A Florida agent forges a policyholder's signature on an application. Under Fla. Stat. 626.9541(1)(ee), how is this conduct classified and what is the maximum fine?

Why D is correct

Under Fla. Stat. 626.9541(1)(ee), forging or fraudulently using a signature on an insurance document is a third-degree felony punishable by an administrative fine of up to $187,500, in addition to the criminal consequences of the felony itself. This is graver than twisting or churning, which are first-degree misdemeanors carrying a $12,500 nonwillful fine. The $5,000 figure is a pre-2023 textbook value that no longer reflects the penalty schedule.

Why the other options are wrong

• A) First-degree misdemeanor with a $12,500 fine is the classification for twisting or churning, not forged signatures.
• B) Forging a signature is a crime, not a civil infraction with a nominal fine.
• C) There is no second-degree misdemeanor classification for this conduct, and $5,000 is an outdated textbook figure.

Memory hook

Forged signature = felony + $187,500.