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William Temrowski Insurance License Revoked for Exam Fraud

The Michigan Department of Insurance and Financial Services has revoked the insurance license of William Temrowski (System ID No. 1320286) effective April 20, 2026, following his admission that he hired Alicia Jackson to take and pass an online proctored licensing exam on his behalf. The revocation is based on violations of Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code, which prohibit obtaining a license through misrepresentation or fraud and the use of fraudulent or dishonest practices in business conduct. Temrowski is permanently barred from reapplying for any DIFS-administered license.

Romeo Kalaj Insurance License Revoked for Exam Fraud

The Michigan Department of Insurance and Financial Services (DIFS) has revoked Romeo Kalaj's insurance license effective April 20, 2026, after the respondent admitted to hiring Alicia Buford (formerly Alicia Jackson) to take and pass an online proctored licensing exam on his behalf. The stipulation accepted by Senior Deputy Director Joseph A. Garcia establishes that Kalaj engaged in misrepresentation and fraudulent or dishonest practices under Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code. The order permanently bars Kalaj from reapplying for any license administered by DIFS, and any attempt to do so will constitute a violation subject to additional proceedings.

Alex Momirovski Insurance License Revoked for Exam Fraud

Alex Momirovski's insurance license was revoked by the Michigan Department of Insurance and Financial Services (DIFS) effective April 20, 2026, after he admitted to hiring Alicia Jackson to take and pass an online proctored licensing exam on his behalf. DIFS found sanctions warranted under Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code, citing misrepresentation or fraud and dishonest practices in the conduct of business. The revocation takes effect immediately upon entry of the consent order, signed by Senior Deputy Director Joseph A. Garcia.

Stefan Habba Insurance License Revoked for Exam Fraud

The Michigan Department of Insurance and Financial Services has permanently revoked the insurance license of Stefan Habba (System ID No. 1288040) following his admission that he hired Alicia Jackson to take and pass an online proctored licensing exam on his behalf. The revocation, effective April 20, 2026, is based on violations of Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code for obtaining a license through misrepresentation and demonstrating untrustworthiness through fraudulent or dishonest practices. Habba is permanently barred from reapplying for any license administered by DIFS, and any attempt to do so will constitute a violation of the order and trigger additional proceedings.

Adrian Choulagh Insurance License Revoked for Exam Fraud

The Michigan Department of Insurance and Financial Services has permanently revoked the insurance license of Adrian Choulagh (System ID No. 0958067, Enforcement Case No. 25-18849) following his admission that he hired and employed Alicia Jackson to take and pass an online proctored licensing exam on his behalf. The Order Accepting Stipulation, issued on April 20, 2026 by Senior Deputy Director Joseph A. Garcia, also bars Choulagh from reapplying for any license administered by Michigan DIFS. This enforcement action was initiated after DIFS served a Notice of Opportunity to Show Compliance on December 22, 2025, citing violations of Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code.

Sajad I Alshiblawi Insurance License Revoked for Exam Fraud

Michigan DIFS has revoked the insurance license of Sajad I Alshiblawi (System ID No. 1279568) effective April 20, 2026. The revocation stems from Alshiblawi's admission that he hired Alicia Jackson to take and pass the online proctored MI Life, Accident and Health Producer Exam on his behalf. The consent order, signed by Senior Deputy Director Joseph A. Garcia, also permanently bars Alshiblawi from reapplying for any DIFS-administered license. Violations were cited under Sections 1239(1)(a) and 1239(1)(g) of the Michigan Insurance Code for obtaining a license through misrepresentation and demonstrating untrustworthiness through fraudulent business practices.