurricane Ivan, and Hurricane Jeanne.
Effective immediately, the information required under the aforementioned Informational Memoranda is no longer
required to be submitted on a monthly basis. Instead, a cumulative 2004 disaster report as of December 31, 2005 shall
be submitted no later than January 31, 2006.
Companies who have not filed notarized affidavits stating that all reported claims have been closed will continue to report
claims data to the Officeʼs Market Investigations Unit upon their specific request.
Please be reminded that pursuant to Informational Memorandum OIR-05-005M, at such time as the
respective companyʼs reports for each storm reflect one hundred percent (100%) of reported claims as
closed, the company shall file a notarized affidavit, stating that all reported claims for the specified storm
have been closed. Please refer to Informational Memorandum OIR-05-005M for complete information.
Additionally, monthly QUASAR reporting required by Emergency Order 78062-04-CO and extended in Informational
Memorandum OIR-04-018 will no longer be required.
With the exception of the affidavits referenced in the above paragraph, all required information shall be submitted via
the Office website at https://apps.fldfs.com/disasterreporting/home.aspx. Each year-end submission shall contain the
cumulative results experienced by the insurer. Information for Hurricane Charley, Hurricane Frances, Hurricane Ivan,
and Hurricane Jeanne should not be combined and must be reported separately. Please have the Florida Company Code
for your company/companies available when accessing the website.
For further information, contact Belynda Shadoan at (850) 413-5160 or belynda.shadoan@fldfs.com.
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INFORMATIONAL
MEMORANDUM
OIR-05-005M
ISSUED
March 14, 2005
Florida Office of Insurance Regulation
Kevin McCarty, Commissioner
To All Property and Casualty Insurers in the State of Florida
Change in Frequency of Hurricane Reporting
Pursuant to Informational Memoranda OIR-04-008M, OIR-04-010M, OIR04-011M, OIR-04-012M, OIR-04-014M, and OIR-04-16M, companies are
submitting certain required information to the Florida Office of Insurance
Regulation (“Office”) on a weekly basis due to the adverse effects of
Hurricane Charley, Hurricane Frances, Hurricane Ivan, and Hurricane Jeanne.
Effective March 17, 2005, the information required under the
aforementioned Informational Memoranda is to be submitted
on a monthly basis.
The disaster reports shall be submitted
no later the fifth (5th) business day of the following month.
Pursuant to Informational Memorandum OIR-04-017M, the companies shall
continue to submit the monthly Line of Business reports for the immediately
preceding month no later than the fifth (5th) business day of each month.
Monthly disaster reports shall continue to be submitted until all reported
claims for each storm are closed with no additional payments expected.
At such time as the respective companyʼs reports for each storm reflect one
hundred percent (100%) of reported claims as closed, the company shall file
a notarized affidavit, stating that all reported claims for the specified storm
have been closed. Once the company has filed an affidavit with the Office, the
company will no longer be required to submit disaster reports. The affidavit
must be submitted to the Office in the same manner in which the company
is reporting via the disaster reporting website (i.e., individual/group). If
the company is reporting as part of a group, the entire group must close all
reported claims prior to submitting an affidavit to the Office. Companies
reporting on an individual basis shall submit the affidavits to the Office on
an individual company basis only. Prior to filing the affidavits, the company
must submit a complete disaster report and general claims report for each
hurricane, indicating that all claims have been settled, paid, and closed, with
no expectation to be reopened. The affidavits are to be signed by an Officer
of the company, indicating the hurricane for which the affidavits are being
submitted, and affirming all claims are closed with no additional payments
to be made by the company. A separate notarized affidavit must be filed
for each hurricane. Companies are to send the affidavits to the following
address: Belynda Shadoan, Florida Office of Insurance Regulation, Business
Development and Market Research Program, 200 East Gaines Street, Larson
Building, Tallahassee, FL 32399.
With the exception of the affidavits referenced in the above paragraph, all
required information shall be submitted via the Office website at https://
apps.fldfs.com/disasterreporting/home.aspx. Each submission shall contain
the cumulative results experienced by the insurer, not information for only the
previous week. Information for Hurricane Charley, Hurricane Frances,
Hurricane Ivan, and Hurricane Jeanne should not be combined and
must be reported separately. Please have the Florida Company Code for
your company/companies available when accessing the website.
For further information, contact Belynda Shadoan at (850) 413-5160 or
belynda.shadoan@fldfs.com.
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Important
Reminder
A
ppointment
activity
does not update or
change an agent’s address.
While the appointing entity
may have your new address,
it is not transmitted to the
department in the appointing
process. The same is true
for initial appointments,
cancelled appointments and
non-renewed appointments.
If the licensee’s residential
address, principal business
street address or mailing
address has changed, it is the
responsibility of the licensee
to advise the department of
the change.
Changes to mailing
and e-mail addresses can
be made at the department’s
website,
located
at
https://aalf.fldfs.com.
Failure to update your
address records with the
department can result in an
administrative action against
your license.
Company Acquisitions
Acquisition of Capitol Preferred Insurance Co. by
Van D. Fishback and Robert E. Fishback was approved
on August 16, 2005. Lines of Business: Property and
Casualty. Address: 2255 Killearn Center Boulevard,
Ste. 101, Tallahassee, FL 32309.
Acquisition of Cananwill, Inc. by Aon Corporation
was approved July 12, 2004. Lines of Business:
Premium Finance. Address: 1000 North Milwaukee
Ave., Glenview, IL 60025.
Acquisition of Interstate National Dealer Services
of Florida, Inc., by CJCL Investments, L.P. was
approved July 27, 2004. Lines of Business: Auto
Warranties. Address: 333 Earle Ovington Blvd., Suite
700, Uniondale, NY 11553.
Acquisition of Freedom Protection Plan, Inc. by
Peter R. Moore, was approved on August 16, 2005.
Lines of Business: Auto Warranties (Motor Vehicle
Service Agreement Company) Address: 22 Northeast
22nd Ave., Pompano Beach, FL 33062-5202.
Acquisition of Florida Healthcare Providers
Insurance Exchange by MIMI Malpractice, LLC,
was approved on August 13, 2004. Lines of Business:
Medical Malpractice. Address: 1000 S. Pine Island
Road, Suite 230, Plantation, FL 33324.
Acquisition of Liberty American Insurance
Co. by Mary Frances Maguire was approved on
August 5, 2005. Lines of Business: Commercial
Multiperil, Inland Marine, Workersʼ Compensation,
Other Liability, Commercial Automobile Liability,
Commercial Auto Physical Damage, Accident and
Health, Mobile Home Multiperil, Mobile Home
Physical Damage, Fire, Allied Lines, Private Passenger
Auto Liability, and PPA Physical Damage. Address:
7785 66th Street North, Pinellas Park, FL 33781.
Acquisition of Allstate Floridian Indemnity Co.
by Allstate Floridian Insurance Co. was approved on
October 5, 2004. Lines of Business: Fire, Allied Lines,
Homeowners Multiperil, Commercial Multiperil,
Inland Marine, Earthquake, Other Liability, Private
Passenger Auto Liability, Commercial Automobile
Liability, PPA Physical Damage, Commercial Auto
Physical Damage, Glass, Burglary and Theft, Boiler
and Machinery, Mobile Home Multiperil, Mobile
Home Physical Damage Address: 2775 Sanders Road,
A2, Northbrook, IL 60062.
Acquisition of Mobile USA Insurance by Mary
Frances Maguire was approved on August 5, 2005.
Lines of Business: Allied Lines, Homeowners
Multiperil, Commercial Multiperil, Inland Marine,
Workersʼ Compensation, Other Liability, Commercial
Automobile Liability, Commercial Auto Physical
Damage, Mobile Home Multiperil, Mobile Home The continuing care retirement community
Physical Damage, Accident and Health. Address: acquisitions of South Port Square, LLC, Lake
7785 66th Street North, Pinellas Park, FL 33781.
Port Square, LLC, Regency Oaks, LLC, acquired
by SHP Senior Housing Holdings, LLC, SHP Senior
Acquisition of Sears, Roebuck & Company by Sears Housing Properties, LLC, JE Florida Properties, LLC,
Holdings Corp., was approved on August 9, 2005. and JE Independent Living Properties, LLC, was
Lines of Business: Service Warranties (Non-Auto). approved October 18, 2004. Lines of Business: Life
Address: 333 Beverly Road/ B5-207A, Hoffman Care Facilities Address: 630 5th Ave., 29th Floor,
Estates, IL 60179.
New York, NY 10111.
Acquisition of Modern Air Conditioning, Inc., by
ELC Holding Co., was approved on August 5, 2005.
Lines of Business: Service Warranties (Non-Auto).
Address 5520 Division Drive, Ft. Myers, FL 33905.
Acquisition of Universal Property & Casualty
Insurance Co. by Sean Downs and Bradley Meier
was approved on October 12, 2004. Lines of
Business: Inland Marine, Allied Lines, Homeowners
Multiperil, Fire, Other Liability Address: 2875 NE
Acquisition of Argus Health Systems, Inc. by (a 191st Street, Suite 300, Miami, FL 33180.
Third Party Administrator) was approved on June 8,
2005. Lines of Business: Third Party Administrator.
Address: 1300 Washington St., Kansas City, MO
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64105.
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Company Acquisitions (Cont.)
Acquisition of Careplus Health Plans, Inc. by
Humana, Inc., was approved on January 13, 2005.
Lines of Business: Third Party Administrator.
Address: 55 Alhambra Plaza, 7th Floor, Coral Gables,
FL 33134.
Acquisition of Progressive Consumers Insurance
Co., by Progressive Commercial Holdings, Inc., was
approved on November 23, 2004. Lines of Business:
Physical Damage, Private Passenger Auto Liability
Address: 300 North Commons Blvd. OHF-11,
Mayfield Village, OH 44143.
Acquisition of Progressive Express Insurance Co.
by Progressive Commercial Holdings, Inc., was
approved on November 23, 2004. Lines of Business:
Other Liability, Private Passenger Auto Liability,
Commercial Automobile Liability, PPA Physical
Damage, Commercial Auto Physical Damage Address:
300 North Commons Blvd. OHF-11, Mayfield Village,
OH 44143.
Acquisition of Global Protection Plan, Inc., by
Edward J. Morse Revocable Trust was approved on
January 13, 2005. Lines of Business: Auto Warranties
Address: 22 NE 22nd Ave., Pompano Beach, FL
33062-5202.
Acquisition of Sunshine State Insurance Co. by
Fenelon Ventures LLC, was approved on March 2,
2005. Lines of Business: Allied Lines, Homeowners
Multiperil, Inland Marine, and Other Liability.
Address: 814 A1A North, Suite 200, Ponte Vedra
Beach, FL 32082-9973.
Acquisition of Protection Plus Warranty, Corp. by
Michael E., Jr. & Patricia A. Hooley, was approved on
March 31, 2005. Lines of Business: Auto Warranties
Address: 22 NE 22nd Ave., Pompano Beach, FL
33062.
Acquisition of Tower Hill Select Insurance Co.
by Benfield Investment Holdings Limited and
Renaissancere Ventures, was approved on
March 24, 2005. Lines of Business: Fire, Allied
Lines, Homeowners Multiperil, Inland Marine, Other
Liability, Private Passenger Auto Liability, PPA
Physical Damage, Mobile Home Multiperil, Mobile
Home Physical Damage. Address: P.O. Box 147018,
Gainesville, FL 32614-7018.
Acquisition of Tower Hill Prime Insurance Co.,
by Benfield Investment Holdings Limited and
Renaissancere Ventures was approved on March
24, 2005. Lines of Business: Fire, Allied Lines,
Homeowners Multiperil, Inland Marine, Other
Acquisition of Safeguard Health Plans, Inc. by John Liability, Mobile Home Multiperil, Mobile Home
Hancock Holdings, LLC, was approved on February Physical Damage. Address: P.O. Box 147018,
3, 2005. Lines of Business: Dental Service Plan Gainesville, FL 32614-7018.
Corporation (Prepaid Dental) Address: 150 South
Pine Island Road, Suite 240, Plantation, FL 33324.
Acquisition of Lock\Line Warranty Services of
Florida, LLC, by George L. Argyros, Sr., was
Acquisition of Southern Security Life Insurance approved on April 7, 2005. Lines of Business: Service
Co., by Security National Life Insurance Co. was Warranties (non auto). Address: 8880 Ward Parkway,
approved on February 3, 2005. Lines of Business: 5th Floor, Kansas City, MO 64114.
Life, Group Life and Annuities, Accident and Health.
Address: 5300 South 360 West, Salt Lake City, UT
84123.
Acquisition of Service Insurance Co. by Equity
American Financial Services, Inc., was approved
on February 18, 2005. Lines of Business: Fire,
Homeowners Multiperil, Commercial Multiperil,
Marine, Other Liability, Surety, Glass, Burglary
and Theft, Mobile Home Mulitperil, Mobile Home
Physical Damage Address: 4730 SR 64 E., Bradenton,
FL 34206.
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Companies approved for business in Florida
(July 12, 2004 to August 22, 2005)
JDCH Risk Purchasing Group, Inc., approved August
22, 2005. Lines of Business: Medical Malpractice. Address:
3501 Johnson St., Hollywood, FL 33021
Other Liability, Burglary and Theft and Mobile Home
Multiperil. Address: 28819 Franklin Road, Southfield MI
48034.
National Farmers Union Property and Casualty Co.,
approved August 16, 2005. Lines of Business: Fire, Allied
Lines, Farm owners Multiperil, Home Owners Multiperil,
Commercial Mulitperil, Ocean Marine, Inland Marine,
Earthquake, Other Liability, Private Passenger Auto
Liability, Automotive Liability, PPA Physical Auto Physical
Damage, Commercial Auto Physical Damage, Fidelity,
Surety, Glass, Burglary and Theft, Boiler and Machinery
Address: 11900 East Cornell, Aurora, CO 80014-3194.
Medco Containment Life Insurance Co., was approved
as a Life and Health insurer on July 21, 2005. Lines of
Business: Accident and Health. Address: 100 Parsons Pond
Drive Franklin Lakes, NJ 07417-2603
Homeland Insurance Company of New York was
approved as a Surplus Lines insurer on July 21, 2005. Lines
of Business: Fire, Allied Lines, Commercial Multi Peril,
Inland Marine, and Other Liability. Address: One Beacon
St., Boston MA 02108-3100.
Country Investors life Assurance Co., was approved
on August 16, 2005. Lines of Business: Life, Variable
Annuities, Variable Life. Address:1707 North Towanda
Ave., Bloomington IL, 61701-2090.
Suncoast Physician Health Plan, Inc., was approved as a
Health Maintenance Organization on July 13, 2005. Lines
of Business: Health Maintenance Organizations. Address:
2900 Glades Circle, Suite 250, Weston FL 33327.
Seneca Specialty Co., was approved on August 5, 2005 as
a Property and Casualty insurer. Lines of Business: Surplus
Lines All. Address: 160 Water St., New York, NY 10038.
Summit Health Plan, Inc., was approved as a Health
Maintenance Organization on July 13, 2005. Lines of
Business: Health Maintenance Organization. Address: 300
South Park Rd., Hollywood, FL 33021.
Avia Dental Plan was approved on August 5, 2005 as a
Discount Medical Plan Organization. Lines of Business:
Discount Medical Plan. Address: 28 Southern ave.,
Pittsburgh, PA 15211.
Manchester Management, LLC was approved as a Third
Party Administrator on July 13, 2005. Address: 7700 North
Kendall Dr., Suite 401, Miami, FL 33156.
Specialized Local Delivery Risk Retention Group was
approved on August 3, 2005, as a Risk Retention Group.
Lines of Business: Commercial Automobile Liability and
Other Liability. Contact: Heather Ross. Address:1501
Wilson Blvd. Suite 1110, Arlington, DC 22209.
Lakeland Regional Health Ventures Risk Purchasing
Group was approved as a Purchasing group on July 7, 2005.
Lines of Business: Medical Malpractice. Address: 1324
Lakeland Hills Boulevard, Lakeland, FL 33805.
QBW of Florida, Inc., was approved on August 5, 2005,
as a Home Warranty Assoc. Lines of Business: Home
Warranties. Address: 325 North 2nd St., Wornleysburg, PA.
Funeral Directors Life Insurance Company was approved
as a Life and Health insurer on July 7, 2005. Lines of
Business: Life and Group Life and Annuities. Address: 6550
Directors Parkway, Abilene, TX 79606.
Physicians United Plan, Inc., was approved as a Health
Maintenance Organization on July 29, 2005. Lines of
Business: Health Maintenance Organizations. Address:
1950 Lee Road Suite 208, Winter Park FL 32789.
Vantage America Solutions, Inc., was approved as a
Discount Medical Plan Organization on July 7, 2005.
Lines of Business: Discount Medical Plan. Address: 1275
Milwaukee Ave., Glenview, IL 60025-2463.
Progeny Marketing Innovations was approved as a
Discount Medical Plan Organization on July 29, 2005. Lines
of Business: Discount Medical Plan. Address: 400 Duke
Drive, Franklin, TN 37067
Access One Consumer Health, Inc., was approved as a
Discount Medical Plan Organization on July 7, 2005. Lines
of Business: Discount Medical Plan. Address: 809 East
Main St., Spartanburg, SC 29302.
Florida Health Solution, Corp., was approved as a Life
and Health insurer on July 29, 2005. Lines of Business:
Health Clinics. Address: 7350 North West 7th St., Suite 204,
Miami, FL 33126
Home Warranty of America, Inc., was approved on July 7,
2005, to do business as a Home Warranty Association. Lines
of Business: Home Warranty Assoc. Address: 1549 Barclay
Blvd., Buffalo Grove, IL 60089.
Home Pointe Insurance Co., was approved as a Property
and Casualty insurer on July 29, 2005. Lines of Business:
Fire, Allied Lines, Homeowners Multiperil, Inland Marine,
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New Companies (cont.)
(July 12, 2004 to August 22, 2005)
Magellan Behavioral Health of Florida, Inc., was
approved as a Life and Health insurer on July 1, 2005. Lines
of Business: Prepaid Limited Health Service Organization.
Address: 6950 Columbia Gateway Drive, Columbia, MD
21046.
Mednet Benefits, Inc., was approved as a Discount Medical
Plan Organization on June 8, 2005. Lines of Business:
Discount Medical Plan. Address: 1-25 West Beaver Creek
Road, Richmond Hill, Ontario L4B1K2.
National Grange Mutual Insurance Co. was approved
as a Property and Casualty insurer on May 26, 2005.
Lines of Business: Fire; Allied Lines; Farm Owners Multi
Peril; Homeowners Multi Peril; Commercial Multi Peril;
Inland Marine; Workersʼ Compensation; Other Liability;
Private Passenger Auto Liability; Commercial Automobile
Liability; PPA Physical Damage; Commercial Auto Physical
Damage; Fidelity; Surety; Glass; Burglary and Theft; Boiler
and Machinery; Mobile Home Multi Peril; Mobile Home
Physical Damage and Multi Peril Crop. Address: 55 West
St., Keene, NH 03431.
United Healthcare Services Inc., was approved as a
Discount Medical Plan Organization on July 1, 2005. Lines
of Business: Discount Medical Plan. Address: 450 Columbus
Boulevard CT030-15NA, Hartford, CT 06103.
Profamily Plan, Inc., was approved as a Discount Medical
Plan Organization on July 1, 2005. Lines of Business:
Discount Medical Plan. Address: 8751 West Broward Blvd.,
Suite 200, Plantation, FL 33324-2630.
Starmark Benefits, Inc.was approved as a Pre-paid Limited
Health Organization on July 1, 2005. Lines of Business:
Dental Service Plan Corporation (Prepaid Dental). Address:
2929 N. University Dr, Ste. 102, Coral Springs, FL 330655047.
Alliance HealthCard of Florida, Inc., was approved as
a Discount Medical Plan Organization on May 26, 2005.
Lines of Business: Discount Medical Plan. Address: 3500
Parkway Lane, Suite 720, Norcross, GA 30092.
Allianz Marine & Aviation was approved as a Property
and Casualty insurer on June 22, 2005. Lines of Business:
Ocean Marine, Aircraft Address: Großer Burstah 3, D-20457
Hamburg, Germany.
HealthAllies, Inc., was approved as a Discount Medical
Plan Organization on May 26, 2005. Lines of Business:
Discount Medical Plan. Address: 450 Columbus Boulevard,
CT030-15NB, Hartford, CT 06103.
Funeral Directors Planning Group, Inc., was approved
as a Risk Purchasing Group on June 20, 2005. Lines of
Business: Other Liability. Address: 370 Old Country Road,
Garden City, NY 11530.
DentalPlans.com, Inc., was approved as a Discount
Medical Plan Organization on May 26, 2005. Lines of
Business: Discount Medical Plan. Address: 29 South Federal
Highway, Dania, FL 33004.
Swimming Pool Services RPG, Inc., was approved as a
Risk Purchasing Group on June 21, 2005. Lines of Business:
Other Liability Address: Post Office Box 940880, Simi
Valley, CA 93094-0880.
HealthSun Health Plans, Inc., was approved as a Health
Maintenance Organization on May 26, 2005. Lines of
Business: Health Maintenance Organization. Address: 1205
SW 37th Ave., Second Floor, Miami, FL 33135-4226.
Health Care and Human Services Insurance PG
Association of America, Inc., was approved as a Purchasing
Group on June 20, 2005. Lines of Business: Other Liability;
Commercial Automobile Liability. Address: PO Box
426148, Salt Lake City, UT 84152-6148.
Cinergy Health, Inc., was approved as a Discount Medical
Plan Organization on May 26, 2005. Lines of Business:
Discount Medical Plan. Address: 19495 Biscayne Boulevard,
Suite 604, Aventura, FL.
NSA Risk Retention Group was approved as a Risk
Retention Group on April 22, 2005. Lines of Business: Other
Liability. Address: PO Box 1687, Burlington, VT 05403.
International Association of Benefits was approved as
a Discount Medical Plan Organization on May 26, 2005.
Lines of Business: Discount Medical Plan. Address: Post
Office Box 224767, Dallas, TX 75222-4767.
Best Benefit, Inc., was approved as a Discount Medical Plan
Organization on June 8, 2005. Lines of Business: Discount
Medical Plan. Address: 8420 W. Bryn Mawr Ave., Suite 700,
Chicago, IL 60631-3403.
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New Companies (cont.)
(July 12, 2004 to August 22, 2005)
Main Street America Assurance Co. was approved as
a Property and Casualty insurer on May 26, 2005. Lines
of Business: Fire; Allied Lines; Farm Owners Multi
Peril; Homeowners Multi Peril; Commercial Multi Peril;
Inland Marine; Workersʼ Compensation; Other Liability;
Private Passenger Auto Liability; Commercial Automobile
Liability; PPA Physical Damage; Commercial Auto Physical
Damage; Fidelity; Surety; Glass; Burglary and Theft; Boiler
and Machinery; Mobile Home Multi Peril; Mobile Home
Physical Damage; Multi Peril Crop. Address: 55 West St.,
Keene, NH 03431
Transurance Risk Retention Group, Inc., was approved as
a Risk Retention Group on May 2, 2005. Lines of Business:
Other Liability; Commercial Automobile Liability. Address:
1501 Wilson Blvd., Suite 110, Arlington, VA 22209.
Educatorʼs Purchasing Group was approved as a
Purchasing Group on May 2, 2005. Lines of Business:
Other Liability. Address: 8144 Walnut Hill Lane #400,
Dallas, TX 75231.
Aquacal, Inc., was approved April 28, 2005, to do business
as a Service Warranty Association. Lines of Business:
Service Warranties (Non-Auto) Address: 5755 Powerline
Road, Ft. Lauderdale, FL 32309-2001.
Fidelity Fire & Casualty Co. was approved as a Property
and Casualty insurer on May 26, 2005. Lines of Business:
Fire; Allied Lines; Homeowners Multi Peril. Address: 200
Colonial Center Parkway, Suite 100, Lake Mary, FL 32746.
Campmed Casualty & Indemnity Company, Inc. of
Maryland was approved as a Property and Casualty insurer
on April 28, 2005. Lines of Business: Medical Malpractice;
Other Liability. Address: 3851 Farragut Ave., Kensington,
MD 20895.
Affordable Family Health Services was approved as a
Discount Medical Plan Organization on May 19, 2005.
Lines of Business: Discount Medical Plan. Address: 3957
Pleasantdale Road, Atlanta, GA 30340.
Health Choice Network, Inc., was approved as a Discount
Medical Plan Organization on April 28, 2005. Lines of
Business: Discount Medical Plan. Address: 9064 Northwest
13th Terrace, Miami, FL 33172.
Assured Options System, Inc.,d/b/a/ Medmore was
approved as a Life and Health insurer on May 19, 2005.
Lines of Business: Discount Medical Plan. Address: 3155
NW 82nd Ave., Suite 201, Doral, FL 33122
Atlantic Dental, Inc., was approved as a Discount Medical
Plan Organization on April 28, 2005. Lines of Business:
Discount Medical Plan. Address: 28010 Ponce De Leon
Blvd., Suite 600, Coral Gables, FL 33134.
Southern Eagle Insurance Co. was approved as a Property
and Casualty insurer on May 19, 2005. Lines of Business:
Workersʼ Compensation. 406 43rd St., Bradenton, FL
34209-2952.
Ameriguard Risk Retention Group, Inc., was approved
as a Property and Casualty insurer on April 26, 2005. Lines
of Business: Other Liability; Commercial Automobile
Liability. Address: 2386 Airport Road, Barre, VT 05614.
Wellcare Prescription Insurance, Inc.,was approved as a
Life and Health insurer on May 20, 2005. Lines of Business:
Accident and Health. Address: 8735 Henderson Road,
Renaissance Two, Tampa, FL 33634.
Florida Peninsula Insurance Co. was approved as a
Property and Casualty insurer on April 22, 2005. Lines of
Business: Homeowners Multi Peril. Address: 2924 Davie
Road, Suite 202, Davie, FL 33314.
Sports & Fitness Insurance Purchasing Group
Association was approved as a Property and Casualty
insurer on May 20, 2005. Lines of Business: Other Liability.
Address: 212 Key Drive, Suite A, Madison, MS 39110.
Metcare Health Plans, Inc., was approved as a Health
Maintenance Organization on April 22, 2005. Lines of
Business: Health Maintenance Organizations. Address: 250
S. Australian Ave., Suite 400, West Palm Beach, FL 33401.
American Guaranty Title Insurance Co. was approved
as a Property and Casualty insurer on May 19, 2005. Lines
of Business: Title. 4040 North Tulsa, Oklahoma City, OK
73112.
Protective Marketing Enterprises, Inc., was approved as
a Discount Medical Plan Organization on April 22, 2005.
Lines of Business: Discount Medical Plan. Address: P.O.
Box 10727, Birmingham, Alabama 32502.
First Home Insurance Co. was approved as a Property
and Casualty insurer on May 2, 2005. Lines of Business:
Fire; Allied Lines; Homeowners Multi Peril; Inland Marine.
Address: 29621 Northwestern Highway, Southfield, MI
48034.
Infinity National Insurance Co. was approved as a
Property and Casualty insurer on April 8, 2005, 2005. Lines
of Business: Private Passenger Auto Liability; PPA Physical
Damage. Address: PO Box 830189,
Birmingham,
Alabama 35283-0189.
American Specialty Health Networks, Inc.,was approved
as a Discount Medical Plan Organization on May 4, 2005.
Lines of Business: Discount Medical Plan. 777 Front St.,
San Diego, CA 92101.
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(Continued on Page 13)
New Companies (cont.)
(July 12, 2004 to August 22, 2005)
Florida Health Solution, Corp. was approved as a Discount
Medical Plan Organization insurer on April 7, 2005. Lines
of Business: Discount Medical Plan. Address: 7350 N.W.
7th St., Suite 204, Miami, FL 33126.
Housing Authority Property Insurance was approved as
a Property and Casualty insurer on March 31, 2005. Lines
of Business: Fire; Allied Lines; Commercial Multi Peril;
Inland Marine; Other Liability; Commercial Automobile
Liability; Commercial Auto Physical Damage; Fidelity;
Boiler and Machinery. Address: P.O. Box 189, Cheshire,
CT 06410-0189.
Benefit Services of America, Inc., was approved as a
Discount Medical Plan Organization insurer on April 7,
2005. Lines of Business: Discount Medical Plan. 101 South
Wymore Road, Suite 300, Altamonte Springs, FL 32714.
Claim Professional Liability Insurance Co. was approved
as a Risk Retention Group insurer on March 28, 2005.
Lines of Business: Other Liability. Address: P.O. Box 306,
Montpelier, VT 05601-0360.
Sunshine Medical Network II, Inc., was approved as a
Discount Medical Plan Organization insurer on April 7,
2005. Lines of Business: Discount Medical Plan. Address:
825 SW 87th Ave., Suite B, Miami, FL 33174.
Restoration Risk Retention Group was approved as a
Property and Casualty insurer on March 19, 2005. Lines
of Business: Other Liability. Address: 2999 North 44th St.,
Suite 250, Phoenix, AZ 85018.
Southern Fidelity Insurance Co. was approved as a
Property and Casualty insurer on April 7, 2005. Lines of
Business: Fire; Farm Owners MultiPeril; Homeowners
Multi Peril; Mobile Home Multi Peril. Address: PMB #406
3491-11 Thomasville Road, Tallahassee, FL 32309-3459.
North Florida Behavioral Health Partners, Inc., was
approved as a Life and Health insurer on March 17, 2005.
Lines of Business: Pharmaceutical Services; Mental Health
Services; Substances Abuse Services. Address: 3014 N. US
Highway 301, Ste. 1000, Tampa, FL 33619.
Security First Insurance Co. was approved as a Property
and Casualty insurer on April 4, 2005. Lines of Business:
Fire; Homeowners. Address: 140 S. Atlantic Ave., Suite
400, Ormond Beach, FL 32176.
20/20 Eyecare Plan, Inc., was approved as a Life and
Health insurer on March 17, 2005. Lines of Business:
Discount Medical Plan. Address: 2691 E. Oakland Park
Blvd., Ste. 400, Oakland Park, FL 33306.
Sunz Insurance Co. was approved as a Property and
Casualty insurer on March 24, 2005. Lines of Business:
Workersʼ Compensation. Address: 21226 Stonewood Drive,
Boca Raton, FL 33428-1014.
NEWBN, Inc., was approved as a Life and Health insurer
on March 17, 2005. Lines of Business: Discount Medical
Plan. Address: 14240 Proton Road, Dallas, TX 75244.
Careington International Corp. was approved as a
Discount Medical Plan Organization on March 24, 2005.
Lines of Business: Discount Medical Plan. Address: 7400
Gaylord Parkway, Frisco, TX 75034.
Starmark Benefits, Inc., was approved as a Life and
Health insurer on March 17, 2005. Lines of Business:
Discount Medical Plan. 2929 University Drive, Suite 102,
Coral Springs, FL 33065-5047.
Dental Network of America, Inc., was approved as a
Discount Medical Plan Organization on March 24, 2005.
Lines of Business: Discount Medical Plan. Address: 2
Transam Plaza Drive, Oakbrook Terrace, IL 60181-4823.
Life Settlement Solutions, Inc. was approved to do
business as a Viatical Settlement Provider. Lines of
Business: Viatical Settlement Provider Address: 9201
Spectrum Center Blvd., Suite 105, San Diego, CA 92123.
The Capella Group, Inc., was approved as a Discount
Medical Plan Organization on March 24, 2005. Lines
of Business: Discount Medical Plan. Address: 2040 N.
Highway 360, Grand Prairie, TX 75050.
Garrison Property and Casualty Insurance Co. was
approved as a Property and Casualty insurer on March 2,
2005. Lines of Business: Fire, Allied Lines, Homeowners
Multi Peril, Ocean Marine, Inland Marine, Earthquake,
Other Liability, Private Passenger Auto Liability, PPA
Physical Damage. Address: 9800 Fredericksburg Road, San
Antonio, TX 78288.
Ameriplan Corp. was approved as a Discount Medical
Plan Organization on March 24, 2005. Lines of Business:
Discount Medical Plan. Address: 5700 Democracy Drive,
Suite 1000, Plano, TX 75024-7126.
Aetna Life Insurance Co. was approved as a Discount
Medical Plan Organization on March 2, 2005. Lines of
Business: Discount Medical Plan. Address: 151 Farmington
Ave., Hartford, CT 06156.
(Continued on Page 14)
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New Companies (cont.)
(July 12, 2004 to August 22, 2005)
Country Mutual Insurance Co. was approved as a
Property and Casualty insurer on December 29, 2004. Lines
of Business: Fire; Allied Lines; Homeowners Multi Peril;
Commercial Multi Peril; Inland Marine; Earthquake; Other
Liability; Private Passenger Auto Liability; Commercial
Automobile Liability; PAA Physical Damage; Commercial
Auto Physical Damage; Mobile Home Multi Peril; Mobile
Home Physical Damage; Miscellaneous. Address: P.O. Box
2100, Bloomington, IL 61702-2100.
Optimum Healthcare, Inc., was approved as a Health
Maintenance Organization on February 21, 2005. Lines of
Business: Health Maintenance Organizations. Address:
5478 Spring Hill Drive, Spring Hill, FL 34606.
Freedom Health, Inc., was approved as a Health
Maintenance Organization on February 14, 2005. Lines of
Business: Health Maintenance Organizations. 2955 SE 3rd
Court, Ocala, FL 34471.
Builders Insurance Company, Inc., was approved as a
Property and Casualty insurer on December 29, 2004. Lines
of Business: Workersʼ Compensation. Address: 1210 South
Valley View Blvd., Suite 114, Las Vegas, NV 89102.
Prime Insurance Syndicate, Inc., was approved as
a Surplus Lines insurer on February 8, 2005. Lines of
Business: Fire; Homeowners Multi Peril; Commercial
Multi Peril; Ocean Marine; Inland Marine; Other Liability;
Mobile Home Multi Peril; Mobile Home Physical Damage.
Address: P.O. Box 4439, Sandy, UH 84091-4439.
Country Casualty Insurance Co. was approved as a
Property and Casualty insurer on December 29, 2004. Lines
of Business: Fire; Allied Lines; Homeowners Multi Peril;
Commercial Multi Peril; Inland Marine; Earthquake; Other
Liability; Private Passenger Auto Liability; Commercial
Automobile Liability; PAA Physical Damage; Commercial
Auto Physical Damage; Mobile Home Multi Peril; Mobile
Home Physical Damage; Miscellaneous. Address: P.O. Box
2100, Bloomington, IL 61702-2100.
Alfa Vision Insurance Corp. was approved as a Property
and Casualty insurer on February 8, 2005. Lines of Business:
Private Passenger Auto Liability; PAA Physical Damage.
Address: P.O. Box 11000, Montgomery, AL 36191-0001.
Service Group Administrators, Inc., was approved to do
business as a Motor Vehicle Service Agreement Company,
on February 8, 2005. Lines of Business: Auto Warranties
Address: 6907 Capital of Texas Highway, Austin, TX
78731.
Country Life Insurance Co. was approved as a Life and
Health insurer on December 29, 2004. Lines of Business:
Life; Accident and Health. Address: P.O. Box 2000,
Bloomington, IL 61702-2000.
Yorktowne Premium Finance Company was approved to
do business as a Premium Finance Company on February 8,
2005. Lines of Business: Premium Finance Address: 3915
Biscayne Blvd., Miami, FL 33137.
CPP Florida, LLC was approved on December 8, 2004, to
do business as a Service Warranty Association. Lines of
Business: Service Warranties. Address: 5040 Linbar Drive,
Suite 200, Nashville, TN 37211.
Equity Insurance Co. was approved as a Property and
Casualty insurer on January 13, 2005. Lines of Business:
Private Passenger Auto Liability; PPA Physical Damage.
Address: 4315 Lake Shore Drive, Suite J, Waco, TX 76710.
Gulfstream Property and Casualty Insurance Co. was
approved as a Property and Casualty insurer on November
30, 2004. Lines of Business: Fire; Allied Lines; Homeowners
Mulit Peril, Mobile Home Multi Peril. Address: 6964
Professional Parkway East, Sarasota, FL 34240.
Church Life Insurance Corp. was approved as a Life and
Health insurer on January 5, 2005. Lines of Business: Life;
Group Life and Annuities; Accident and Health. Address:
445 Fifth Ave., New York, NY 10016.
Southern Oak Insurance Co. was approved as a Property
and Casualty insurer on December 2, 2004. Lines of
Business: Fire, Homeowners Multi Peril, Inland Marine.
Address: One Independent Drive, Suite 1900, Jacksonville,
FL 32202.
Key Risk Insurance Co. was approved as a Property and
Casualty insurer on December 29, 2004. Lines of Business:
Workersʼ Compensation. Address: P.O. Box 49129,
Greensboro, NC 27419-0000.
Country Preferred Insurance Co. was approved as a
Property and Casualty insurer on December 29, 2004. Lines
of Business: Fire; Allied Lines; Homeowners Multi Peril;
Commercial Multi Peril; Inland Marine; Earthquake; Other
Liability; Private Passenger Auto Liability; Commercial
Automobile Liability; PAA Physical Damage; Commercial
Auto Physical Damage; Mobile Home Multi Peril; Mobile
Home Physical Damage; Miscellaneous. Address: P.O. Box
2100, Bloomington, IL 61702-2100.
14
Esurance Property and Casualty Insurance Co. was
approved as a Property and Casualty insurer on November
30, 2004. Lines of Business: Private Passenger Auto
Liability; Commercial Automobile Liability. Address: 747
Front St., 4th Floor, San Francisco, CA 94111-1922.
Pegasus Insurance Co. was approved as a Property and
Casualty insurer on November 16, 2004. Line of Business:
Workersʼ Compensation. Address: P.O. Box 729, Alexander
City, AL 35011-0729.
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(Continued on Page 15)
New Companies (cont.)
(July 12, 2004 to August 22, 2005)
Integon Specialty Insurance Co. was approved as a Surplus
Lines insurer on November 16, 2004. Lines of Business:
Fire; Allied Lines; Commercial Auto Physical Damage.
Address: P.O. Box 3199, Winston-Salem, NC 27102-3199.
Medica Healthcare Plan, Inc., was approved as a Medicare
Plus Choice Provider. Sponsored Org (MPC-PSO) on
September 2, 2004. Line of Business: Health Maintenance.
Address: 4000 Ponce De Leon Blvd., Suite 650, Coral
Gables, FL 33146.
First Catholic Slovak Ladies Association of the U.S.A.
was approved as a Fraternal Benefit Society on November
16, 2004. Lines of Business: Fraternal Life. Address: 24950
Chagrin Blvd., Beachwood, OH 44122-5634.
Encompass Floridian Indemnity Co. was approved
as a Property and Casualty insurer on August 27, 2004.
Lines of Business: Fire; Allied Lines; Inland Marine;
Private Passenger Auto Liability; PPA Physical Damage;
Homeowners Multi Peril. Address: 3075 Sanders Road,
Suite H1A, Northbrook, IL 60062-7127.
Q Capital Strategies, LLC was approved on November
16, 2004, to do business as a Viatical Settlement Provider.
Lines of Business: Viatical Settlement Provider Address:
950 Third Ave., 23rd Floor, New York, NY 10022.
First Guard Insurance Co. was approved as a Property
and Casualty insurer on August 27, 2004. Line of Business:
Commercial Auto Physical Damage. Address: 200 Nokomis
Ave., 4th Floor, Venice, FL 34285-2323.
TNUS Insurance Co. was approved as a Property and
Casualty insurer on October 27, 2004. Lines of Business:
Fire; Allied Lines; Commercial Multi Peril; Ocean Marine;
Inland Marine; Workersʼ Compensation; Other Liability;
Commercial Automobile Liability; Commercial Auto
Physical Damage; Glass; Burglary and Theft. Address: 230
Park Ave., New York, NY 10169.
General Fidelity Insurance Co. was approved as a Property
and Casualty insurer on August 30, 2004. Line of Business:
Service Warranties (Non-Auto). 201 Tryon St., Charlotte,
NC 28255.
United States Surety Co. was approved as a Property and
Casualty insurer on October 27, 2004. Lines of Business:
Surety. Address: 20 W. Aylesbury Road, Timonium, MD
21094-5605.
Physicians Preferred Insurance Reciprocal was approved
as a Reciprocal insurer on August 27, 2004. Line of Business:
Medical Malpractice. Address: 7791 Belfort Parkway, Suite
100, Jacksonville, FL 32256.
Doral Administrative Services of Florida, Inc., was
approved as a Prepaid Limited Health Service Organization
on October 26, 2004. Lines of Business: Prepaid Limited
Health Service Organization. Address: 12121 North
Corporate Parkway, Mequon, WI 53092.
National Group Insurance Co. was approved as a
Property and Casualty insurer on August 4, 2004. Lines
of Business: Fire; Allied Lines; Commercial Multi Peril;
Inland Marine; Other Liability; Commercial Automobile
Liability; Commercial Auto Physical Damage; Fidelity;
Glass; Burglary and Theft. Address: 101 Almeria Ave.,
Coral Gables, FL 33134.
Direct General Life Insurance Co. was approved as a Life
and Health insurer on October 21, 2004. Lines of Business:
Life. Address: 1281 Murfreesboro Road, Nashville, TN
37217.
Producers Agriculture Insurance Co. was approved as a
Property and Casualty insurer on July 22, 2004. Lines of
Business: Fire; Allied Lines; Multi Peril Crop. Address:
P.O. Box 229, Amarillo, TX 79105-0229.
IDS Property Casualty Insurance Co. was approved as a
Property and Casualty insurer on October 21, 2004. Lines
of Business: Homeowners Multi Peril; Private Passenger.
Address: 388 State St., Suite 420, Salem, OR 97301.
RSUI Indemnity Co. was approved as a Property and
Casualty insurer on July 22, 2004. Lines of Business: Fire;
Allied Lines; Commercial Multi Peril; Inland Marine;
Medical Malpractice; Earthquake; Other Liability; Glass;
Boiler and Machinery; Miscellaneous Casualty. Address:
945 Paces Ferry Road, Atlanta, GA 30326.
ASI Assurance Corp. was approved as a Property and
Casualty insurer on October 21, 2004. Lines of Business:
Fire; Allied Lines; Homeowners Multi Peril; Inland Marine;
Other Liability. Address: 1325 Snell Isle Blvd. NE, Suite
211, St. Petersburg, FL 33733-8018.
Imerican Life and Health Insurance Co. was approved
as a Life and Health insurer on October 12, 2004. Lines of
Business: Life; Accident & Health. Address: 3501 Frontage
Road, Suite 300, Tampa, FL 33607.
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CFO releases annual top 10 fraud list
2004-2005 Top 10 cases add up to more than $2.7 million in losses
F
lorida’s Chief Financial Officer
Tom Gallagher recently released
the Department of Financial Services’
annual Top 10 Fraud List. The list
summarizes this year’s costliest or
boldest securities, financial and
insurance fraud scams that resulted
in arrests or convictions. The cases,
listed in no particular order, add up
to more than $2.7 million in financial
losses during the fiscal year that began
July 1, 2004, and ended June 30, 2005.
Additional potential losses in these 10
cases – losses that may have occurred
if an arrest had not been made when it
was – add up to more than $1 million.
This year’s Top 10 fraud schemes
ranged from title insurance trickery to
the perennial list maker, Personal Injury
Protection auto insurance fraud, or PIP
fraud.
Not Flying Straight
An attorney, who continued to work
while collecting more than $130,000
in disability benefits, will not likely
get a chance to cash in his frequent
flyer miles anytime soon. He now
faces up to 15 years in prison after
insurance fraud detectives uncovered
that he submitted false information
on a disability claim. The attorney
reported that, following a motor vehicle
accident, he became partially disabled
and that his condition deteriorated
making him totally disabled in
September 2003. Detectives, however,
found that he had continued to practice
law in Florida as well as in New York
while he collected disability benefits.
This is Not Monopoly
A title agent accused of stealing
more than $1.1 million in customer
escrow funds took the money – along
with her boyfriend and coworkers
– on a Las Vegas junket, but didn’t
bet on getting caught. The agent was
operating Weed & Associates Title
Services when American Pioneer Title
16
Insurance Company conducted an
audit and discovered discrepancies in
Weed & Associates’ escrow account.
Fraud detectives determined that she
misappropriated in excess of $1.1
million from the escrow account and
used these funds to buy vehicles, the
Las Vegas getaway and make a down
payment on a $9 million Lake County
land purchase. Her title agent license
was immediately revoked and she faces
up to 60 years in prison if convicted on
the charges.
The Reporter’s Instinct
Eight individuals who illegally obtained
traffic accident reports from police
departments throughout Palm Beach,
Broward and Dade counties posed as
reporters to gain access to the reports.
They used the information in the
reports to solicit accident victims to go
to medical clinics and auto body shops
for the purpose of collecting money
on fraudulent auto insurance claims.
They pretended to work for media
publications such as Impact News
Weekly, South Florida Journal and
Greek American Herald.
Home Repairs the Cheating Way
(or Huff and Puff)
A Brevard County homeowner claimed
that renovation work to his home was
the result of hurricane damage, but
the work had begun almost a month
before the hurricane hit. He filed
the fraudulent claim last September
with Citizens Property Insurance
Corporation for his home, claiming
that Hurricane Frances caused nearly
$60,000 in personal property damage.
Detectives, however, determined that
the homeowner was already under
contract to remodel his residence, and
the work, which involved the removal
of all of his furniture as well as the roof
and windows, began on Aug. 10, 2004.
Hurricane Frances struck the Treasure
Coast on September 5, 2004
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Fake Cards, Real Money
A man who sold fake motor vehicle
insurance cards to nearly 200 South
Florida drivers was sentenced to
three years in prison. He pleaded
guilty to nine counts of marketing
a false or fraudulent motor vehicle
insurance card and one count of
organized scheme to defraud. State
fraud investigators determined that he
issued at least 196 cards, most of them
to drivers in West Palm Beach and
Riviera Beach. The cards appeared
to be issued by Progressive Insurance
Company and purported to carry the
minimum statutory levels of Personal
Injury Protection and Property Damage
coverage. The cards had the same
policy number, with different personal
and vehicle information typed on them.
The World is Your Stage
Fraud detectives in February arrested
25 individuals believed to have been
involved in a ring that staged at least a
dozen auto crashes and fraudulently
billed insurance companies for $1
million. If convicted, they will face a
minimum mandatory sentence of two
years in prison for organizing the staged
crashes, and up to 15 years in prison on
all charges. The suspected ringleader
is charged with 51 counts each of
insurance fraud and grand theft,
four counts of staging an accident,
and organized scheme to defraud.
Investigators believe he may have
staged as many as 90 crashes during
the last several years.
Now You Can Panic
A man who allegedly lied on his
application for disability income
insurance and then filed a claim one
week after getting the policy is facing
felony charges that could land him up
to 65 years in prison. In possession of
a real estate license the man claimed
he was unable to work due to panic
attacks. Department detectives said
(Continued on Page 17)
(Continued from Page 16)
operated an agency in Jacksonville. He persuaded several
elderly victims to surrender their annuities and reinvest into
other insurance products that he sold, but insurance fraud
detectives determined that once he received the surrender
proceeds from the annuities, he converted the monies to his
own personal use. Two of the victims, who ranged in age
from 68 to 79, have since died.
medical and hospital records confirmed that he provided
false information regarding his medical history, and
documents from the Social Security Administration indicated
he provided false salary information as well. Based on his
application, he was issued a Disability Income policy that
provided a monthly disability benefit of $3,000 until he
turned 65. His maximum benefit for disability would have
been approximately $828,000. The claim was denied.
Land Ho
Three South Floridians bamboozled a title insurance
company out of $1.2 million by playing with the paperwork.
Anthony Phillips, Suzanne Destefano and Chena Henry are
accused of conspiring to steal $1.2 million from Attorney’s
Title Insurance Fund through a fictitious purchase of
property. The lending agent was advised to wire the money
to an unlicensed broker (Chena Henry) for the property.
Henry then followed the instructions of Anthony Phillips
and wired the money to Phillips and Suzanne Destefano
in prescribed amounts. Phillips used the stolen money to
purchase property in which he had an interest in MiamiDade County.
Who Are You?
A couple and a relative are facing felony insurance fraud
charges after state fraud detectives determined they
fraudulently collected $39,000 from their insurance coverage
stemming from a staged automobile accident. Detectives
determined that the three gave false information to their
insurance company following a January 2004 staged crash.
The couple said they did not know the third person, who
was in the other car, but a witness said they were seen
talking prior to the accident, and the investigation revealed
that they are related. The couple’s two young daughters
were in the car at the time of the staged accident.
Rewards are payable to persons providing information
leading to the arrest and conviction of those committing
complex and organized insurance crimes. All reports may
remain confidential. Call toll-free inside the state of Florida:
(800) 378-0445. Outside the state of Florida call: (850) 4133261.
Angling for Annuities
An insurance agent who stole $366,000 by convincing at
least six elderly clients to cash in their annuities and reinvest
in other insurance products was sentenced to three years
in prison and order to pay restitution. The licensed agent
Donʼt forget to update your contact information to receive news and
information from the Department of Financial Services,
as well as updates from The Intercom.
Go to http://aalf.fldfs.com for more information!
Agent Referral Service
The Florida Market Assistance Plan (FMAP) was created by the Legislature in 1985 as a
service organization designed to assist consumers in obtaining property and casualty
insurance coverage from authorized insurers in the private market.
This service is designed to match consumers who cannot find property
insurance with Florida licensed agents who are writing new business.
The referral encompasses all property and casualty lines of business,
excluding workers’ compensation, employer’s liability, malpractice
and motor vehicle coverage.
Information on agents and companies writing such coverage is
collected, maintained and updated by FMAP through questionnaires
completed by agents licensed to write property and casualty insurance
in the state of Florida. They can be found online at
http://www.fmap.org.
17
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Disciplinary Actions
DOWELL
Rube Allen
Ft. Walton Beach
DUARTE
Julissa Cristina Coral Gables
EDWARDS WHOLESALE, INC.
Pensacola
EDWARDS
Jamie Lawrence Cape Coral
EDWARDS
Michael D.
Pensacola
EDWARDS-HOBBS Deborah J.
Panama City
ENLOW
Deborah Lynn
Las Vegas
ENNIS
Eugene Clay
Bradenton
EQUITABLE TITLE INSURANCE S Miami Lakes
EVANS, JR.
David Michael
Spring Hill
FERGUSON
Lorenzo Reynoldo Orlando
FOSTER, JR.
Bruce A.
Poland
FRANZ
Carol A.
Hollywood
FUENTES
Daisy
Miami
GIAVANNO
Braccus Lucien Satellite Beach
GILLUM
David L.
Kissimmee
GOLDMAN
Kerly
Delray Beach
GONZALEZ
Armando Rene Miami
GONZALEZ
John Edward
Tampa
GOODMAN
Ramon Wallace Miami
GORDILLO
Sergio Jean
Orlando
GRIGGS
Thomas Larry
Jacksonville
HALEY
Robert Edward San Antonio
HARRINGTON Donna Elaine
Riverview
HENGST
Allen Lee
Orlando
HENWOOD
Ray Arthur
Lake Wales
HERBER
Jeffrey M.
Rome
HEWELL
Deborah French Cocoa
HOCHMAN
Paul
Pompano Beach
HORNBECK
Scott Asher
N. Fort Myers
HUDSON
Buddy Lee
Orange Park
HUDSON
Verna Ida
Orange Park
HUGHES
Samuel Davis
Panama City
INGRAM
Michael George Titusville
JACKSONVILLE LAW & TITLE, INC. Jacksonville
JAMES
Lilibeth Pante
Altamonte Springs
KAY
Shirley Jean
Jacksonville
KEENE
Kendall Menard Ft. Lauderdale
KENNEDY
Mark Durbahn
Hobe Sound
KEYES
Kenneth Dowling Inverness
KIMPEL
James Merle
Leesburg
KNECHT
Kelly Ann
Miami
LAIT
Michael Harris Windermere
LAUSTRA
Kim Marie
Hollywood
LENTZ
Lisa Simone
Coral Springs
LESTER
Anthony P.
Miami
LETCHWORTH, III Herman Roger Tarpon Springs
LEVENSON Stephen Daryl (reinstated 7/26/04) Weston
LOCKE
Davey B.
Lake Worth
LURCH
Christina M.
Jacksonville
MAHLE
Frederick Bruce Sarasota
MALDONADO Karen Marie
Palm City
MALONE
West
Tallahassee
MANGIANTE
Robert Henry
Naples
MANNING
Margaret M.
Redondo Beach
MARION
Angela Veronica Miami
MARTINEZ
Hugo Gregorio Miami
MCMULLEN
Richard John
Huntington
MILLENNIUM TITLE COMPANY, INC.
Miami
MINNS
Jeffrey R.
Miami
MONDESIR
Sandra
Orlando
MORA-HERREA Sandra
Miami Beach
April 2, 2004 - August 31, 2005
Many of the following disciplinary actions have been resolved through
consent orders based upon settlement stipulations in which there was no
finding or admission of guilt by the licensee. The department believes that
notification of these actions is in the public interest and, although every
effort is made to provide correct information, our readers are cautioned
to check with the department before making a decision based upon this
listing.
This listing does not reflect pending appeals or requests for hearings.
Inquiries should be directed to: Florida Department of Financial Services,
Division of Agent and Agency Services, Bureau of Licensing, 200 East
Gaines Street, Tallahassee, FL 32399-0319; telephone (850) 413-3137, ext.
1101.
Warning: No part of this listing may be used by a licensee to
gain a competitive advantage over any person named herein.
Any licensee who does so may be in violation of Section
626.9541(1)(c), Florida Statutes.
REVOCATIONS
LAST NAME
FIRST and MIDDLE
CITY
STATE
ACHILLE
Jean Robert
Lake Worth
AGULLA
Marc Charles
Orlando
ALFONSO
Dayanna (reinstated 7/15/05) Coral Gables
ALI
Sayed Amjad
Lakeland
ALL IN THE FAMILY TITLE COMP. Pembroke Pines
ALONSO
Teresa
Hialeah
BADER
Michael Charles Deerfield Beach
BAKER
Julie Kathleen
Naples
BARNES, JR.
Calvin Nathaniel Milton
BARRISTERS LAW AND TITLE CO. Jacksonville
BERG
Joel A.
Ft. Lauderdale
BRUNET
Jeannettee Claudette Cocoa
BYRD
Clayton Lewis
Sanford
CANTRELL
Lloyd Nelson
Silver Springs
CARIBBEAN TITLE COMPANY, LTD
Miami Beach
CARMAN
Christian T.
Plantation
CASTAGNA
John Paul
Deerfield Beach
CATANESE
Peter Louis
Tampa
CERRA, JR.
Fernando
Miami
CHAPLES
Paul Victor
Kissimmee
CHENHALL
Terry Stephen
St. Petersburg
COLLAZO
Hector
Tampa
COLLINS
Marlon (reinstated 5/25/05) Bartow
COMMERCIAL TITLE AGENCY, INC. Tallahassee
CORREA
Ernesto Mario
Miami
CROSS
Charles Emory Tampa
CUBITO
Vincent Joseph Homestead
DAMICO
David
Boca Raton
DARIAS
Ana C.
Deerfield Beach
DAVENPORT
Richard Alan
Ft. Myers
DAVID
Willie
Orlando
DEJESUS
Luz Damaris
Miami
DIAZ
Erasmo Gregory Miami
DOWDELL
Glenda Bowen N. Lauderdale
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INTERCOM
WWW.FLDFS.COM
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NV
FL
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OH
FL
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TX
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NY
FL
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CA
FL
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PA
FL
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MUGARTEGUI Monica F/K/A M Miami
MUNGER
Judi Bonnie
Tavares
MURPHY
Linda Faye
Perry
MURPHY
Mindy Rae
West Palm Beach
PAPAGEORGIOU George
Orlando
PARROTT
Gloria A.
Deland
PASELA
Diana Yvette
Cleveland
PEREZ
Angel M.
Coral Gables
PEREZ
Armando Ruben Miami
PHILLIPS
Jacquelyn Diane Miami
PHILLIPS
Robert Marshall Palmetto
PIMENTEL
Christian Manuel Miami
PLATINUM TITLE SERVICES, CO Coral Springs
POMERANTZ
Jay Lawrence
Pompano Beach
POSADA
Eiden R.
Pembroke Pines
POTEL
Albert
Orlando
PRAY
Sheron Elaine aka Sheron Bu Winter Park
PRESTIGE PROPERTY TITLE CO. Margate
PROFESSIONAL TITLE AND TRU Fort Myers
QUICK
Ronald Christopher Spring Hill
QUINTANA
Luis Manuel
Wellington
RABIDEAU
Thomas J.
Green Bay
RAHMING
Cedric Jeffery
Opa Locka
RELIANT TITLE SERVICES, INC.
Coral Springs
RIDDELL
Christine J.
Torrance
ROGART
Ronald
Miami Beach
SAMPSON
James Joseph
Pompano
SANDS
Michael Mower Orlando
SAWYER
Laurie Ann
Mount Dora
SECHREST
Carole Ann
Blairsville
SHERMAN
David Allen
Alpharetta
SIBBLE-MCLEOD Sylvia St-Annie Miami
SICRE
Dax C.
Coral Gables
SMITH
Lumon Ivey
Milton
SMITH Steven Robert (3/8/05) Ft. Lauderdale
SMITH
Vincent J.
Mohnton
STEPHENSON, Jr. Charles Judson Marianna
STOCK
Denise A.
Jacksonville
SWAFFORD
James E.
Blounstown
TARTAGLIONE John Dominick Cape Coral
TAYLOR
Lamont (reinstated 10/12/04) Miami
TOMMASULO
Gerard Edward Fort Myers
TOROSYAN
Hayk Jonni
Glendale
TOWNSEND
Darryl
Clearwater
TRIGG
Steve
Omaha
TROUT
Steve Allen
Cape Coral
TRUSSELL
Terry George
Jacksonville
TURNER
Jeffrey Mark
Orlando
INTERFIRST TITLE CORP. (a.k.a. UNITED TITLE) Miami
URICK
Dean William
Sarasota
VIERA
Richard
South Miami
WAGNER
Mary Ann
Naples
WHITE
H. Wayne
Lake Lady
WHITE
Rebecca Bonnie Bradenton
WILLIAMS
Feliciana Dewayne Ocala
WILLIAMS
Jimmie
Pensacola
WOLF
Michael Irwin
Ft. Myers
WRIGHT
Anthony Philip Avon Park
YOUNG
Jody
Lake Placid
ZELASKO
Richard Anthony Hollywood
ZINK (BUTTS) Doriana Valentina aka Dorian Fredericksburg
19
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FL
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FL
FL
FL
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WI
FL
FL
CA
FL
FL
FL
FL
GA
GA
FL
FL
FL
FL
FL
FL
FL
FL
FL
FL
FL
CA
FL
NE
FL
FL
FL
FL
FL
FL
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VA
SUSPENSIONS
LAST NAME
FIRST and MIDDLE
CITY
STATE
BENNETT-DAUGHERTY Rita A. (reinstated 12-12-05) Tallahassee FL
BRASILI
John Vincent
Lantana
FL
CLARK
Neel Thornton
Pensacola
FL
COFFMAN
Jeremy Othel
Cincinnati
OH
CROUSE
Charles Edward
Jacksonville
FL
CROWLEY
Christine Lynn (reinstated 5-3-05) Margate
FL
DANZY
Deardes Dequon
Bartow
FL
DARITY
Rachan Milvet
Orlando
FL
EXPEDIENT TITLE SERVICES, INC.
Miramar
FL
FALOON
Jennifer L.
Jacksonville
FL
GREGG
Franklin (reinstated 5-12-05) Osten
FL
HAMILTON
Curtis Wayne
Panama City
FL
HERROD
Joy Sheryl (reinstated 5-27-05) N. Lauderdale FL
HUGHES
John Michael (reinstated 12-20-04) Mobile AL
KENNEDY, III Thomas Seilles (reinstated 2-14-05) Pensacola FL
KROLL
Gary Melvin
Tulsa
OK
LIEBERMAN
Charles Steven Boca Raton
FL
LOPEZ
Cynthia Helen
Miami
FL
MACLENNAN
CandySue (reinstated 12-22-05) Orange City FL
MACK
Anna Michelle Jacksonville
FL
MARC
Jamil
Boca Raton
FL
MARROW Christopher Lee (reinstated 7-22-05) Melbourne FL
MARTINO Frank Joseph (reinstated 5-27-05) W. Palm Beach FL
MASON Kevin Gregory (reinstated 7-27-05) Mary Esther
FL
MAYNER
Carole Suzanne (reinstated 3-28-05) Brandon FL
MURPHY
Mary Owens
Jacksonville
FL
NAUGHTON Martha Show (reinstated 12-22-05) Monticello FL
NEWKIRK
Carol May (reinstated 2-15-05) Orange City FL
OCEJO
Jorge Lazaro (reinstated 8-15-05)
Miami
FL
ODY AUTO SALES, INC
Hialeah
FL
PECKOS
Matthew Thomas
Brandon
FL
PEDULLA
Vincent Joseph
St. Petersburg
FL
PLATT
David (reinstated 11-15-04) Deerfield Beach FL
RICHARDSON Aaron A.
Fort Lauderdale
FL
RITTER Raymond Kenneth (reinstated 4-7-05) N. Miami Beach FL
ROGERS
Derek Lin (reinstated 11-1-04) Jacksonville FL
SMITH
David Gerald
Deltona
FL
SMITH
Leonard (reinstated 12-7-04) Cummings
FL
SPURGE
Sue Mahle
N. Palm Beach
FL
STENGEL
John Herbert
Hollywood
FL
SULLIVAN
Maureen C.
Chattanooga
TN
SUMMERVILLE Adam C. (reinstated 5-26-05)
Largo FL
TARAFA, Jr.
Marino
Miami
FL
THELUSMA
Anastasia Lyesse Pembroke Pines
FL
TRUEBLOOD
Robert Wesley
Hobe Sound
FL
VOGEL
Howard Irvin
West Palm Beach
FL
WERTEPNY
Edward Martin Tampa
FL
WIGGINS
Scott Fitzgerald Orlando
FL
ZELANKA
Jerrod Keith
Boca Raton
FL
This is an abreviated list of revocations and suspensions. A
delay caused by last year’s hurricane season has kept a more
up to date list from being printed in this issue. An up to date
list will be in the next issue of the Intercom.
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INTERCOM
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THE
Tom Gallagher
INTERCOM
Chief Financial Officer
Lisa Miller, Chief of Staff
Karen Chandler, Deputy Chief Financial Officer
The Intercom is published by the Department of Financial Services,
Division of Agent and Agency Services.
DIVISION OF AGENT AND AGENCY SERVICES
Mary Alice Palmer, Division Director
Philip M. Fountain, Assistant Division Director
Sean Rinehart
Editor/Publisher
(850) 413-5418
•••
BUREAU OF LICENSING
Hazel Muhammad, Bureau Chief
Matthew Tamplin, Assistant Bureau Chief
Contributors: Barry Lanier, Hazel Muhammad, Jay Newton,
Don Powers and Matt Tamplin.
Bureau of Licensing ..............................................................................(850) 413-3137
Education Section ............................................................................(850) 413-3137
Qualification Section ......................................................................(850) 413-3137
We welcome suggestions and inquiries concerning The Intercom. Written
suggestions should be mailed to Sean Rinehart, Florida Department of Financial Services, 200 East Gaines St., Room 416.4, Tallahassee, FL 32399-0318, or
sent via e-mail to sean.rinehart@fldfs.com.
Adjuster’s Qualifications • Fingerprint Information
Nonresident Agents • Bail Bonds • Managing General Agents
Terminations • Customer Representatives • Mediator Approval
©Copyright all rights reserved.
Reproduction in whole or in part without permission is prohibited.
License Control Section.......................................................................(850) 413-3137
Certification and Clearance Letters • Forms
Appointment Renewals • Company and Agency Name Changes
•••
BUREAU OF INVESTIGATION
Barry Lanier, CLU, FLMI, Bureau Chief
Patsy Bartolo, Assistant Bureau Chief
I
Bureau of Investigation........................................................................(850) 413-3136
The Tallahassee office investigates complaints in Calhoun, Dixie, Franklin,
Gadsden, Gulf, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Taylor, Wakulla
and Washington counties
NOTICE
Investigative Field Offices
Daytona Beach, Volusia County ...................................................... (386) 323-0901
Investigates complaints in Alachua, Brevard, Citrus, Columbia, Dixie, Flagler,
Gilchrist, Hamilton, Lafayette, Levy, Marion, Putnam, Sumter, Suwannee and Volusia
counties
f your name, residence address, principal
business street address or mailing address
changes, you must notify the department within
60 days of the change. Licensees who fail to
comply are in violation of Chapter 626.551,
Florida Statutes, and are subject to investigation
and possible disciplinary action.
Fort Myers, Lee County .......................................................................(239) 461-4001
Investigates complaints in Charlotte, Collier, Desoto, Glades, Hendry, Highlands and
Lee counties
Jacksonville, Duval County .............................................................. (904) 798-5801
Investigates complaints in Baker, Bradford, Clay, Duval, Nassau, St. Johns and Union
counties
Miami, Dade County .............................................................................(305) 536-0301
Investigates complaints in Dade and Monroe counties
The fastest and easiest way to update your
contact information is via the internet. Go to
https://aalf.fldfs.com on the department’s
web site.
Orlando, Orange County ....................................................................(407) 835-4401
Investigates complaints in Lake, Orange, Osceola and Seminole counties
Pensacola, Escambia County.............................................................(850) 453-7801
Investigates complaints in Bay, Escambia, Holmes, Okaloosa, Santa Rosa, Walton
and Washington counties
If you still need to mail in your information for
any reason please mail your notice of change
to:
Bureau of Licensing
Department of Financial Services
200 E. Gaines St.
Tallahassee, FL 32399-0319
20
Plantation, Broward County .............................................................. (954) 321-2901
Investigates complaints in Broward county
Tampa Bay, Pinellas County ............................................................... (727) 563-1141
Investigates complaints in Hardee, Hernando, Hillsborough, Manatee, Pasco,
Pinellas, Polk and Sarasota counties
West Palm Beach, Palm Beach County........................................... (561) 640-6701
Investigates complaints in Indian River, Martin, Okeechobee, Palm Beach and St.
Lucie counties
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