佛罗里达州无证保险代理Ohan与同伙Villaruel被捕：2002年起终身禁业仍卖假保险、向建筑公司骗保费10,500美元
美国佛罗里达州 Tallahassee——佛罗里达州首席财务官 Blaise Ingoglia 10月27日宣布，州财政服务厅刑事调查处（CID）已逮捕涉嫌无证经营保险代理业务的 Yaudat Antonio Ohan 及其同伙 Alberto Villaruel：Ohan 自2002年起已被终身禁止持有保险代理执照，却在 Villaruel 的保险代理机构里以代理人身份卖保险、出具虚假保险凭证，向一家建筑公司收取10,500美元保费，而保单从未生效；案件将由迈阿密-戴德县州检察官办公室起诉。
据州财政服务厅通报，调查起于一家建筑公司向该厅合规官员提交了两份虚假的保险凭证（COI）；承保的保险公司确认，相关保单从未生效，10,500美元保费付给了 Ohan，由他向公司业主出具了凭证。调查转向 Ohan 后发现，他自2002年起即被永久禁止持有保险代理执照，却一直在 Villaruel 担任负责人的代理机构里从事代理业务；进一步调查显示，Villaruel 明知 Ohan 没有执照，仍任由他收取保费而不提供有效保障。
Ohan 已于9月28日被捕，被控共谋敲诈勒索、有组织诈骗、重大盗窃、使用伪造文书、非法使用电信设备、无证从事保险业务及保险资金挪用等罪名。Villaruel 已于10月20日被捕，被控重大盗窃、有组织诈骗及共谋敲诈勒索。Ingoglia 表示，佛州人的保单是用来保护他们的、不是给犯罪分子银行账户送钱的，任何无证从事保险代理或协助无证代理的人都将面临法律的全面制裁。财政服务厅呼吁知情者拨打保险欺诈热线 1-800-378-0445 或通过 FraudFreeFlorida.com 举报。
Florida Arrests Unlicensed Agent Ohan, Barred Since 2002, and Accomplice Villaruel in Fake Insurance Certificate Scheme Involving $10,500 Premium
TALLAHASSEE, Florida — Florida Chief Financial Officer Blaise Ingoglia announced on October 27 that the Department of Financial Services' Criminal Investigations Division (CID) has arrested Yaudat Antonio Ohan, an alleged unlicensed insurance agent, and his accomplice Alberto Villaruel. Ohan has been permanently barred from holding an insurance agent license since 2002, yet allegedly worked as an agent at Villaruel's agency and provided fraudulent insurance coverage, collecting a $10,500 premium from a construction company for policies that were never active. The case will be prosecuted by the Miami-Dade State Attorney's Office.
According to the department, the investigation began when a construction company submitted two fraudulent Certificates of Insurance (COIs) to a DFS compliance officer. The insurance company confirmed the policies were never active and that the $10,500 premium was paid to Ohan, who provided the company owner with the COIs. Investigators found that Ohan acted as an insurance agent at Villaruel's agency, and that Villaruel, the agent-in-charge, knew Ohan was unlicensed and let him collect premiums without providing valid coverage.
Ohan was arrested on September 28, 2026, and charged with conspiracy to commit racketeering, organized scheme to defraud, grand theft, uttering a forged instrument, unlawful use of a telecommunications device, transacting insurance without a license, and insurance funds diversion. Villaruel was arrested on October 20, 2026, and charged with grand theft, organized scheme to defraud, and conspiracy to commit racketeering. Ingoglia said anyone acting as an unlicensed insurance agent, or aiding one, will face the full brunt of the law. The department encourages anyone with knowledge of fraud to call the insurance fraud hotline at 1-800-378-0445 or report it at FraudFreeFlorida.com.
来源：GSM·美国（原文链接）
图片来源：图：位于 Tallahassee 的佛罗里达州历史议会大厦与州议会大厦。Michael Rivera 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / Photo: The Historic Capitol and the Florida State Capitol in Tallahassee. Photo by Michael Rivera, CC BY-SA 3.0, via Wikimedia Commons.
