main menu page title feature menus content footer
My Florida C F O

CFO's Initiatives

Stay Connected

Follow the
Department of
Financial Services

Sign up for the CFO's
weekly newsletter!

Press Release

News   RSS RSS   Press Office   Archive

Department Orders Alabama Man to Stop Selling Insurance in Florida without a License


TALLAHASSEE - The Florida Department of Insurance has issued a cease and desist order to Alphonso Cariglino, 58, of Mobile, Alabama, for selling insurance without a valid insurance agent license and for representing an unlicensed insurance company in the sale of health insurance to an employer in Perry, Florida.

Agents who are not Florida residents must obtain a non-resident license in order to sell insurance in Florida. Unlicensed agents may lack the knowledge and expertise necessary to provide advice on insurance coverage. In addition, insurers may not honor policies sold by an unlicensed agent.

Employers and individuals who purchase insurance from an unlicensed entity may not be fully protected. Unlicensed entities do not participate in a state guaranty fund, which covers unpaid claims in the event a licensed insurer becomes insolvent. In addition to potentially being left with unpaid claims, many employers and individuals who have purchased unlicensed health plans have reported finding difficulty securing new coverage because of pre-existing conditions and the subsequent lapse in continuous coverage.

Employers and individuals shopping for health insurance coverage are urged to check with the department to be sure they are dealing not only with a Florida-licensed insurance company but also with a licensed agent.

Consumers can call the department's toll-free consumer helpline at 1-800-342-2762 to check whether their agent or company is licensed.