State of Washington Office of the Insurance Commissioner Hearings Unit PO Box 40255 Olympia WA 98504-0255 Demand for Hearing 5000 Capitol Boulevard Tumwater, WA 98501 (360) 725-7002 FAX (360) 664-2782 [email protected] Please type or print in ink. Attach a copy of the Order or correspondence in dispute and all documents supporting your demand. This Demand for Hearing can be mailed, faxed, hand-delivered or emailed to the Hearings Unit at the address abov~ LE if") For OIC Demands, please provide contact information for all other interested parties and their representatives. If" \ ~ d Requesting Party (required Information) 0 ' Name/Business Name OIC Case/Ord 1 No.0 · Taw N. Jackson 18-0280 IT

, Street Address City, State, Zip OFFICE Of 0 o 15216 68th Ave Ct E Puyallup, WA !V;~$,l1CE COMMioSIO!lfo Telephone Number Fax Number 206-484-3584 Contact Person Telephone Number Email Address Taw Jackson [email protected]

II Authorized Representative/Attorney for Requesting Party Last Name First M.I.

Business Name

Street Address City, State, Zip

Telephone Number Fax Number Email Address d Subject Matter of Demand for Hearing 0 Revocation or Denial of License D Revocation or Denial Certificate of Authority or Registration D Cease and Desist Order D Imposition of Fine/Consent Order OOther ______b Additional Parties/Representatives (for more parties and/or representatives, please attach additional pages) Last Name First M. I.

Business Name

Street Address City, State, Zip

Telephone Number Fax Number Email Address

II issues and Arguments a. Issues - Briefly describe each issue or area of dispute that you wish us to consider. Attach additional pages if necessary.

* Events surrounding the incidents that transpired

* Revocation of Life license along with Property and Casualty License

REV (6/17) b. Arguments - Explain why each issue or area of dispute listed above should be decided in your favor. Attach additional pages if necessary. To the extent known, cite applicable rules, statutes, or cases in support of your arguments. Enclose copies of documents concerning your arguments including documents the Department previously requested from you that you have not yet provided.

*At the time the incidents occurred the entire department was in disarray and in lack of management. I was stepping into a role that was outside my scope due to the poor judgement with the management that existed. The entire department was plagued by errors such as mine. I have spent almost 18 years in the insurance arena and have always prided myself in the quality of my work. Now I am judged over a 6-8 month window working in worst conditions I have ever worked in during my career. I would like the opportunity for my voice to be heard.

*All incidents outlined are based upon the servicing of Property and Casualty accounts. I ask to at the very minimum to reconsider my life insurance license. Life insurance is a completely different process and structure vs. that of the property and casualty. I am asking for the opportunity to work in good faith under my life license and then possibly down the road discussing the reinstatement of my property and casualty license.

d Signature

Either the Requesting Party or the Attorney/Representative can sign this Demand for Hearing. However, if the Representative is submitting the Demand, contact information for the Requesting Party must be provided under Section 1 above and the Attorney/Representative's contact information must be provided in Section 2.

18June2018 Signature Date Taw N. Jackson Name (please print or type) Title

Authorized Representative:

Signature Date

Name (please print or type) Title

REV (6117) ..

STATE OF WASHINGTON OFFICE OF TH.E INSURANCE COMMISSIONER

In The Matter of TAW NATHANIEL JACKSON, ORDER NO. 18-0280 WAOIC NO. 79691 l Licensee. NPN 3679418 ORDER REVOKING LICENSE

To: Taw Nathaniel Jack$on 15216 68th Avenue Ct E Puyallup, WA 98375-7112 tjackson(j"vbhseattle.con1 taw(ii'12anoramicinsurancegro1rn.com

IT lS ORI>E.RED AND YOU ARE HEREBY NOTIFIED that your Washington State insurance producer license is REVO.KED, effective June 20, 2018, pursuant to RCW 48.17.530.

BASIS: 1. Taw Nathaniel Jackson ("the Licensee") is a Washington resident insurance producer, WAOIC No. 796911, licensed on October 18, 2011. He is authorized to issue life, disability, property, and casualty lines ofinsurance. 2. The Insurance Commissioner's Investigations Unit ("Investigations") began its investigation of the Licensee following receipt of Brown & Brown ofWashington Inc. 's ("Brown and Brown" or "the Company") notice of termination for cause. The Licensee wus affiliated with Brown and Brown from November 4, 2016 to August 9, 2017. The Company terrninated Licensee's affiliation for the following reasons: • The Licensee falsified documents to show evidence of insurance for non­ existent or cancelled policies;

• The Licensee failed to notify CQnsumers of!ate payments or cancellation of ORDER REVOKING LICENSE I State of Washington ORDER NO. 18-0280 Otftce of the Insurance Commissioner PO Box40255 LA· 1501738 -1 Olympia, WA 98504-0255 policies; and • The Licensee told consumers they had coverage when they did not. 3. Consumer A.B.: The Licensee admitted to Investigations that he sent fabricated policy identification cards, receipts, and declarations, while he !tied to get A.B., a Brown and Brown employee, reinstated with American International Group, Inc. ("AIG") for coverage on A.B. 's two (2) vehicles. The Licensee admitted to Investigations that during the process, he knew A.B. was without auto insurance from March 2017 to July 2017, but he advised A.B. his vehicles had coverage. The Company reported when the Licensee was approached by A.B. about not receiving a bill or any auto-payments being charged, the Licensee asked for A.B.'s credit card info1mation and told A.B. he would handle the.payment on his behalf. The Company reported the Lict.'!ls1->e con fussed to using a real receipt of a previous transaction for another client to fabricate three (3) receipts of payment. He sent the three {3) fake receipts to A.B. When asked for his reasoning for falsifying the policy reinstatement document and subsequent documents, Jackson stated to the Company that he thought the quotes he received were too high from AIG, and he thought he eould buy time to get a lower one, The Licensee .acknowledged to Investigations that he should have told A.B. he could not find a policy that met A.B.'s price demands instead of proceeding the way he did. The Licensee stated to Investigations that this was the worst error in judgement he made over a seventeen year insurance career. 4. Consumer J, W.: Ac.cording to the Company, the Licensee was notified hy AIG on March 17, 2017, that J.W.'s two (2) yacht polic.ies were slated for non-renewal due to losses. The Licensee approached Underwriting and Marketing for reconsideration but AIG declined to reverse its decision. According to the Company, the Ueensee misled J.W. in a meeting by verbally indicating to J.W. that A!G ht1d rescinded the non-renewal. However, J.W.'s policies had been canceled per the non-renewal. Brown and Brown discovered J. W. was without coverage during an audit ofthe Licensee's work. The Licensee admitted to Investigations that he told l,W. that he was confident he could have the yacht coverage reinstated, which he was unable to do. ln addition, he acknowledged that he was aware J.W. 's yachts were not covered for up to three {3) months while he worked on the account. The Licensee never advised J. W. or anyone else ut Brown and Brown that the yachts were not insured. J.W. stated to lnvestigations that the Licensee led him to believe he had coverage until he was noti fled by the Company of the isstlC. 5. Consumer D.M.: According to the Company, on May I0, 2017, D.M. requested that ORDl'R REVOKING LICENSE 2 Stnte ofWashinglt'n OKJ)l.R NO. l8-0280 Office of th~ Insurance C1immis:H.S.'s account was written in October 2016 and in January 2017, H.S.'s policies were cancelled for non-payment. On January 30, 2017, H.S. asked the Licensee for the status of her account and after no reply, asked again on February 4, 2017. On February 7, 2017, the Licensee sent a signed statement of no losses to AIG for reinstatement. In March 2017, the Licensee requested proof of coverage two (2) times. The Licensee did not send policy declarations to the client until April l 0, 2017. On April 18, 2017, the Licensee reported that Chase Bank did not pay the bill but would be overnighting the payment. On June 19. 2018, the Licensee responded to AIG's email regarding pending collections. Ae<.'Ording to the Company, H.S.'s property remained uninsured until July 2017. The Licensee admitted to Investigations that H.S.'s account was his responsibility. He stated he did not notify H.S. even though he knew the property was uninsured. He stated he did not know why Chase Bank did not make the payment. He stated H.S. was uninsured for one ( l) to three (3) months. When asked by Investigations what he had been doing to rectify the problem, the Licensee stated the account just fell through the cracks. 7. Consumer E.N.: According to the Company, on January 30, 2017. the Licensee ORDER REVOKING LICENSE 3 State ofWashingt,1n ORDER NO. I8·0280 Office of the lnsuran~e Cornmh,,ioner PO Bc>x 40255 LA .. 150173B .. I Ol~mpia, \\'A 98504·0c55 received an email from E.N.'s proxy requesting to add a newly acquired vehicle to E.N.'s policy. The Lkcnscc advised the client's proxy he would add the vehicle to the policy, effective January 29, 2017. The Licensee issued fake identification cards to E.N.'s proxy on January 30, 2017, and the vehicle was not added to the policy. On July 19, 2017, E.N.'s proxy requested a complete list of vehicles and boats on E.N. 's policy. The Licensee provided a list on July 25, 2017 and indicated the vehicle was covered by the auto policy. The vehicle had not been added to the policy. The Licensee stated to Investigations that he realized he had done something wrong months later when he was contacted. He stated he thought he had added the vehicle to the account and he should have sent a follow-up email to an account tech in the office notifying her of the change to the account. He stated he was new to the job. The Licensee acknowledged he sent emails indicating the vehicle had been added. When he realized the vehicle had not been added, he completed the process. The Licensee confirmed the vehicle was not insured from January 2017 to July 2017. At this time, he added the vehicle to the policy. 8. Consumer B.N. and M.N. ("B.N. ''.); According to the Company, the Licensee did not send invoices to B.N. and the consumers' policies were cancelled for nonpayment. Activities were placed in the Company's management system indicating that the Licensee had spoken with the insureds' personal manager about the need to pay the invoice. The manager denied that these conversations had taken place and had no knowledge that the policies had been cancelled for nonpayment. The Company provided a copy of cancellation notice that was sent to the Licensee with no action taken to reinstate the coverage. The Licensee reported to Investigations that this was an account he had taken over and when he saw the cancellation notice, he did not realize he was supposed to forward the invoice to the client. He stated he just thought it was anotice that the client's proxy was cancelling for non-payment. He stated he notified an individual in the Company and was also trying to involve Chubb Insurance. He acknowledged that he entered in the management system that he called the manager about the cancellation, but had not done so. He talked to the same individual in the Company and was informed that they needed to do something about the issue. He confirmed that by this time, the coverage had been cancelled. He was not sure how long B.N. was uninsured. According to the Company, the policy was cancelled on May 11. 2017, and was not reinstated until approximately July 2017. 9. Consumer A.N.: According to the Company, on February 10, 2017, billing notices were sent to the Licensee to be forwarded to A.N. A late payment notice was received on March ORDER REVOKING LICENSE 4 State of Washington ORDbR NO. 18-0280 Office of the Insurance Commis~ioner PO Box 40255 LA - l 501738 • I Olympia, WA 98504-0255 17, 2017 and sent to the insured on March 22, 2017. The bill activity was closed in the agency management system without any notes or confinnation from the insured that the notice was sent. No payment was received and A.N.'s policies were canceled for non-payment. The Licensee received approval for reinstatement on April 13, 2017, but no payment was made or follow-up until May 19, 2017, and the policy was cancelled. The Licensee contacted A.N. regarding payment, however, did not infonn A.N. that she no longer had coverage. The Company reported because mail correspondence for A.N. is directly delivered to Brown and Brown in lieu of the client's private home, it was the Licensee's responsibility to make sure A.N. was aware ofthe policy status. The Licensee reported to Investigations that once he received the cancellation notice he contacted A.N. and confirrned she had the invoice. He stated A.N. told him she was camping and would respond. He confirmed that he would process the paym.ent for A.N. through her bank account or credit card. He said payment was never made because A.N. did not contact him. The Licensee stated he did not know he was supposed to send the invoice, he told A.N. he would process the payment but must have dropped the ball, he did not put anything in the system or tell anyone about the policies being cancelled, and he never notified A.N. about the cancellation. A.N. was without coverage from April 2017 to approximately July 2017. 10, According to Brown & Brown and Chubb Insurance, all of the insureds are now covered and they have not suffered any harm as a result of lapses in their coverages. 11. RCW 48.01.030 provides the business of insurance is one affected by the public interest, requiring that all persons be actuated by good faith, abstain from deception, and practice honesty and equity in all insurance matters. Upon the insurer, the insured, their providers, and their representatives rests the duty of preserving inviolate the integrity of insurance. J2. RCW 48. I 7.530( I )(b) allows the Insurance Commissioner to place on probation. suspend, revoke, or refuse to issue or renew !Ill insurance producer's license for violating any insurance laws, or violating any rule, subpoena, or order of the Insurance· Commissioner or of another state's insurance commissioner. 13. RCW 48. l 7.530(l)(e) ullows the Insurance Commissioner to place on probation. suspend, revoke, or rcti1se to issue or renew an insurance producer's license for intentionally misrepresenting the terms ofan actual or proposed insurance contract or application for insurance. 14. RCW 48. I7.530(1 }(g) allows the Insurance Commissioner to place on probation, suspend, revoke, or refuse to issue or renew an insurance producer's license or to Jeyy a ciYil ORDER REVOKING LICENSE 5 State of\\'11-'hington ORD!:R NO. 18-0280 Office of the Insurance Commissioner PO Box 40255 LA· 1501738- I Olympia, WA Q8504-0J55 p

ENTERED at Tumwater, Washington, this 5fk day of __·J__u_~~(...~--· 2018.

MIKE KREIDLER Insurance Commissioner

By and through his designee

Sofia arow Insurance Enforcement Specialist Legal Affairs Division

State of Washington ORDER REVOKING UCENSE 6 Otlice of the Insurance Commissioner ORDER NO. l 8-0280 PO Box40255 Ol>1npia, WA 98504-0255 !.A-1501738 · l ••

NOTICE OF YOUR RIGHT TO A HEARING

If you are aggrieved by this Order Revoking License, you may demand a hearing in accordance with RCW 48.04.010, WAC 284-02-070, and WAC 10-08-110. Generally a hearing demand must be in writing and received within ninety (90) days after the date of this Order Revoking License, which is the day it was mailed to you, or you will waive your right to a hearing. lfthe Insurance Commissioner receives your demandfor a hearing before the effech've date listed on the order revoking your license, the revocation will be automatically stayed (postponed) and your lice11se will remaill 111 effect pending the hearing.

You may fill out a demand for hearing form online at the following location: https:/1www.insurance. wa.govfhow-file-demand-headng

Alternatively, ifyou choose to file by mail, your demand for hearing must briefly state how you are harmed by this decision and why you disagree with it, along with contact information (phone number, mailing address, e-mail address, etc.) for yourself and any representative that appears on your behalf. The demand may be sent to the following address:

Hearings Unit Office ofthe Insurance Commissioner PO Box 40255 Olympia, WA 98504-0255

You will be notified of the time and place of your hearing. If you have questions about filing a demand for hearing or the hearing process, please telephone the Hearings Unit at (360) 725-7002, or send an email to [email protected].

ORDER REVOKING LICENSE 7 State of Washington ORDER NO. 18-0280 Office ofthe Insurance Commissioner PO Box 40255 LA· 1501738 ·I Olympia, WA 98504-0255 ..

CERTIFICATE Of MAll11NG

The undersigned certifies under the penalty of perjury under the laws of the state of Washington that I am now and at all times herein mentioned, a citizen of the United States, a resident of the state of Washington, over the age of eighteen years, not a party to or interested in the above-entitled action, and competent to be a witness herein. On the date given below l caused to be served the foregoing Order Revoking License on the following individual by email and by depositing in the U.S. mail via state Consolidated Mail Service with proper postage affixed:

Taw Nathaniel Jackson 15216 68th Avenue Ct E Puyallup, WA 98375-7112 [email protected] [email protected]

Dated this _5~-f±::__day of ::J'(..;....n<- , 2018 in Tumwater, Washington.

·-·-··--­ ·~~~.OSH PACE egal Assistant Legal Affairs Division

ORDER REVOKING LICENSE 8 Smtc ofWa,hington ORDER NO. 18-0280 Ortice ofthi: lnsuran1.~e ('otnn1lssioner PO Box 40255 I.A. 1501738 · 1 Olympia, WA 98504-0255