Morris County Insurance Producer Charged with Insurance Fraud and Theft by Deception in Connection with Alleged Commission Fraud Scam

For Immediate Release: September 16, 2021

Office of The Attorney General
– Andrew J. Bruck, Acting Attorney General
Office of the Insurance Fraud Prosecutor
– Tracy M. Thompson, Insurance Fraud Prosecutor

For Further Information:

Media Inquiries-
K.C. Lopez
Citizen Inquiries-

TRENTON – Acting Attorney General Andrew J. Bruck and the Office of the Insurance Fraud Prosecutor today announced that a Morris County insurance producer was indicted for creating fictitious policies in order to reap additional commissions.

Justin Radulovich, 31, of Rockaway, was indicted on second-degree Insurance Fraud and third-degree Theft by Deception. The indictment was handed up by a state grand jury on September 10, 2021.

While employed by American Family Life Assurance Company of Columbus (“Aflac”), Radulovich allegedly established nine group accounts and falsified dozens of electronic policy applications for supplemental insurance coverage on behalf of numerous fictitious individuals between March 2018 and July 2018. In doing so, Radulovich allegedly created the false impression that he was entitled to commission payments for enrolling individuals into supplemental insurance policies.

The charges are merely accusations and the defendant is presumed innocent until proven guilty. Second-degree crimes carry a sentence of five to 10 years in state prison and a fine of up to $150,000. Third-degree crimes carry a sentence of three to five years in state prison and a fine of up to $15,000.

Deputy Attorney General Melvina Fennell presented the case to the State Grand Jury for the Office of the Insurance Fraud Prosecutor under the supervision of Private Insurance Bureau Chief DAG Cheryl Maccaroni and Assistant Bureau Chief DAG Crystal Callahan.

Insurance Fraud Prosecutor Tracy Thompson noted that many cases have started with anonymous tips. People who are concerned about insurance cheating and have information about a fraud can report it anonymously by calling the toll-free hotline at 1-877-55-FRAUD, or visiting the Web site at State regulations permit a reward to be paid to an eligible person who provides information that leads to an arrest, prosecution, and conviction for insurance fraud.


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