Decision highlights multiple communications to agents about their disclosure obligations.

Agent lies repeatedly to investigators after filing 47 fake claims for massage therapy.

Cases flagged for “elements of tax evasion and potential money laundering.”

Representative changed client’s address to his own to avoid detection.

Regulator lowers penalty substantially after life agent cooperates with investigation.

Agent failed to complete requisite coursework throughout entire licensed career.

Production order identifies agents selling subsequently cancelled policies on cars for export.