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Murrey Anderson

March, 2010
Agent fined $1,000.00 and assessed partial investigation costs of $1,000.00 for contravention of The Insurance Act of Manitoba, Sections 113 (1) and 113 (2) unfair or deceptive act or practice in the business of insurance, and in violation of the Life Insurance and Accident and Sickness Agent's Code of Conduct, Sections 1 and 3.


Douglas Bannerman

April, 2008
Adjuster was fined $500.00 and assessed costs for violation of the Adjusters Code of Conduct - Section 2 "Competence", Section 3 "Quality of Service", and Section 9 "Conduct Towards Others". This matter was appealed to the Insurance Agents and Adjusters Appeal Board, who upheld the Council's decision and imposed an additional cost assessment for total costs of $2,000.00.

June, 2008
Adjuster was found to have failed to maintain errors and omissions coverage without interruption, and was found not suitable or competent to hold an adjuster's licence for violation of the Insurance Adjusters Code of Conduct as it relates to Competence, Quality of Service, Integrity, and Conduct towards Others.


Matthew Beaucage

April, 2010
This former general insurance agent was determined to be unsuitable to hold a General Insurance Agent's Licence due to contraventions of The Insurance Act of Manitoba, including fraud and demonstrated untrustworthiness, and to the General Insurance Agent Code of Conduct, Section 1.


Joel Bourgouin

March, 2009
Council determined that this Life Insurance Agent pay a fine in the amount of $1,000.00 and costs of $1,000.00 for contravention of Section 378(13) of the Insurance Act of Manitoba relating to replacing policies of his former sponsor within one year of termination of sponsorship. Matter appealed to Insurance Agents' and Adjusters' Licensing Appeal Board who upheld fine and costs, and assessed additional costs in the amount of $1,000.00.

Mavis Brake

September, 2007
Council determined that this former Life Insurance Agent is unsuitable to hold a Life Insurance Agent Licence, and fined $25,000.00 and assessed costs of $5,000.00 due to contravention of The Insurance Act of Manitoba, duty to furnish information, misrepresentation, fraud, deceit & dishonesty, incompetency or untrustworthiness to transact insurance, and Life Insurance Agent Code of Conduct "Priority of Policy Owner Interests" and misrepresentation.

John Braun

January, 2010
Agent fined $500.00 and assessed partial investigation costs of $250.00 for contravention of The Insurance Act of Manitoba, Section 113, by failing to fully complete an application form and in violation of the Life Insurance and Accident and Sickness Agent's Code of Conduct, Sections 1 and 3.


BSI Insurance Brokers Ltd.

March, 2009
Council determined that this Insurance Agency pay a fine in the amount of $2,000.00 and partial investigation costs of $750.00 for allowing unlicensed staff to conduct insurance transactions.


Robert Callis

August, 2009
Council determined that this adjuster pay a fine of $250.00 and assessed partial investigation costs of $250.00 in violation of the Insurance Adjusters' Code of Conduct, Section 3 "Quality of Service" due to unacceptable delays in adjusting the insurance loss. This matter was appealed to The Insurance Agents' and Adjusters' Licensing Appeal Board which upheld the decision of the Insurance Council and assessed additional costs of $250.00.

John Cardoso

January, 2007
Council determined that this Life Insurance Agent pay a fine in the amount of $1,000.00 and partial investigation costs of $500.00 for conducing business while unlicensed.

Moby Christoffersen

May, 2009
Council determined that this Life Insurance Agent be fined in the amount of $250.00 and assessed partial investigation costs in the amount of $250.00 for contravention of the Insurance Act of Manitoba, Section 113, by failing to properly complete a disclosure form and in vioaltion of the Life Insurance Agent Code of Conduct, Section 6, Replacement.


Martin DeCorby

July, 2009
Council determined that this Life Insurance Agent pay a fine in the amount of $250.00 and assessed partial investigation costs in the amount of $250.00 for contravention of the Insurance Act, Section 375 (1)(a) Misrepresentation, Fraud, Deceit & Dishonesty; and Life Insurance Agent Code of Conduct, Section 6 Misrepresentation, and Section 11 Safekeeping and Preserving of Property and File Records.


Marie-Louise Deleau

August, 2008
Application refused due to unsuitability in accordance with Section 371(2) of the Insurance Act of Manitoba.



Ross Desiderio

March, 2009
Council determined that this General Insurance Agent be fined in the amount of $2,000.00 and assessed costs in the amount of $1,500.00 for failure to provide proper limits, and failure to advise the client with respect to policy requirements, replacement cost, and coinsurance. These actions were in violation of the General Insurance Agent Code of Conduct, Sections 2, 3 and 4.


Vern Doerksen

February, 2007
Council determined that this Life Insurance Agent pay a fine in the amount of $250.00 and costs of $250.00 for replacing business of his former sponsor within one year of termination of sponsorship.


Dorion Insurance Agency

November, 2009
Council determined that this General Insurance Agency allowed an unlicensed individual to transact insurance business in contravention of The Insurance Act of Manitoba, Section 378(1) and the General Insurance Agent Code of Conduct, Section 9 - Unauthorized Practice of the Profession. The agency was fined $3,000.00 and ordered to pay partial investigation costs in the amount of $1,000.00. The Designated Representative was required to sign an Undertaking that he had read and understood specific sections of The Insurance Act, Regulation 389/87, General Insurance Agent Licensing Rules, and the General Insurance Agent Code of Conduct.


Alain Durand

December, 2006
Council determined that this Life Insurance applicant is unsuitable to hold a Life Insurance Agent licence and therefore his application was refused.


Edna Dyck

April, 2009
Agent's licence was suspended for two (2) weeks, and agent fined $1,000.00 and assessed partial investigation costs of $1,000.00 for contravention of The Insurance Act of Manitoba, Section 375 (1) Misrepresentation, Fraud, Deceit or Dishonesty, and General Insurance Agent Code of Conduct, Sections 1, 2, and 10.

Wayne Esau

July, 2007
Council determined that this General Insurance Agent be fined $1,000.00 and assessed costs of $500.00 for failure to properly assess a significant issuance, contrary to the General Insurance Agents Code of Conduct, Sections 2 and 3.


Guillermo Fiebelkorn

April, 2007
Council determined that this Life Insurance Agent be fined in the amount of $750.00 and assessed costs in the amount of $500.00 for failure to properly complete a disclosure statement.


Sheldon Gray

April, 2008
Council determined that this Life Insurance Agent be fined in the amount of $1,500.00 and assessed partial investigation costs in the amount of $500.00 for for failure to complete the mandatory continuing education credit hour requirement and breach of undertaking in relation to this mandatory condition of licensing.


Serril Gunn

May, 2008
Council determined that this Life Insurance Agent be fined in the amount of $1,000.00 and assessed partial investigation costs in the amount of $1,000.00 for failure to properly complete a disclosure form.


Robert Harder

December, 2008
Council determined that this Life Insurance Agent be fined in the amount of $250.00 and assessed partial investigation costs in the amount of $250.00 for failure to properly complete a disclosure form.


Douglas Homenick

February, 2008
Council determined that this Life Insurance Agent be fined in the amount of $1,000.00 and assessed costs in the amount of $1,000.00 for failure to complete a disclosure statement, failure to disclose intended replacement on an application, and facilitating the cancellation of a policy of life insurance prior to ensuring proposed coverage was in effect. These actions were in violation of the Insurance Act of Manitoba, Section 113(1)(e) and 375(1)(a) and the Life Insurance Agent Code of Conduct, Sections 3 and 6.


Douglas Janczyn

July, 2009
Council determined that this Life Insurance agent pay a fine in the amount of $5,000.00 and assessed partial investigation costs of $2,500.00 for contravention of the Insurance Act of Manitoba, Sections 113 (1) and 113 (2) unfair or deceptive act or practice in the business of insurance, and Section 375 demonstrated incompetency or untrustworthiness; and Life Insurance Agent Code of Conduct, Section 1 Priority of Policyowner Interests, Section 3 Misrepresentation, and Section 10 Good Faith and Compliance with Law. Agent was determined to be unsuitable to hold a licence in accordance with Section 371(2) of The Insurance Act.

Timothy Kennedy

May, 2008
Council determined that this Life Insurance Agent be fined in the amount of $1,500.00 and assessed costs in the amount of $500.00 for failure to complete mandatory continuing credit hours.


Kildonan Insurance Agency Ltd.

July, 2009
Council determined that this General Insurance Agency allowed an unlicensed individual to transact insurance business in contravention of the Insurance Act of Manitoba, Section 378 (1) and the General Insurance Agent Code of Conduct, Section 9 - Unauthorized Practice of the Profession. The agency was fined $1,000.00 and ordered to pay partial investigation costs in the amount of $500.00


Guy Nolin

July, 2008
Council determined that this Life Insurance Agent be fined in the amount of $1,500.00 and assessed costs in the amount of $500.00 for contravention of Section 375(1)(f) of the Insurance Act of Manitoba relating to a breach of undertaking with respect to a mandatory condition associated with the continuing education requirements of licensing.


Nortstar Insurance Agency

July, 2007
Council determined that this Insurance Agency pay a fine in the amount of $1,000.00 and costs of $500.00 for using unlicensed staff to conduct insurance transactions.


Clifford Packer

February, 2007
Council determined that this Life Insurance Agent is unsuitable to hold a Life Insurance Agent licence and was assessed a fine in the amount of $5,000.00 and costs of $2,500.00 for forgery of client signatures and misappropriation of client funds.


Lewis Pohl

March, 2010
Agent fined $2,000.00 and assessed partial investigation costs of $1,000.00 for contravention of The Insurance Act of Manitoba, Sections 113 (1) and 113 (2) unfair or deceptive act or practice in the business of insurance, and in violation of the Life Insurance and Accident and Sickness Agent's Code of Conduct, Sections 1 and 3.


Carla Prette

October, 2008
Council determined that this Life Insurance Agent pay a fine in the amount of $250.00 and assessed costs of $250.00 for failure to properly complete a disclosure statement. Matter appealed to Insurance Agents' and Adjusters' Licensing Appeal Board who upheld fine and costs, and assessed additional costs in the amount of $500.00.


Jonathan Quiogue

July 2010
Council determined that this individual was unsuitable to hold a Life Insurance Agent's Licence, Section 371(2) of The Insurance Act of Manitoba.


Melanie Ransome

March, 2008
Council determined that this Life Insurance Agent be fined $250.00 and assessed costs of $250.00 for misrepresentation involving the submission of a photocopied signature on an application for insurance.


Regent Insurance Brokers

August, 2008
Council determined that this agency pay a fine of $1,000.00 and costs of $500.00 for allowing unlicensed staff to conduct insurance transactions.


Peter Rhoden

May, 2009
Council determined that this Life Insurance Agent pay a fine in the amount of $1,000.00 and assessed partial investigation costs of $500.00 for contravention of the Insurance Act of Manitoba Section 113, by failing to obtain information regarding the existing policy to complete the Disclosure Form, and in violation of the Life Insurance Agent Code of Conduct, Section 3, Misrepresentation and Section 6, Replacement.

O. Wayne Roncin

August, 2008
Council determined that this General Insurance Agent pay a fine in the amount of $500.00 and assessed costs of $250.00 for conducting insurance business while unlicensed.


Tasha Ryszytylo

November, 2009
Council determined that this former general insurance agent is unsuitable to hold a General Insurance Agent's Licence due to contraventions of The Insurance Act of Manitoba , including deceit or dishonesty, withholding cash payments, and demonstrated untrustworthiness; and to the General Insurance Agent Code of Conduct, Section 1 - Integrity.


Saper Agencies (1978) Ltd.

July, 2008
Council determined that this Insurance Agency pay a fine in the amount of $1,000.00 and assessed partial investigation costs in the amount of $250.00 for allowing unlicensed staff to conduct insurance transactions.


Ryan Secord

January, 2007
Council determined that this Life Insurance Agent pay a fine in the amount of $250.00 and costs of $250.00 for replacing policies of his former sponsor within one year of termination of sponsorship.


Paula Schaeffer

April, 2009
This former General Insurance Agent was determined to be unsuitable to hold a General Insurance Agent Licence due to contraventions of the Insurance Act, including not placing coverage, confirming coverage that was not in place, placing improper coverage, forgery, and withholding cash payments.

Kelly Skelton

June, 2008
Council determined that this Life Insurance Agent's Life and Accident & Sickness licenses be suspended for a period of two weeks and costs of $750.00 be assessed for failure to fully consider the circumstances of the client, resulting in improper recommendations in violation of Section 1 of the Life Insurance Agent Code of Conduct (Priority of Policy Owners interest.)


Graham Smith

October, 2008
Council determined that this Life Insurance Agent be fined in the amount of $500.00 and assessed costs of $250.00 for failure to properly complete a disclosure statement.


Jack Sobkovich

June, 2010
Agent fined $1,000.00 and assessed partial investigation costs in the amount of $1,500.00 due to contraventions of The Insurance Act of Manitoba, Sections 369(1) and 378(2) for unlicensed activity, and Section 391 Holding out; and in violation of the General Insurance Agent Code of Conduct, Section 1.


Harley Struth

August, 2008
Council determined that this Life Insurance Agent be fined $1,000.00 and assessed costs of $500.00 for failure to complete the mandatory continuing education credit hour requirement. Fine and costs were assessed following appeal to the Insurance Agents and Adjusters Appeal Board.


H. Richard Symbol

May, 2009
Council determined that this Life Insurance Agent be fined in the amount of $750.00 and assessed partial investigation costs in the amount of $750.00 for contravention of the Insurance Act of Manitoba Section 113, by failing to follow the client's investment profile and instructions, and in violation of the Life Insurance Agent Code of Conduct, Section 1, Priority of Policyowner Interests and Section 3, Misrepresentation.


Terry Szydlik

March, 2007
Council determined that this Life Insurance Agent pay a fine in the amount of $500.00 and costs of $250.00 for failure to properly complete a disclosure statement (essential information omitted from the form, as he did not review the policy). In addition, the information was initially provided on a form not sanctioned for use in Manitoba.


Scott Tays

May, 2008
Council determined that this Life Insurance Agent pay a fine in the amount of $1,500.00 and assessed costs of $500.00 for failure to obtain continuing education credit hours, and breach of undertaking in relation to this mandatory condition of licensing.


Linda VanNest

April, 2007
Council determined that this Life Insurance Agent be fined $500.00 and assessed costs of $500.00 for failure to properly complete a disclosure statement.


Colin Whelan

October, 2007
Council determined that this General Insurance Agent be fined $500.00 and assessed costs of $500.00 for misrepresentation on an application for licensing.