By: Jason L. Perez
Department Authorized Insurance Education Provider
⭐️⭐️⭐️⭐️⭐️ | The Insurance School .com
Florida Insurance Pre-Licensing Course
Episode One (B)
VIOLATION | Ethics – Insurance Agent Testing FRAUD Scheme
iLaw Episode ONE (b)
VIOLATION | Ethics – Insurance Agent Testing FRAUD Scheme
Insurance ETHICS VIOLATION
Insurance Licensing & CE helps Maintain Minimum Competency Standards.
– Purpose of Insurance Licensing?
– [ Identify ] Florida’s Official Testing Center
– What punishments can Florida’s Insurance Regulators NOT Impose.
– [ Identify ] CFO’s Quasi-Judicial Authority
– When do local Circuit Courts become involved with insurance violations?
– Who is responsible for investigating Insurance FRAUD.
– [ Note ] Un-Authorized Entities
MIAMI… You again? On June 27, 2024, Florida Chief Financial Officer Jimmy Patronis announced the ARREST of two insurance agents, and a third individual, for their alleged involvement in an Insurance Agent License Testing Fraud Scheme in Miami.
® DAD = Rainer Miguel Salas
® SON = Rainer Alexander Salas
® Receptionist = Karla Lit Peralta Ceballos
At first whiff, this D&R Insurance Group, Inc. case smells GUILTY. For starters, DAD was already barred from conducting the business of insurance. For what… not sure, don’t care. His trustworthiness card has already been REVOKED. Alexander (AND) Karla were licensed Florida insurance brokers at the time of arrest.
In April of 2024, the CFO’s Criminal Investigations Division of the Department of Financial Services receive a tip pertaining an UN-AUTHORIZED Entity. Apparently, D&R Insurance Group was conducting State Exam Pre-Licensing and prep courses. The problem was this institution of higher learning was taking DFS Licensing Exams on behalf of their clients.
Everything about this scam is wrong. If a person can’t get through Pre-Licensing, they’re NOT a reliable source of information. This trio literally making a business out of destabilizing our local insurance marketplace. Potentially thousands could have been exposed to ignorant / untrustworthy licensees if their scam hadn’t been reported so fast.
Department Investigators COLLECTED enough EVIDENCE to establish a timeframe for this scheme. Over approximately 17-Months, this threesome implemented various tactics to bypass online testing security protocol.
It wasn’t long before DFS Investigators identified all three individuals accepted payments AND facilitated the FRAUDULENT acquisition of approximately five perspective insurance agents’ licenses. More participants are suspected in this licensing scheme.
Rainer Miguel Salas, Rainer Alexander Salas, and Karla Lit Peralta Ceballos were booked into the Turner Guilford Knight Correctional Center on Felony charges which included,
General Conspiracy to Commit Violations of Representing,
Aiding Unauthorized Insurers,
Scheme to Defraud, and
Violation of the Florida Communication Fraud Act.
CFO Patronis can CONDUCT Investigations (AND) COLLECT Evidence. Florida’s CFO CAN NOT impose incarceration as a penalty. When the violation is too large for fines and restitution, our local Circuit Courts and State prosecutors take over. The Miami Dade State Attorney’s Office partnered in this investigation and will lead the prosecution.
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