Unauthorized Insurance Plans
The Texas Department of Insurance (TDI) has become aware of an increase in unauthorized insurance plans and operators seeking to take advantage of Texas consumers in the insurance marketplace. Individuals and entities who craft and market unauthorized insurance scams do not hold a license to sell insurance in Texas. They are often assisted in marketing their bogus products to Texas consumers through licensed insurance agents.
TDI suggests only buying insurance from licensed companies and agents. It is against the law to sell insurance without a license in Texas. To learn more about a company or agent, including license status, call TDI’s Consumer Help Line at 1-800-252-3439 or visit the Check Companies section of our website.
Orders
Below is a listing of orders issued between 2006 and 2011 where the commissioner concluded that unauthorized insurance was involved. These orders may be useful to victims who choose to bring action against those involved in selling the unauthorized insurance. View orders for 2004 and older.
2011 Orders
- Tina Le and Virnet, Premium Finance, Order No. 11-0506
- Charles Douglas Madden, Jeffery Neil Madden, AGAP Life Offering LLC and AGAP of Texas LLC, Order No. 11-0058
2010 Orders
- Charles Douglas Madden, Jeffery Neil Madden, AGAP Life Offering LLC and AGAP of Texas LLC, Gresham Insurance Brokers, LTD, Condor Guaranty Inc., Colonial Life Insurance Company (Trinidad) Limited, Order No. 10-0351
- William Worthy, II; David L. Clark; Kathleen D. Cauthen; Richard Dunn; Kevin Dunn; Bart S. Posey; Richard H. Bachman; Obed Kirkpatrick; Mirza Shahnawaz Agha; Colin Jack Youell; David L. Nellson aka Davis L. Nellson; Louis Deluca; Gary L. Karns, Jr.; Wilshire Holding, LLC; Worldwide Family Benefits Association, Inc.; United States Contractors Trust; National Association of Business Leadership, LLC and/or Inc.; Viking Administrators, LLC; Real Benefits Association; American Trade Association, Inc.; Smart Data Solutions, LLC; Southeast Insurance Advisors, LLC; Nationwide Administrators, LLC; CEO Clubs, Inc.; CEO Club Benefits; Hudson Valley Consultants, LLC; AIM Healthplans, Inc.; Association of Independent Managers; Insurance Resource Group; Integrated Insurance Marketing. Inc.; Serve America Assurance, LTD.; Beema Insurance Company-Pakistan; Beema-Pakistan Company Limited; Beema Insurance Company; Beema-Pakistan, Ltd., Order No. 10-0301
- Retirement Value, Richard Gray, and Midwest Medical Review, Order No. 10-0289
2009 Orders
- ARB, LLC, Order No. 09-0651
- Infinity Surety Agency, LLC; George D Black, Order No. 09-0602
- Barber, Benton R; Cody Miller; Jill Moody; Gregory A Beatty; Green Star Roofing; Roofteams; Roof All Texas; 1 Day Roof, Order No. 09-0222
- W.I.N. Association; Michael Bianchi; Roy Stinnet, Order No. 09-0073
2008 Orders
- United States Public Adjusters, LLC; USPA, LLC; Dimitry Manasov; Alexander Step; Kyle Wayne White; Kevin James Franklin; Keir Lenauld Lee; Robert Michael Moser; and Michael Dean Murphy, Order No. 08-1041
- Medfund USA, LLC, Order No. 08-0874
- Mi Tierra Title, LLC, Order No. 08-0638
- Ewing, Boyd DBA Metrocrest Surety Company, Order No. 08-0446
- Garza, Gary Aka Anthony "Tony" Garza, Order No. 08-0240
- Villareal, Ramon A; Underwriters Mgs, Inc; Nafta Gen Agncy, Inc; Int'l Underwriters Gen Agncy, Inc; Daniel T Hernandez; Alejandro I Villareal; Leobaldo "Leo" Tamez; ARI Exrpess; Eagle MGA, Order No. 08-0199
- HR Trust | FAQ | Order No. 08-0192
- Montemayor, Manuel J (San Benito I.S.D.), Order No. 08-0190
- Premium Title Company, Inc.; Kennedy, Robert Lee; Kennedy, Crystal Lea, Order No. 08-0007
2007 Orders
- Webb County Title and Abstract Company, Inc; Raquel Gonzalez, Order No. 07-1057
- CHS Admin, LLC (Consumer Health Solutions); Parimore, Philip Arthur; Worthy, William M, Order No. 07-0936
- Hawkins, Charlie D (Dejohnett) and First Choice Auto Insurance, Order No. 07-0878
- Azle Real Estate Services; Robert Merlee Doby; Donna Jane Reed; Misty Erin Taylor (Landamerica American Title Co), Order No. 07-0867
- Miller, Robert "Glenn"; Contractor's Advantage, Stellar Administration Inc, Contractors' Consortium LLC, Richard Stell, BSI Insurance Services, Bart Bogus,, Order No. 07-0506
- Miller, Robert "Glenn"; Contractor's Advantage, Stellar Administration Inc, Contractors' Consortium LLC, Richard Stell, BSI Insurance Services, Bart Bogus, Order No. 07-0452
- National Foundation of America; Richard K Olive; Susan L Olive, Order No. 07-0385
- Galaxy Industries, Inc dba Galaxy Title Services and Michael Caldwell dba Galaxy Title Services, Order No. 07-0293
- America Title And Esrow, LLC dba America Title Ans Escrow; Anna Newman, Order No. 07-0286
- Morgan, Gilbert; G. Morgan Insurance Agency, Inc; C&S Insurance Services, Inc; C.T. Group, Inc, Lucent Dynamic, LLC, Order No. 07-0170
2006 Orders
- Provident Capital Indemnity, Ltd, Order No. 06-1154
- American Transinsurance Group, Inc (ATG); Quality Distribution, Inc., Order No. 06-0997
- Sinclair Insurance Company, LTD; N M Sim Management Company, Ltd, Order No. 06-0995
- Caring Communities Insurance Company, Order No. 06-0868
- Northamerican Sureties, Ltd (aka NAS), Order No. 06-0827
- Trip Assured, Inc (Tripassured.com), Order No. 06-0783
- Northwest Title Company; Carla Moore; Roderick James; Mavis Broussard, Order No. 06-0725
- Texas Premier Roofing; Nelson Morales, Order No. 06-0492
- Golf Marketing Worldwide, LLC; Kevin Kolenda, Tim Kirchof, Order No. 06-0383
- International Fidelity and Surety, Ltd; Melanie Grunwald, Order No. 06-0147
- Hernandez, Perry Raymond, Order No. 06-0053
2005 Orders
- Mejia, Rudy; Rudy Mejia, Jr; Rudy Mejia Sr; Anthony (Tony) Mejia; AAA Auto Insurance Experts, Order No. 05-1053
- Advanced Administrators, Inc., Order No. 05-1016
- Employers Resource Management Company, Order No. 05-0981
- Davidson, Bert; Interactive Amusement Assn.; United Assurance Co, Ltd; Earl Inglis; R & A Specialty Insurance; Inglis Insurance, Order No. 05-0867
- Hurst Holme Insurance Company Ltd; International Advisory Services, Ltd, Order No. 05-0677
- Progressive International Assurance Ltd; Nationwide Casualty Company; Guardian Underwriters Reassurance Ltd; Globe Indemnity And Casualty; United Guaranty Reassurance Ltd; North Star Reinsurance Group; American Transportation Insurance Co., Order No. 05-0676A
- Osmundsen, Robert; Tricontinental Exhange Ltd; Lloyd Thompson; Matthew Schacter; International Business Services Ltd; Thomas G. Corless; Overland Underwriting Managers Inc; Keith Morcroft; International Marine Association, Order No. 05-0676
- Premier Resources, Order No. 05-0674
- Providential Surety Company, Ltd, Miller & Simon, James Chester Taylor, Order No. 05-0669
- International Union of Petroleum And Industrial Workers Et Al; George Beltz, Mitchel Coneley; Cherille Shelp; William Hope; Tim Gue; Robbie Larkin; Gary Couch; Kent Traynor; John Kudra; Terrence Lafave; Raymond Palombo (See Order For Entire Listing), Order No. 05-0219
- Hanson, Robert Joe; Lyon, Daniel Frank; Global Bonding; Millenium Bonding Enterprises; Individual Surety, Ltd, Order No. 05-0218
- Employee Benefit Management Services; Employers Resource Management Company, Order No. 05-0185
Contact Information
Enrollees may obtain copies of the above orders from TDI by contacting:
Office of Chief Clerk
Texas Department of Insurance
Phone: 512-463-6326
Fax: 512-475-2025
E-mail:
Helpful Consumer Publications
- Helping You With Your Insurance Complaint
- If My Insurance Company Fails
- Insurance Fraud
- Homeowners Insurance
- Auto Insurance Made Easy
- Your Health Care Coverage
File an Insurance Complaint
Read about TDI's consumer complaints process in the Helping You With Your Insurance Complaint publication. You may also e-mail, mail, or fax your complaint along with copies of your supporting documents to
Texas Department of Insurance
Consumer Protection Program (MC 111-1A)
P.O. Box 149091
Austin, TX 78714-9091
Fax: 512-475-1771
E-mail: ConsumerProtection@tdi.state.tx.us
Prevent Insurance Fraud
Insurance Fraud Toll-Free Hotline - 1-888-327-8818
Online Fraud Reporting
Secure Transmission, Fast, Comprehensive, Easy Data Entry
Online Fraud Reporting for Insurance Companies
Online Fraud Reporting for Consumers
For More Information or Assistance
For answers to general insurance questions or for information on filing an insurance-related complaint, call the Consumer Help Line between 8 a.m. and 5 p.m., Central time, Monday-Friday, or visit our website
1-800-252-3439
463-6515 in Austin
www.tdi.state.tx.us
For more information contact:
Last updated: 10/19/2011
