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Enforcement Orders and Actions

The Iowa Insurance Division brings enforcement actions against individuals or entities related to violations of Iowa statutes or rules. These actions are typically initiated by filing a Statement of Charges or Notice of Hearing and may result in an enforcement order against a producer or entity. If a statement of charges has been filed against you or for more information regarding contested cases, click here.

Non-compliance cases are license disciplinary actions referred to the Iowa Insurance Division by other state agencies including the Iowa Department of Revenue and the Iowa Department of Human Resources.

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Name Case Number Enforcement Date Sort ascending Subject Entity Order
Lincoln Benefit Life Company 58941

Northbrook IL

Allegation: Failure to respond to Division inquiry

Resolution: Consent Signed: Provide a response; $500 Fine; $100 Costs

Date of Order/Settlement: 2001-10-23 00:00:00

Cabell, Douglas J. 59721

Bettendorf IA

Allegation: Advertising Violations

Resolution: Consent Signed: 2 yrs probation; $500 Costs

Date of Order/Settlement: 2002-02-11 00:00:00

Huff Jr., Roland L. 58942

Des Moines IA

Allegation: Misappropriation; refusal to cooperate; lack of character.

Resolution: Consent signed: License revocation.

Date of Order/Settlement: 2002-03-25 00:00:00

Rowen, Theodore R. 59595

Colorado Springs CO

Allegation: Failure to disclose felony convictions information on license application

Resolution: Order Signed: License revoked

Date of Order/Settlement: 2002-06-27 00:00:00

Cooper, Vernon W. 58977

Cedar Rapids IA

Allegation: Issued promissory notes to insurance customers

Resolution: Consent Signed: Voluntary Suspension of license pending resolution of issues surrounding promissory notes to clients

Date of Order/Settlement: 2002-08-01 00:00:00

Conseco Senior Health Insurance Company

Carmel IN

Allegation: Failure to respond to Division inquiry

Resolution: Consent Signed: Provide response to Division; Pay $500 Fine $100 Costs

Date of Order/Settlement: 2002-09-25 00:00:00

Denney, Janis I. 59676

Mount Ayr IA

Allegation: Misappropriation of premiums

Resolution: Consent: License revocation; cooperate with the IID investigation

Date of Order/Settlement: 2003-01-16 00:00:00

Scribner, Monica F. 59298

Omaha NE

Allegation: Sale of unregistered securites and/or unregistered business opportunities

Resolution: Consent signed: 1 yr probation; repayment of commissions and finders fee payments of $3500.

Date of Order/Settlement: 2003-02-13 00:00:00

Coventry Health Care of Iowa

West Des Moines IA

Allegation: Time and Notice requirements of external review procedure violations

Resolution: Consent signed: Pay $1000 Civil Penalty

Date of Order/Settlement: 2003-03-27 00:00:00

King, Lawrence S. 58684

Omaha NE

Allegation: Misrepresentations in insurance applications

Resolution: Order: License suspended; Pay $500 Fine

Date of Order/Settlement: 2003-04-17 00:00:00

Christensen, Daniel J. 59300

Dubuque IA

Allegation: Failure to cooperate in an investigation

Resolution: Order: Insurance License suspended; $500 Fine; $100 Costs; respond to Division inquiry

Date of Order/Settlement: 2003-05-22 00:00:00

Behnkendorf, Gerald D. 58710

Algona IA

Allegation: Improper sales of insurance products

Resolution: Consent signed: Cease and desist from further violations; 2 years probation; report all consumer complaints to the Division within 30 days; pay $5000 costs.

Date of Order/Settlement: 2003-06-30 00:00:00

Johnson, Daniel H 58683

Chariton IA

Allegation: Violation of Commissioners Order; Dishonest Practices and Incompetence

Resolution: Order: Insurance producer license suspended indefinitely; Suspension not lifted until the obligations are current or otherwise resolved.

Date of Order/Settlement: 2003-07-23 00:00:00

Dressander, Michael S. 58732

Naperville IL

Allegation: Omission from insurance application; misrepresentation in insurance applications

Resolution: Consent signed: 2 yrs probation; Pay $2000 Fine; $500 Costs; Agrees to sign only those applications he personally solicits

Date of Order/Settlement: 2003-08-29 00:00:00

Neighbor, Mark A. 58830

Alburnett IA

Allegation: Selling without proper license

Resolution: Consent signed: License suspended for 30 days; 1 year probation ending one year from end of suspension date; Pay fine $5368.50; Pay costs $500; Confirm with policyholders policy meets the needs; Pay any additional premiums needed.

Date of Order/Settlement: 2003-10-24 00:00:00

Revland, Markis K. 59314

Arnolds Park IA

Allegation: Failure to comply with previous order and failure to respond to Division inquiry

Resolution: License suspended

Date of Order/Settlement: 2004-01-07 00:00:00

Opheim, James H. 58418

Spencer IA

Allegation: Completed life applications without the proposed insureds knowledge; allowed third party to sign the applicants names without authorization.

Resolution: Consent signed: 1 yr probation; Pay $750 Fine; Pay $250 Costs; Cease and desist from allegations; report administrative actions within 30 days to the Ins. Div.

Date of Order/Settlement: 2004-02-10 00:00:00

Riley, Derrick L. 58469

Waterloo IA

Allegation: Criminal convictions

Resolution: Consent signed: 1 year probation from date license issued; Agrees to report any administration action within 30 days of final disposition; Agrees to report any criminal prosecution within 30 days of initial pretrial conference; Submit quarterly reports.

Date of Order/Settlement: 2004-02-18 00:00:00

Healey, James J. 58474

Dubuque IA

Allegation: Sold unregistered securities without securities license.

Resolution: Consent signed: Cease and desist the offer or sale of securities without securities license; 2 year probation; pay $2000 civil penalty and costs;

Date of Order/Settlement: 2004-03-17 00:00:00

Halsband, Emily J.

Clive IA

Allegation: Conviction of two class "C" felonies

Resolution: Consent signed: Iowa insurance license revoked permanently; barred from reapplying for a securities license in Iowa

Date of Order/Settlement: 2004-03-31 00:00:00

Hifilez Inc

Eagle Grove IA

Allegation: Shares of stock offered by Hifilez are not registered as securities in Iowa.

Resolution: Order: Cease and Desist the offer or sale of unregistered and non-exempt securities in Iowa.

Date of Order/Settlement: 2004-04-20 00:00:00

Mutual Service Life Insurance Company 58487

Arden Hills MN

Allegation: Failure to respond to Division inquiry

Resolution: Consent: Provide substantive response; pay $500 Costs

Date of Order/Settlement: 2004-05-14 00:00:00

Pekin Insurance Company

Pekin IL

Allegation: Allowed business from agent not properly licensed.

Resolution: Order: Pay $3500 Fine; Pay $1500 Costs; contact policyholders; resolve any unmet policyholder needs with costs assess to the agents/agency with report to Division on resolutions with policyholders.

Date of Order/Settlement: 2004-06-22 00:00:00

Spees, Lisa

Keokuk IA

Allegation: Using fraudulent or dishonest practices; failure to cooperate

Resolution: Order: License revoked

Date of Order/Settlement: 2004-07-15 00:00:00

Cooper, Byron D. 59331

Cedar Rapids IA

Allegation: Unlicensed to sell securities; Sale of alleged investments in unregistered securities promissory notes

Resolution: Consent signed: Cease and desist sale or offer to sell securities without a securities license; 2 years probation; $5000 civil penalty.

Date of Order/Settlement: 2004-08-11 00:00:00

Porterfield III, Herlen C. 58037

Lansdowne PA

Allegation: Providing incorrect information on License Application; conviction of a velony revocation of license in another state; failure to cooperate in investigation by commissioner

Resolution: Order: License revoked

Date of Order/Settlement: 2004-09-13 00:00:00

Cross, Scott K. 58065

Perry IA

Allegation: Improper withholding misappropriating or conversion of moneys; failure to cooperate with investigation by commissioner

Resolution: Order signed: License revoked

Date of Order/Settlement: 2004-10-05 00:00:00

UNUM Life Insurance Company of America 58083

Portland ME

Allegation: Multi State Market Conduct Exam for individual and group long term disability income claim handling practices.

Resolution: Agreement: Implement changes in corporate governance; implement the Claim Reassessment Process; Provide initial notice to specified claimants; conduct employee training; pay fine to be allocated to participating regulators.

Date of Order/Settlement: 2004-11-18 00:00:00

Koch, Edward T. 58084

Holy Cross IA

Allegation: Failure to comply with child support order

Resolution: License suspended

Date of Order/Settlement: 2005-01-18 00:00:00

Swafford, Judi A.

Oklahoma City OK

Allegation: Failure to disclose on license application; failure to to notify Diviison of prior actions; revocation of license by another state; failure to cooperate with investigation

Resolution: Order: License revoked; Pay $250 Fine before licensure may be restored

Date of Order/Settlement: 2005-03-23 00:00:00

Borrego, Jesse 58629

Buda TX

Allegation: Failure to notify Division of prior actions

Resolution: Order: License revoked; pay Fine of $500 and Costs of $200 before relicensure.

Date of Order/Settlement: 2005-04-26 00:00:00

Harden, Tony L. 58126

Tampa FL

Allegation: Failure to notify Division of prior actions

Resolution: Order: License revoked; $500 Fine; $200 Costs

Date of Order/Settlement: 2005-05-23 00:00:00

Cunningham, Kevin J. 58160

Palos Park IL

Allegation: Revocation of license by another state; failure to cooperate with investigation

Resolution: Consent signed: two years probation; report any administrative action within 30 days; cease and desist any violation of Iowa insurance laws;pay $350 Fine and $100 Costs

Date of Order/Settlement: 2005-07-06 00:00:00

Waddell & Reed Inc

Overland Park KS

Allegation: Waddell a broker dealer sought to exchange their customers United Investors Life Ins. Co. variable annuities to Nationwide variable annuities. The BB and agents received a new commission on each exchange but many customers paid surrender charges.

Resolution: Order and Consent to Order. Waddell & Reed censured $79000 to compensate Iowa customers $29000 civil penalty to the Division and several undertakings.

Date of Order/Settlement: 2005-08-10 00:00:00

Dedicated Resources Inc

Miami FL

Allegation: Not a registered broker/dealer agents; sale of unregistered securities (viaticals)

Resolution: Consent signed: Cease and desist the offer or sale of unregistered securities (viatical settlement) investment contracts to persons residing in Iowa.

Date of Order/Settlement: 2005-09-10 00:00:00

Geels, Marc A.

Sioux Center IA

Allegation: Advertising violations

Resolution: Consent signed: Cease and desist violations; Pay $500 Costs

Date of Order/Settlement: 2005-12-07 00:00:00

Smith, Jessica 58573

Wallingford CT Allegation: Failure to notify of other state's action Resolution: Order; License revoked $250 fine Date of Order/Settlement: 2005-12-22 00:00:00

Roth, Samantha

Germantown OH

Allegation: Failure to notify Division of administrative action

Resolution: Consent: Cease and desist violations of Iowa law; pay $125 Fine and $125 Costs

Date of Order/Settlement: 2006-01-03 00:00:00

Richardson, Terry C. 58425

Des Moines IA

Allegation: Violations of Securities Act; Unregistered agent & investment adviser representative Misrepresentations & Omissions Cease and Desist orders issued by other states

Resolution: Consent: permanently barred from reapplying for insurance producer license; pay $3000 Costs; cooperate in investigation;

Date of Order/Settlement: 2006-02-23 00:00:00

Ege Jr., John

Cherokee IA

Allegation: Failure to report criminal charges

Resolution: Order and Consent to Order civil penalty and costs assessed.

Date of Order/Settlement: 2006-07-24 00:00:00

Bertsch, Kristoffer

Wilmington DE

Allegation: Failure to respond.

Resolution: Order - License revoked.

Date of Order/Settlement: 2006-08-18 00:00:00

Tradewinds Holding Company A.V.V. 58770

Davie FL

Allegation: Unregistered securities Unregistered agents Ommissions and Misrepresentations.

Resolution: Cease & Desist Order issued.

Date of Order/Settlement: 2006-11-01 00:00:00

Ripka, Linda 58807

Warsaw MN

Allegation: Unregistered securities Unregistered agent Ommissions and Misrepresentations.

Resolution: Order and Consent to Order. Civil penalty imposed in Cease & Desist is vacated.

Date of Order/Settlement: 2006-12-18 00:00:00

Williams, Blair C.

Ankeny IA

Allegation: Failure to comply with Other State Agency - DHS; Non-compliance w/order of Child Support

Resolution: License suspended.

Date of Order/Settlement: 2007-01-24 00:00:00

Bessine, Dustin

Burlington IA

Allegation: Failure to comply with Other State Agency - DHS; Non-compliance w/order of Child Support

Resolution: License is suspended

Date of Order/Settlement: 2007-03-05 00:00:00

Fischer, Lucas

Newton IA

Allegation: Child Support Violation.

Resolution: Order for suspension of insurance producer license.

Date of Order/Settlement: 2007-04-02 00:00:00

Cooper, Vernon

Rochester MN

Allegation: Plead guilty to criminal charges.

Resolution: Consent Order - producer license is revoked and Cooper is permanently barred from reapplying.

Date of Order/Settlement: 2007-05-21 00:00:00

Flattery, Edmond

Albia IA

Allegation: Criminal charges

Resolution: Order of Summary Suspension

Date of Order/Settlement: 2007-06-19 00:00:00

MemberSelect Insurance Company

Dearborn MI

Allegation: MemberSelect was making rate revisions charged for its Iowa Homeowners program.

Resolution: Summary Order Disapproving premium rate changes.

Date of Order/Settlement: 2007-08-07 00:00:00

Avera Health Plans Inc

Sioux Falls SD

Allegation: Avera had not filed a sample notification of a members right to have an external review following a claim denial.

Resolution: Consent Order signed and monetary fines and costs assessed.

Date of Order/Settlement: 2007-09-11 00:00:00