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| Home > Insurance Division > Enforcement Activity |
| 2024 Division of Insurance Enforcement Activity |
January > February > March > April > May > June > July > August > September > October > November > December
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| Please Note: P.L. 2013, c. 259 became effective on July 1, 2014. This law amended the Administrative Procedure Act, R.S. 52:14B-1 et seq. One of the amendments requires all state agencies to post on their websites all non-confidential final agency orders, decisions and opinions. Accordingly, all such final agency orders or decisions in disciplinary actions issued subsequent to July 1, 2014 may be accessed by clicking on the link within the summaries below. Orders or decisions issued on such matters prior to July 1, 2014 are available upon request to the Division of Insurance. |
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| November |
Consent Orders
George P. Gravenstine, Moorestown, NJ
Order #E24-64, November 7, 2024
Respondent directed an improper premium rebate credit and the issuance of certificates of insurance which contained false coverage amounts.
Sanctions: Fine - $65,000; license suspension for a period of three months
Jonas Knopf, Lakewood, NJ
Order #E24-65, November 14, 2024
Respondent pled guilty to Federal charges of health care fraud and failed to notify the Department of the criminal charges.
Sanctions: License revocation; Fine - $15,000
Medimax Group Inc. and Rohit Gupta, Edison, NJ
Order #E24-66, November 14, 2024
Respondents operated a third party billing service in New Jersey without obtaining prior certification from the Department.
Sanction: Fine - $5,000
Richard W. Anselmo, Belmar, NJ
Order #E24-67, November 27, 2024
Respondent conducted insurance business from August 2018 to September 2019 under an unlicensed and unapproved business name and failed to identify the insurance producer in distributed brochures.
Sanction: Fine - $5,000
Minerva Tavarez, Woodland Park, NJ
Order #E24-68, November 27, 2024
Respondent submitted false information to an insurer in order to obtain policy discounts for sixteen applicants.
Sanctions: License revocation; Fine - $7,500; Fraud surcharge - $375 |
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| October |
Consent Orders
Jeffrey Glaser, New York, NY
Order #E24-62, October 23, 2024
Respondent misrepresented facts on annuity applications and misrepresented policy features and tax liability to client.
Sanctions: Fine - $25,000; Restitution - $31,866.80
S.H.M.I. Collections Solutions LLC, Milford, NJ
Order #E24-63, October 23, 2024
Respondent acted as a Third Party Billing service without obtaining prior certification.
Sanction: Fine - $5,000 |
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| September |
Final Order
Gina L. Marcella and Champion Insurance Agency, Inc., Deptford, NJ
Order #E24-58, September 16, 2024
Respondents accepted premium for insurance policy and failed to transmit premium to the insurance carrier.
Sanctions: Gina Marcella - License revocation; Fine - $2,500; Champion Insurance Agency - License revocation; Fine - $2,500
Consent Orders
Judith Falcone Irwin, Port Murray, NJ
Order# E24-61, September 26, 2024
Respondent failed to note previous insurance coverage on application and paid premium for client.
Sanction: Fine - $1,000
Joel Perez, Perth Amboy, NJ
Order #E24-60, September 26, 2024
Respondent failed to disclose medical history on an insurance application.
Sanction: License revocation |
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| August |
Final Orders
Ellen B. Edwards, Keansburg, NJ
Order #E24-49, August 7, 2024
Respondent submitted an application for accident insurance which contained false information, filed an injury claim which contained false information and denied the respondent’s familial relationship to the insured.
Sanction: Revocation of license
Peter M. Forde and Madison Insurance and Financial Services, LLC, Green Village, NJ
Order #E24-51, August 8, 2024
Respondents failed to place appropriate cargo and liability coverage and issued 11 Certificates of Liability insurance which contained fabricated information.
Sanctions: Suspension of licenses, personal and agency, for a period of 120 days; Fine -$46,000
Louis Polite Jr., Westampton, NJ
Order #E24-54, August 26, 2024
Polite continued to solicit and negotiate insurance business after having his insurance producer license revoked.
Sanction: Fine - $30,000
Consent Orders
Hong Jing, Morganville, NJ
Order #E24-52, August 16, 2024
Respondent failed to report action against her real estate license when applying for an insurance producer license.
Sanction: Fine - $5,000
Margaret M. Stezzi, Voorhes, NJ
Order #E24-53, August 16, 2024
Respondent failed to send a mortgage payoff to the correct account.
Sanction: Fine - $7,500
CP Corridor AHC LLC, Overland Park, KS
Order #E24-55, August 28, 2024
Respondent operated a Third Party Billing service without obtaining Department certification.
Sanction: Fine - $5,000
Catherine F. Grossman, Union Beach, NJ
Order #E24-56, August 28, 2024
Respondent failed to update a client’s automobile insurance policy.
Sanction: Fine - $5,000
I Diamant & Assoc LLC, Lakewood, NJ
Order #E24-57, August 28, 2024
Respondent allowed unlicensed persons to sell health insurance to New Jersey residents.
Sanction: Fine - $115,000 |
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| July |
Final Orders
Max E. Nozek, Toms River, NJ
The Nozek Group LLC, Toms River, NJ
Order #E24-46, July 31, 2024
Respondents submitted 41 fraudulent insurance applications to two insurance carriers to obtain advanced commissions. Respondent Nozek was convicted of the criminal charge of Third Degree Theft by Deception.
Sanctions: Max E. Nozek – Revocation of License; The Nozek Group LLC – Revocation of License; Fine - $211,000.00, Restitution - $38,778.02
Brian J. Spak, Hamilton Square, NJ
Order #E24-47, July 31, 2024
Respondent engaged in fraudulent and dishonest practices, and demonstrated unworthiness in the conduct of his securities business, failed to report the civil action taken against him by the NJ Bureau of Securities and made a false statement on his insurance license renewal application.
Sanctions: Revocation of license; Fine - $6,000
Demitrios Hallas, Poughkeepsie, NY
Order #E24-48, July 31, 2024
Respondent stole funds from a client, was convicted of criminal Larceny in the Third Degree, and failed to report actions by FINRA and the SEC.
Sanctions: Revocation of license; Fine - $11,000
Orders to Show Cause
Lawrence Ackerman, Delray Beach, FL
Atlantic Business Association Inc., Delray Beach, FL
Order #E24-37, July 31, 2024
Respondents are charged with conducting insurance business without being licensed, selling unapproved health insurance policies, falsely identifying persons as employees to obtain health insurance and defrauding an insurance carrier. Respondent Ackerman was criminally convicted of healthcare fraud by Federal authorities and failed to report the conviction to the Commissioner.
Ramon Herrera, Union City, NJ
Order #E24-38, July 31, 2024
Respondent is charged with failing to report a FINRA action taken against him, misappropriation of financial client funds, and Respondent was convicted of Federal criminal charge of Wire Fraud.
Richard Anselmo, Spring Lake, NJ
Order #E24-39, July 31, 2024
Respondent is charged with soliciting insurance business under an unlicensed and unapproved name and failed to include the required information in his advertisement.
Larry Embry, Union City, NJ
Road Runner Bail Bonds, Somerset, NJ
Order #E24-40, July 31, 2024
Respondent is charged with being convicted of a felony for fourth degree perjury for submitting false information in a bail source application and failing to report the conviction and obtain a required waiver from the Commissioner to continue in the insurance business in New Jersey.
Gina Marcella, Deptford, NJ
Champion Insurance Agency, Deptford, NJ
Order #E24-41, July 31, 2024
Respondents are charged with failing to issue payment for an insured’s renewal of a policy causing the policy not to renew.
Javhon Thompson, North Miami, FL
Order #E24-42, July 31, 2024
Respondent is charged with failing to report actions against his insurance licenses in the states of Iowa, North Carolina and Ohio.
Kenneth D. West, Dallas, TX
Order #E24-43, July 31, 2024
Respondent is charged with selling health insurance policies to New Jersey residents prior to obtaining a New Jersey insurance producer license.
S.H.M.I. Collections Solutions LLC, Milford, NJ
Nicole Ciemneicky, Milford, NJ
Order #E24-44, July 31, 2024
Respondents are charged with operating a Third-Party Billing service for New Jersey providers without first obtaining certification from the Department of Banking and Insurance.
Angelo Maimone, Miami, FL
eSurranty, Inc., Miami, FL
Order #E24-45, July 31, 2024
Respondents are charged with selling cell phone insurance policies to New Jersey residents without obtaining an insurance producer license and misappropriating claim funds. |
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| June |
Consent Orders
Dennis McDine, Washington Township, NJ
Order #E24-31, June 11, 2024
Respondent made a false representation in a loan agreement and failed to report a criminal indictment.
Sanctions: Fine - $2,500; respondent agreed not to reapply for an insurance producer license
Larry R. Weinbaum, Manalapan, NJ
Order #E24-32, June 11, 2024
Respondent falsified information on insurance applications and failed to report an action taken by the Financial Industry Regulatory Authority (FINRA).
Sanctions: Revocation of license; Fine - $5,000
Jhonpoul Espinosa, West New York, NJ
Order #E24-35, June 6, 2024
Respondent submitted four insurance applications which contained altered information to an insurance carrier.
Sanction: Fine - $2,000 |
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| May |
Final Order
RHM Benefits, Inc., Robert W. Mania and Heidi Ann Mania, Flanders, NJ
Order #E24-30, May 22, 2024
Respondents failed to report a criminal conviction to the Commissioner and committed a fraudulent act by misappropriating commissions.
Sanctions: Robert W. Mania – Revocation of License, $5000 fine individually; Heidi Ann Mania – Suspension of licensee for a period of 6 months; RHM Benefits, Inc. – Suspension of licensee for a period of 6 months; Robert W. Mania, Heidi Ann Mania & RHM Benefits, Inc. – $10,000 fine jointly & severally
Consent Order
Amblitel, LLC, Louisville, CO
Order #E24-29, May 20, 2024
Respondent acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
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| April |
Consent Orders
Golden Hour Data Systems, Inc. (ZOLL), Broomfield, CO
Order #E24-21, April 2, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
United Integrity Group Inc., Quakertown, PA
Keith A. Ervin, Quakertown, PA
Order #E24-22, April 3, 2024
Respondent made and disseminated to the public a flyer which failed to identify the name of the insurer and identify the policy by form number or description.
Sanction: $25,000
Freeway Insurance Services of NJ, Guttenberg, NJ
d/b/a First Americano Insurance
Royale Insurance Agency, Bloomfield, NJ
Remberto Perez, Tenafly, NJ
Marta Perez, Tenafly, NJ
Order #E24-23, April 3, 2024
Respondents failed to comply with regulations in the sale of automobile club service contracts to New Jersey insureds.
Sanction: $250,000
A and E Billing, Elizabeth, NJ
Ernesto Berdu, Elizabeth, NJ
Order #E24-24, April 4, 2024
Respondents operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Managed Billing Services, LLC, Parlin, NJ
Order #E24-25, April 4, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Argentina Ramirez, Edison, NJ
Order #E24-27, April 10, 2024
Respondent completed and submitted 29 applications for insurance, to the insurer, with misleading and inaccurate information and without the knowledge of the applicant.
Sanctions: Suspension, Fine - $15,000
Golden Hour Data Systems, Inc., Solana Beach, CA
Order #E24-28, April 2, 2024
Respondents operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000 |
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| March |
Consent Orders
MDVITALS, LLC, Dayton, NJ
Order #E24-20, March 20, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Elite Billing, LLC, Boynton Beach, FL
Order #E24-19, March 13, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Medical Management Resources, Inc., East Syracuse, NY
Order #E24-18, March 13, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
CH Revenue Management Solutions, LLC, Tinton Falls, NJ
Order #E24-17, March 13, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Total Billing Solutions, LLC, Dothan, AL
Order #E24-16, March 13, 2024
Respondent operated as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000 |
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| February |
Consent Orders
Altin Tirana, New Canaan, CT
Order #E24-10, February 7, 2024
Respondent failed to report to the Commissioner, Orders issued by FINRA and Maryland Securities Commissioner within 30 days, in accordance with regulatory requirements.
Sanction: Fine - $7,500
DRD Medical Solutions, LLC, Winslow, NJ
Deborah L. Britton, Ocean City, NJ
Order #E24-11, February 8, 2024
Respondents acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Xifin, Inc., San Diego, CA
Order #E24-12, February 7, 2024
Respondent acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
EZ Med Billing, Montreal, Quebec, Canada
Order #E24-13, February 8, 2024
Respondent acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Source Medical Solutions, Inc., Alpharetta, GA
Order #E24-14, February 14, 2024
Respondent acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000 |
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| January |
Consent Orders
Finch Healthcare, East Brunswick, NJ
Order #E24-05, January 17, 2024
Respondent acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Metro Physicians Management Services, Cranford, NJ
Order #E24-07, January 25, 2024
Respondent acted as a third-party billing service without certification by the Commissioner.
Sanction: Fine - $5,000
Orders to Show Cause
Bernadette J. Jacobus, Blairstown, NJ
Bernadette J. Johansson, Stroudsburg, PA
Order #E24-01, January 8, 2024
Respondent is charged with failing to disclose all drivers in household and misrepresenting ownership of risk vehicles.
Demitrios Hallas, Poughkeepsie, NY
Order #E24-02, January 8, 2024
Respondent is charged with failing to notify the commissioner within 30 days of his arrest, conviction, FINRA and SEC sanctions.
Max E. Nozek, Toms River, NJ
The Nozek Group, LLC, Toms River, NJ
Order #E24-03, January 8, 2024
Respondents are charged with submitting 41 applications for life insurance without the knowledge or consent of the applicants to obtain advanced commissions.
Louis Polite, Jr., Westampton, NJ
Order #E24-04, January 8, 2024
Respondent is charged with conducting insurance business while his producer license is revoked.
Silkia Ostrander, Las Vegas, NV
Rapid Bail Bonds, LLC, Las Vegas, NV
Order #E24-08, January 24, 2024
Respondents are charged with misappropriation and failing to return collateral received in the course of a bail bond transaction; and failing to cooperate with a Department investigation.
Carl Ellen, Passaic, NJ
Order #E24-06, January 25, 2024
Respondent is charged with providing a fraudulent document in support of an application for a Special Automobile Insurance policy. |
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