by Cindy Stephenson, Legal Division
Over the past several months, state insurance departments have learned that numerous claims under life and property insurance policies, annuities, and dowry policies sold in Europe, prior to and during World War II, were never paid to many Holocaust survivors or their heirs. As a result, state insurance regulators across the U.S. are joining in efforts to resolve the situation.
International Commission
One such effort is the establishment of an International Commission to pursue resolution of the outstanding insurance claims of Holocaust victims, survivors, and their heirs. As of April 30, 1998, Illinois and 35 other states, along with major Jewish organizations and European insurers, had committed to signing a "Memorandum of Intent" to accomplish the following:
Illinois has also been participating with other states in a National Association of Insurance Commissioners' Working Group which laid the foundation for resolution of the claims by identifying issues of concern and developing a strategy for cooperative resolution. A smaller group of state regulators will now take on the tasks of negotiating the specifics of an agreement to establish the international commission and defining the parameters for the claim handling operations.
An initial meeting between U.S. and European insurance regulators is scheduled for June 10 in London.
Consumer Outreach
Illinois is working with other states to assist in the establishment of a uniform, centralized claim processing system through referral of all claimants to the Holocaust Claims Processing Office (HCPO) operated by the New York State Banking Department. The HCPO has a staff of highly trained claims specialists who are available to provide assistance in eight languages (English, French, German, Hebrew, Polish, Russian, Spanish, and Yiddish). The HCPO staff assist claimants in filling out claim forms and collecting relevant documentation. The HCPO staff will file the claims with all appropriate bodies in Europe and follow-up on the claims submitted to ensure that thorough consideration is given. The HCPO provides its assistance to claimants free of charge.
The Holocaust Claims Processing Office may be reached at:
Address:
State of New York Banking Department
Holocaust Claims Processing Office
2 Rector Street
New York, New York 10006
Telephone:
(800) 695-3318 (in the U.S.)
(212) 618-6983 (outside the U.S.)
(212) 618-6908 (fax)
E-mail Address:
claimsques@banking.state.ny.us
Internet Address:
In addition to the national level activities, the Illinois Department is working with the Jewish Federation of Metropolitan Chicago and several of its agencies, along with the Holocaust Memorial Foundation of Illinois and Sheerit Hapleitah of Metropolitan Chicago to identify and assist potential claimants living in Illinois in filing their claims for unpaid insurance proceeds. To that end, seminars will be held June 11th and 17th at the Holiday Inn North Shore, 5300 West Touhy, Skokie, Illinois.
Staff and volunteers will answer questions and assist Holocaust survivors and heirs with the submission of claims. Claim forms and assistance will be available from 4:00 p.m. to 8:00 p.m. on Thursday, June 11 and from 9:00 a.m. to 2:00 p.m. on Wednesday, June 17.
Kenneth Skiera was appointed Chief Examiner of the Life/Accident and Health Financial Examination Section on March 2, 1998. A 28 year Department veteran, Ken had served as Assistant Chief Examiner since 1979.
Donald Wulf was elected President of the Insurance Data Management Association on April 28. IDMA is an association of insurance professionals whose work involves the management of insurance data and information processing. Don is Assistant Deputy Director of the Department's Cost Containment Section.
Karen Vancil and William McAndrew were named to supervisory positions in the Consumer Services Section effective June 1 and July 1 respectively. A consumer services analyst since July 1974, Karen will head the Life/Accident and Health Unit. Bill joined the Department as legislative liaison in February 1993, and will oversee the Property and Casualty Unit.
by Richard Rogers, Deputy Director, Consumer Division
The utilization of after-market or non-original manufactured (non-OEM) automobile parts has become extremely popular with the insurance industry. Illinois law permits the use of non-OEM parts provided the insurance company complies with the requirements of Illinois Insurance Code Section 5/155-29 regarding disclosure requirements and modification costs, as well as the warranty requirements provided under Part 919.
Department staff met recently with legislators and their constituents who are owners of auto body shops. Those individuals expressed concern that the insurance industry is:
Proper notification by the insurance company to the consumer as to warranty and fitness of the non-OEM parts is an integral and critical part of the Illinois Insurance Code and Part 919.
The Department will closely review all complaints filed and claim files surveyed in a market conduct examination to gauge full compliance with the Illinois Insurance Code and Department Regulation 919 and will take appropriate regulatory action where required.
On April 6, 1998, the Illinois Department of Insurance issued a bulletin (CB 98-6) to all licensed property and casualty insurance companies setting forth our position on the use of Year 200 (Y2K) exclusion endorsements. Questions should be directed to Frank Weaver at (217) 524-8379. The text of the bulletin follows:
(CB 98-6) Year 2000 Coverage and Endorsements
Are we heading for a computerization collapse on January 1, 2000? Until the date arrives, no one will know the answers for sure and a state of virtual quandary will exist until then. Beyond the degree of damages looms the question: who will pay for this?
Because of all these speculations of damages and amounts of damages, the Department is concerned that the exposure cannot be accurately predicted. Accordingly, we will closely monitor all activities regarding Y2K endorsements including the following:
Personal Lines Coverages
Commercial Lines Coverages (including commercial property, commercial general liability, professional liability, business owners and similar packages)
If an insurer is nonrenewing the policy, the nonrenewal must comply with Section 143.17a of the Illinois Insurance Code (215 ILCS 5/143.17a) including:
Failure to comply with the requirements of Section 143.17a will result in an invalid nonrenewal and the company must renew the existing policy.
If an insurer is offering to renew the policy but attaching a Y2K exclusionary endorsement, or increasing the deductible, the company must comply with the Illinois Insurance Code [215 ILCS 5/143.17a subparagraph (b)], including:
Failure to comply with the requirements of Section 143.17a subparagraph (b) may result in the company being required to renew the policy for one policy period on the same terms and conditions as the expiring policy.
The Department may set standards for these notices pursuant to the filing requirements of Section 143(2) of the Illinois Code [215 ILCS 5/143(2)]. This Section, in part, states the Director may require the filing of ". . . other matter incorporated by reference . . ." into a policy of insurance issued in this state.
For those policies providing the more typical commercial liability and commercial property coverages, the Department has reviewed various Advisory Organization filings and will use the language in those filings as guidelines in reviewing independent filings. Company filings must specify the lines of coverage affected by the exclusion, the specific types of insureds the company is targeting for exclusion and the specific reasons the exclusions are needed. Blanket filings for all lines will not be accepted.
For policies providing professional liability coverages, independent exclusions or coverage modification endorsements will be considered on a case by case basis.
Department Monitoring and Enforcement Activities
The Department understands the concerns that Y2K responsibilities may be shifted to the insurance industry. While we encourage the business community to quickly resolve their problems regarding Y2K, this does not affect our position.
Because of the Department's concerns about how industry will address possible Y2K exposures, we will carefully monitor the marketplace both through complaints and market conduct examinations to determine if inappropriate Y2K-related activities are occurring.
Inappropriate Y2K-related activities will include, but not be limited to: canceling policies mid-term due to Y2K exposures; nonrenewing policies or using Y2K endorsements on a blanket basis as opposed to underwriting individual risks; using Y2K exclusions to the degree that marketplace disruption is evident; or, receiving consumer complaints regarding company abuses that are above norm due to Y2K-related exclusion activities.
If the Department determines that inappropriate Y2K-related activities are taking place, we will rigidly enforce all existing laws and regulations to provide remedial relief to consumers, including sponsoring new legislation to control insurance industry misconduct.
The full text of Department rules is printed in the Illinois Register published weekly by the Illinois Secretary of State's Index Department, 111 E. Monroe St., Springfield, IL 62756. Subscriptions are available from that source for an annual fee of $290. Issue numbers and a Department contact person are listed below after each rule summary.
Copies of rules are also available upon written request to the Department of Insurance at a $1 per page charge. Adopted rules are codified in Title 50 of the Illinois Administrative Code.
Rule 4202 (Cost Containment Form and Data Reporting Requirements) was repealed effective March 3, 1998, and replaced with Rule 4203 (Insurance Cost Containment Data and Reporting Requirements) effective March 3, 1998. The revised rule clarifies the filing instructions, eliminates much of the data reporting required by Rule 4202, and reduces the filing requirement to once a year. (Vol. 22, #11; Bruce Hrabak)
Rule 4404 (Portability of Creditable Service Time for Downstate & Suburban Police Pension Funds) was adopted effective May 1, 1998, to implement Public Act 90-460 which requires the Department of Insurance to establish methodology for calculating the true cost of transferring creditable service time for certain public pension funds. This rule had been adopted on an emergency basis in December 1997. (Vol. 22, #20; Scott Brandt)
Rule 4415 (Payment of Annual Compliance Fees for Pension Funds) was adopted effective April 27, 1998, to implement Public Act 90-507 which requires Illinois public pension funds to pay an annual compliance fee. The rule establishes a payment mechanism for the fee. (Vol. 22, #19; James Orr)
Rule 4430 (Investment Fee Disclosure Requirements for Pension Funds) was adopted on March 31, 1998, to implement Public Act 90-507 which allows pension funds to make permitted investments beginning January 1, 1998. The rule addresses fee disclosure to ensure that pension funds obtain adequate information about the actual fees and costs incurred in conjunction with investment transactions. The rule had been adopted on an emergency basis in December 1997. (Vol. 22, #15; Jim Orr)
Rule 5421 (Health Maintenance Organization) was amended effective March 31, 1998, to implement Public Act 90-0376 which authorizes HMOs to make basic outpatient preventative and primary health care services available to children under the age of 19 who are otherwise unable to obtain health care benefits. The rule had been amended on an emergency basis in November 1997. (Vol. 22, #15; Mary Petersen)
Financial
All American Life Insurance Company -- 3/27/98
Alliance General Insurance Company -- 5/08/98
Banner Mutual Insurance Company -- 3/31/98
Barry Mutual Insurance Company -- 4/27/98
Chicago Mutual Insurance Company -- 5/05/98
Columbia Casualty Company -- 4/17/98
Comprehensive Ensurers Market Syndicate Inc. -- 3/31/98
Continental Assurance Company -- 4/17/98
Continental Casualty Company -- 4/17/98
Decatur Farm Mutual Insurance Company -- 4/21/98
Enfield Farmers Mutual Insurance Company of
Enfield, White County, Illinois -- 4/27/98
Farmers Albion Mutual County Fire Insurance Company -- 5/06/98
Financial Benefits Insurance Company -- 5/05/98
Illinois Casualty Company (Blackhawk, Incorporated) Attorney-in-fact for the
Illinois
Casualty Company, an Inter-Insurance Exchange -- 4/03/98
Illinois Farmers Insurance Company -- 5/05/98
Mazon Mutual County Fire Insurance Company -- 5/07/98
McDonald's Operators Risk Management Association, Inc. -- 5/07/98
MidState ReInsurance Corporation -- 4/21/98
Osco and Western Farmers Mutual Fire and Lightning
Insurance Company -- 5/06/98
Reinsurance Company of America Inc. -- 5/05/98
State Farm Life Insurance Company -- 4/01/98
State Farm Annuity and Life Insurance Company -- 4/01/98
State Farm Life and Accident Assurance Company -- 4/01/98
Svea Mutual Insurance Company -- 3/31/98
Transportation Insurance Company -- 4/17/98
Watseka Mutual Insurance Company -- 4/27/98
Market Conduct
Aetna Insurance Company of Illinois -- 3/25/98
Allstate Life Insurance Company -- 5/12/98
American Community Mutual Insurance Company -- 5/07/98
Auto-Owners Insurance Company -- 4/03/98
Pioneer Life Insurance Company -- 5/01/98
Anne P. Josetti
American Family Mutual Insurance Company
6/16/98 Hearing No. 3669
Nonrenewal
J. Michael Robbins
6/17/98 Hearing No. 3662
Request for license
Tracy T. Slater
6/23/98 Hearing No. 3664
Revocation of licensing authority
Frederick Mittleman
6/23/98 Hearing No. 3667
Suspension of licensing authority
Ronald J. Viemont
6/24/98 Hearing No. 3663
Revocation of licensing authority
Clifford Hardy
Allstate Insurance Company
6/30/98 Hearing No. 3668
Nonrenewal
Matters Settled without Hearing:
Apollo Casualty Co.
Hearing No. 3616
Dismissed 3/12/98
Kathleen Dean
Economy Preferred Insurance Company
Hearing No. 3650
Dismissed 3/20/98
Ownerguard
Hearing No. 3614
Stipulation and Consent Order 4/3/98
Roger A. Steele
Hearing No. 3644
Stipulation and Consent Order 4/6/98
P. Jean Van Hoose
Hearing No. 3656
Dismissed 4/27/98
James A. Bahl
Licensing authority revoked
Hearing No. 3657
Dismissed 5/7/98
Completed Hearings:
David P. Slavens
Hearing No. 3617
Revocation of license rescinded; civil forfeiture ordered 3/19/98
Robert M. Benning
Hearing No. 3624
Licensing authority revoked 3/19/98
Elaine Tumpane
Illinois Farmers Insurance Co.
Hearing No. 3640
Nonrenewal effective 3/19/98
Mc Kenley Wilson
Hearing No. 3634
Licensing authority revoked 3/27/98
Edgar Grove
Country Mutual Insurance Co.
Hearing No. 3637
Nonrenewal effective 4/01/98
William P. Starkey
Hearing No. 3546
Application for license denied; civil forfeiture ordered 4/02/98
Narinderpal S. Sood
Hearing No. 3594
Order of revocation rescinded ; civil forfeiture ordered 4/06/98
David Lewis
Hearing No. 3598
Order of revocation rescinded; civil forfeiture ordered 4/07/98
Diane J. Allen
Hearing No. 3623
Order of revocation rescinded; civil forfeiture ordered 4/17/98
Michael Thomas Mourek
Hearing No. 3612
Order of revocation rescinded; civil forfeiture ordered 4/20/98
Michael P. Bertino
Hearing No. 3591
Order of revocation rescinded; civil forfeiture ordered 4/27/98
Keith A. Lauritzen
Hearing No. 3595
Order of revocation rescinded; civil forfeiture ordered 4/27/98
William M. Shaver
Hearing No. 3601
Order of revocation rescinded; civil forfeiture ordered 4/27/98
George Gukich
Hearing No. 3618
Licensing authority suspended 4/27/98 until record clears with Dept. of Revenue
Gordon P. Sowers
Hearing No. 3636
Order of revocation rescinded; civil forfeiture ordered 4/27/98
James Prince
Hearing No. 3645
Order of revocation rescinded; civil forfeiture ordered 4/27/98
Reno & Genesia Thurmon
State Farm Fire & Casualty Co.
Hearing No. 3655
Nonrenewal effective 4/30/98
Mary V. Clemons
Hearing No. 3582
Order of revocation reaffirmed 5/5/98
Melvin K. Johnson
First National Insurance Group, Inc.
Hearing No. 3547
Licensing authority revoked for both parties; civil forfeiture ordered 5/6/98
Giuliani Frank Guzi
Hearing No. 3571
License suspended 5/15/98 until record clears with Dept. of Revenue
James K. Perlstein
Hearing No. 3638
Order of revocation rescinded; civil forfeiture ordered 5/15/98
Charles T. King
Hearing No. 3642
Licensing authority revoked 5/15/98
Editor's Note: We recently discovered that a group of regulatory actions from late 1996 were never published. Since these listings provide an historical reference, we are including them in this issue at the end of each category. We apologize for the oversight.
License Revocations
Robert M. Benning
226 Eleventh Street
Streator, IL
Effective 3/19/98
Steven E. Clark
127 Curtis Drive
Chillicothe, IL
Effective 2/23/98
First National Insurance Group, Inc.
10940 South Western Avenue
Chicago, IL
Effective 5/6/98
Samuel Frank
1111 Acacia Drive #204
Indian Head Park, IL
Effective 3/25/98
Melvin K. Johnson
7349 South Kenwood
Chicago, IL
Effective 5/6/98
Daniel G. Kasprzak
2966 Wind Hill
Dyer, IN
Effective 3/25/98
Janice P. Malone
341 Emory Road
Macomb, IL
Effective 3/12/98
Robert H. Norris
521 South Westmore
Lombard, IL
Effective 2/27/98
Donald L. Schoch
8607 Sunset Drive
Byron, IL
Effective 4/27/98
McKenley Wilson
20214 South Augusta Drive
Olympia Fields, IL
Effective 3/27/98
Sandra D. Ellison
4135 B Bearsdale Road
Decatur, IL
Effective 11/27/96
Rick J. Kemme
RR #2, Box 41
Dieterich, IL
Effective 12/26/96
Pacific Auto Insurance Agency
3448 West Fullerton
Chicago, IL
Effective 12/4/96
Julio L. Padilla
3929 North Spaulding
Chicago, IL 12/4/96
Mark F. Parks
1111 West Hollywood, Apt. 413
Chicago, IL
Effective 11/25/96
Voluntary Revocations
Donald William Aleshire, Jr.
777 Burr
Winnetka, IL
Effective 3/4/98
Philip J. Bland
6311 South Fairview #131
Westmont, IL
Effective 3/16/98
Dan Clifton
5726 South Seeley Avenue
Chicago, IL
Effective 3/25/98
1001 Financial Services
137 Longwood Drive
Ingleside, IL
Effective 4/24/98
Parker Aleshire & Company
9933 Lawler Avenue
Skokie, IL
Effective 3/4/98
John M. Simons
714 Chandler
Danville, IL
Effective 4/20/98
Fred L. Stilley
PO Box 6
Olive Branch, IL
Effective 3/20/98
Steve Tabaluyan
1330 Valley Lake, Apt. 125
Schaumburg, IL
Effective 4/13/98
Jack D. Townsend
6061 Timber Bend Drive
Plainfield, IN
Effective 3/25/98
Wojciech F. Wojcik
137 Longwood Drive
Ingleside, IL
Effective 3/24/98
Michael R. Coles
24 Cypress Square
Elgin, IL
Effective 11/13/96
Clarence Mallory
515 18th
Cairo, IL
Effective 12/13/96
Bessie V. Rich
108 West 10th
West Frankfort, IL
Effective 12/5/96
Randy Lee Weckerly
339 Parkside Drive
Sycamore, IL
Effective 12/23/96
Licenses Suspended
John Patrick Dohm
6532 Spring Brook Road
Rockford, IL
Effective 5/4/98
George Gukich
19W740 Bluff Road
Lemont, IL
Effective 3/3/98
Clay Kennedy Boyd
2000 Larkin Avenue
Elgin, IL
Effective 11/15/96
John Edmiston Hardy, Jr.
3852 South Parkway Drive, #2B
Northbrook, IL
Effective 12/26/96
Kevin M. Kilgore
4551 Opal Drive
Hoffman Estates, IL
Effective 12/26/96
John E. Miller
8150 West 95th Street
Hickory Hills, IL
Effective 12/26/96
Chanhing Ng
1757 West Wallen
Chicago, IL
Effective 11/15/96
Stipulation and Consent Order - Civil Forfeiture Paid
Academy for Advanced Learning
800 East Northwest Highway, Suite 700
Palatine, IL
Effective 1/27/98
Michael John Amwoza
19939 South Rosewood Drive
Frankfort, IL
Effective 3/10/98
Jacqueline A. Brown
117 West Harrison, 6th Floor W506
Chicago, IL
Effective 3/12/98
Thomas Joseph Corken
321 East Chamberlin Street
Dixon, IL
Effective 2/23/98
Cutrona Insurance Agency, Inc.
1305 Remington Road, Suite E
Schaumburg, IL
Effective 3/10/98
James E. Gleason
260 Stonegate Road
Clarendon Hills, IL
Effective 2/20/98
Phillip S. Hugart
9504 234th Street North
Port Byron, IL
Effective 3/11/98
Timothy F. Hughes
1600 Mobil Road, PO Box 1001
Jacksonville, IL
Effective 3/11/98
Patrick J. Idoux
513 Mary Drive
Waterloo, IL
Effective 3/31/98
Roger D. Kennell
523 Newberry Drive
Elk Grove, IL
Effective 3/10/98
Raymond D. Muniz
PO Box 432
St. Jacob, IL
Effective 2/2/98
Donald Walter Norton
2844 Kerchner Lane
Alton, IL
Effective 3/10/98
Carlos A. Pereda
6447 North Winchester Avenue
Chicago, IL
Effective 1/6/98
James E. Richardson
665 Buckeye Street
Elgin, IL
Effective 1/27/98
Roger A. Steele
213 South Church
Princeton, IL
Effective 4/6/98
Robert T. Swanson, Jr.
149 East Mill Street #5
Wauconda, IL
Effective 3/11/98
Team Insurance & Financial Services, Inc.
9504 234th Street North
Port Byron, IL
Effective 3/11/98
Ronald Thomas
87 Paxton #3S
Calumet City, IL
Effective 2/4/98
Thomas & Associates Insurance Agency
8805 South Stony Island
Chicago, IL
Effective 2/4/98
James E. Torgerson
710 Blaine Court
Schaumburg, IL
Effective 3/20/98
Viaticus, Inc.
200 South Wacker Drive, Suite 1400
Chicago, IL
Effective 4/16/98
Walder Rhodes Corken, Inc.
1131 North Galena Avenue
Dixon, IL
Effective 2/23/98
Loyd W. Weber
208 Alice
East Peoria, IL
Effective 3/31/98
Jerry A. Cherney
2750 Porter Court
Glenview, IL
Effective 11/4/96
Eagle Insurance Agency, Inc.
3280 North California Avenue
Chicago, IL
Effective 11/4/96
Robert P. Gainsberg
2837 Manor Drive
Northbrook, IL
Effective 11/4/96
Jory Gruenberg
3900 Lizette
Glenview, IL
Effective 11/6/98
William Charles Gruenberg
63 Wilmette Avenue
Glenview, IL
Effective 11/8/96
John Hancir
556 Meadowwood Drive
Lake Forest, IL
Effective 11/8/96
William Lanzarotta
3114 Oak
Brookfield IL
Effective 12/23/96
Legal Financial Associates
3280 North California Avenue
Chicago, IL
Effective 11/4/96
John Mazur
1606 East Hyde Park Blvd.
Chicago, IL
Effective 9/27/96
John Mazur & Associates, Ltd.
727 South Dearborn Street
Chicago, IL
Effective 9/27/96
Metropolitan Insurance Service Consultants, Inc.
5400 North Elston Avenue
Chicago, IL
Effective 11/8/96
Ronald E. Reed
16937 Glen Oaks Drive
Country Club Hills, IL
Effective 10/15/96
Joseph Sylvester Rogala
2 South 574 Danbury Drive
Glen Ellyn, IL
Effective 10/1/96
Denial of Request for Producer License
Terry B. Carr
RR 8, Box 845
Mt. Vernon, IL
Effective 3/25/98
William P. Starkey
110 North Kenilworth
Oak Park, IL
Effective 4/2/98
Fook-Hang Yuen
1713 Clemens Road
Darien, IL
Effective 4/20/98
Milton A. Cully
692 McHenry Avenue
Woodstock, IL
Effective 2/25/98
George Vincent Cwiak
5425 North Lotus
Chicago, IL
Effective 12/26/96
Other Action -- Director's Order
Diane J. Allen
2 S. 345 Hart Road
Batavia, IL
Effective 4/17/98
Michael P. Bertino
2204 Taylor Street
Joliet, IL
Effective 4/27/98
Keith A. Lauritzen
118 West Delaware Street
Dwight, IL
Effective 4/27/98
David Lewis
311 South 23rd Avenue
Bellwood,IL
Effective 4/7/98
Leonard George Liehr
3000 Carman Avenue
Springfield, IL
Effective 2/26/98
Michael Thomas Mourek
2S 601 Danbury Drive
Arlington Heights, IL
Effective 4/20/98
David P. Slavens
820 Oakwood Road
East Peoria, IL
Effective 2/19/98
Narinderpal S. Sood
2748 2nd Private Road
Flossmoor, IL
Effective 4/6/98
Bill Schenk Insurance Agency, Inc.
6726 West Northwest Highway
Chicago, IL
Effective 2/16/96
William Emil Schenk
7342 North Oleader
Chicago, IL
Effective 2/16/96
William Schenk, Jr.
6726 West Northwest Highway
Chicago, IL
Effective 2/16/96
Back to the top
New Admissions
Midwest Insurance Company, IL, 3/20/98
Terminations
Dreyer Health Plans, IL, voluntary dissolution of certificate of authority
4/13/98
North American Capacity Insurance Company, NH, canceled its certificate of authority
4/1/98
Forest Products Manager, Inc., Attorney in Fact for Forest Products Insurance
Exchange, MN, canceled its certificate of authority 5/4/98
Washington Security Life Insurance Company, MO, certificate of authority suspended
3/26/98 to 3/26/00
Fines
The following insurance companies were issued Stipulation and Consent Orders and fined for Insurance Code violations and/or improper claims practices cited in their Illinois market conduct examinations:
Allstate Life Insurance Company, IL, $10,000
American Community Mutual Insurance Company, MI, $150,000
Auto-Owners Insurance Company, MI , $10,000
Pioneer Life Insurance Company, IL, $100,000
| Copyright ©2007 DOI | Contact Us | Privacy/Disclaimer | Illinois Privacy Information | Kids Privacy | Web Accessibility |