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Orders to Show Cause

Sharon P. Agbavor, Jamaica Estates, NY
Order to Show Cause #E13-35, April 12, 2013
Respondent is charged with conviction of theft by unlawful taking of moveable property and failing to report an indictment and conviction to the Commissioner.

Consent Orders

Richard R. Billera, Staten Island, NY
Order #E13-39, April 18, 2013
Respondent knowingly submitted an application with false and misleading statements as to the state in which the application was solicited and signed.
Sanction: Fine - $1,500

Empower Brokerage, Inc. and Rodney B. Culp, Ft. Worth, TX
Order #E13-31, April 4, 2013
Respondents failed to disclose an administrative action on an application for a producer license.
Sanction: Fine - $250

Richard A. Mahler II, Staten Island, NY
Order #E13-33, April 4, 2013
Respondent knowingly submitted two applications with false and misleading statements as to the state in which the applications were solicited and signed.
Sanction: Fine - $2,500

Richard A. Mahler III, Staten Island, NY
Order #E13-36, April 4, 2013
Respondent knowingly submitted an application with false and misleading statements as to the state in which the application was signed and solicited.
Sanction: Fine - $1,500

Douglas Smith, Hackettstown, NJ
Order #E13-32, April 4, 2013
Respondent improperly signed a suitability acknowledgment form and falsely certified that he had met with an applicant, verified her identity and delivery the annuity.
Sanction: Fine - $1,500

Lucas E. Suydam, Beach Haven, NJ
Order #E13-40, April 24, 2013
Respondent signed the names of two applicants to insurance illustration forms without their knowledge or consent.
Sanction: Fine - $2,000

Sheila M. Zullo, Green Brook, NJ
Order #E13-30, April 1, 2013
Respondent was convicted of third degree Money Laundering arising from the illegal distribution of loan funds while acting as an escrow agent.
Sanction: Revocation

Final Orders

Janet R. Hohn, East Brunswick, NJ  
Order #E13-24, March 18, 2013
Respondent submitted an application to CAIP that she knew contained false information as to the address of the business, the identity of the business owner and the identity of the vehicle operator. Respondent falsely indicated that she witnessed the applicant’s signature, which signature she knew to be forged.
Sanctions: Revocation, Fine - $11,000, Attorney’s Fees - $7,377.50 and Costs - $1,775

Orders to Show Cause

Lisa Ann Costello, Franklin Lakes, NJ and Lodi, NJ
Anthony M. Costello, Sr., Franklin Lakes, NJ
Costello & Associates, Lodi, NJ
Order #E13-27, March 20 2013
Lisa Ann Costello and Costello & Associates are charged with employing Anthony M. Costello, Sr. following the revocation of his insurance producer license and utilizing Anthony M. Costello, Sr.’s name in advertising and other documents following revocation of his insurance producer license. Anthony M. Costello, Sr. is charged with working in an insurance agency following the revocation of his insurance producer license. Lisa Ann Costello, Anthony M. Costello, Sr. and Costello & Associates, Inc. are charged with failing to respond to the department’s request for information.

Christine E. Dix, Spotswood, NJ
Richard Fischer, Parsippany, NJ
Personalized Insurance Planning, LLC, Parsippany, NJ
Order #E13-28, March 20, 2013
Respondents are charged with submitting an application for small employer health coverage and related documents that they knew contained false information as to the number of employees of the applicant and their work location.

Larsen Global Marine, Inc., Westfield, NJ
Virginia Larsen, Westfield, NJ
William Larsen, Westfield, NJ
Order #E13-25, March 20, 2013
Respondents are charged with repeatedly failing to remit and misappropriation of premium. Virginia Larsen is charged with failing to report an indictment and subsequent conviction of theft arising from her misappropriation of premium.

Aquiles F. Novillo, Dover, NJ
All Business Insurance Managers, Inc., Dover, NJ
Order #E13-26, March 20, 2013
Respondents are charged with failing to report criminal indictments and a conviction to the Department, with the conviction of All Business Managers, Inc. for tampering with public records by falsifying insurance documents, and with making false statements on their producer license renewal applications.

Consent Orders

Nelson Gonzalez, Mercerville, NJ
Bandit Bail Bonds, Trenton, NJ
Order #E13-23, March 14, 2013
Respondents failed to timely return collateral following the discharge of bail.
Sanctions: Fine - $4,000 and Costs - $675

John Padilla, Newtown, PA
Order #E13-29, March 20, 2013
Respondent submitted a change of broker form that failed to contain the genuine signature of the insured, failed to maintain records, and failed to notify the Commissioner of actions taken against him by the NASD and the New York Department of Insurance.
Sanction: Fine - $3,000

Nilda Rodriguez, Philadelphia, PA
Order #E13-21, March 8, 2013
Respondent procured flood and homeowners insurance for an applicant prior to being licensed and erroneously obtained coverage for only one of two dwellings for which the applicant requested coverage.
Sanction: Fine - $4,000

Maureen R. Stillwell, Somerville, NJ
Order #E13-22, March 14, 2013
Respondent was convicted of second degree money laundering as a result of the illegal distribution of loan funds and preparation of false closing documents.
Sanction: Revocation

Francis J. Winterle, Philadelphia, PA
Jersey Central Insurance Agency Inc., Gloucester City, NJ
Order #E13-20, March 8, 2013
Respondent used advertisements that falsely indicated that a person was licensed.
Sanction: Fine - $1,000

Final Orders

Ezekiel A. Peduto, Fort Lee, NJ and American Bail Bond Associates, Fort Lee, NJ
Order #E13-17, February 25, 2013
Respondent failed to return excess premium, charged improper and excessive fees, failed to respond to a Department subpoena and failed to advise the Department of new residence and business addresses.
Sanctions: Revocation, Fine - $15,000 and Costs - $725

Orders to Show Cause

Mark C. Donohue, Jr., Wenonah, NJ and Arbor Title Agents, Inc., Wenonah, NJ
Order #E13-15, February, 2013
Respondents are charged with failing to properly disburse funds held in escrow following a real estate closing, commingling of funds which were supposed to be held in escrow, misappropriation of escrow funds, and failing to respond to a Department inquiry.

Edward Furfey, Pennington, NJ, Jeffrey Barker Gibbs, Princeton, NJ and Clear Advantage Title, Inc., Hamilton, NJ
Order #E13-14, February 19, 2013
Respondents are charged with commingling premium, failing to hold premium and closing funds in escrow, misappropriation of premium and settlement funds, forgery, failing to deliver title insurance policies and failing to respond to a Department subpoena.

Annmarie O’Neill, Gilbertsville, PA and Senior Seminar Services, Inc., Gilbertsville, NJ
Order #E13-13, February 19, 2013
Respondents are charged with selling, soliciting and negotiating insurance while not licensed, employing unlicensed persons to sell, solicit and negotiate insurance, failing to report a branch office to the Department, improper use of a professional designation, misrepresentation of the terms of in force annuities, making misleading, incomplete and fraudulent statements about in force annuities, making false statements on applications for annuities, failing to obtain information relevant to the suitability of an annuity, taking physical possession of a client’s financial records, including checks, writing checks from a client’s account for personal expenses and harassing a client.  

Consent Orders

Maria Ciocco, Medford, NJ
Order #E13-12, February 11, 2013
Respondent submitted annuity applications that misstated the state in which the applications were signed and failed to satisfy or vacate two judgments for state taxes.
Sanction: Fine - $3,000

Rosemary Hernandez, Maple Shade, NJ
Order #E13-19, February 28, 2013
Respondent submitted an application for automobile insurance knowing that the applicant was deceased.
Sanction: Fine - $5,000

Maria L. Ljuba, Key Largo, FL
Order #E13-18, February 26, 2013
Respondent paid bribes, including straw contributions, to government officials in order to be selected broker for health insurance contracts by local government entities.
Sanction: Revocation, Fine - $75,000

John M. Norcia, Seaside Park, NJ
Order #E13-16, February 19, 2013
Respondent failed to advise a client who was replacing an annuity of the provisions of the protection clause endorsement of the in force annuity.
Sanction: Fine - $1,500

Final Orders

John Martosella, Medford, NJ
Order #E13-08, January 17, 2013
Respondent failed to respond to an Order to Show Cause charging him with submitting annuity and life insurance applications without the authorization of the purported applicants, with submitting annuity and life applications with false information, with providing fictitious checks in support of said applications and with commission of insurance fraud.
Sanctions: Revocation, Fine - $105,000 and Restitution - $1,974

Orders to Show Cause

Thomas Dobrek, Bordentown, NJ
Order #E13-01, January 2, 2013
Respondent is charged with violating the Insurance Fraud Prevention Act by making false statements to an insurance company representative regarding an automobile accident and by assisting his wife in making false statements to an insurance company representative regarding said accident.

Maria Ljuba, Vineland, NJ and Middletown, DE and Key Largo, FL
Order #E13-06, January 17, 2013
Respondent is charged with paying bribes, including straw contributions, to government officials in order to be selected broker for health insurance contracts by local government entities.

Consent Orders

Robert J. Bishop, Egg Harbor, NJ and Equity Title Agency, Inc., Egg Harbor, NJ
Order #E13-02, January 3, 2013
Respondents failed to supervise employees who diverted monies from various trust accounts and sub-accounts of Equity Title Agency, Inc. and failed to produce or maintain records.
Sanction: Revocation of license of Equity Title Agency, Inc., Fine - $2,500 against Equity Title Agency, Inc. and $2,500 against Robert J. Bishop

Orlando Frasca, Danville, CA
Order #E13-10, January 21, 2013
Respondent failed to report a consent agreement with the California Insurance Department and improperly answered the question on his license renewal application regarding involvement in administrative proceedings.
Sanction: Fine - $1,000

Linda Johnson, Philadelphia, PA
Order #E13-09, January 29, 2013
Respondent failed to report a consent agreement with the Delaware Department of Insurance and failed to notify the Department of a residential address change.
Sanction: Fine - $1,000

Physician Office Partners, Overland Park, KS
Order #E13-05, January 9, 2013
Respondent acted as a third party billing service for a provider group in New Jersey when it was not certified as a third party billing service.
Sanction: Fine - $1,000

Boris P. Salazar, Paterson, NJ
Order #E13-07, January 17, 2013
Respondent submitted a Medicare Advantage application for an individual who did not apply for the coverage or sign the application.
Sanction: Fine - $1,500

Lucille M. Sharpe, Philadelphia, PA
Order #E13-03, January 2, 2013
Respondent fraudulently processed and submitted applications for seven persons without their knowledge or consent and failed to provide said applications in response to Department inquiries.
Sanction: Revocation

Paul Stawinski, New York, NY
Order #E13-04, January 9, 2013
Respondent co-signed and submitted an insurance application that falsely stated that he had witnessed the applicant’s signature and failed to report a consent order with the New York State Department of Financial Services.
Sanctions: Fine - $2,000