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Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed

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Page 1: Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed
Page 2: Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed
Page 3: Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed
Page 4: Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed
Page 5: Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed
Page 6: Arizona Department of Insurance · 4. On November 13, 1997, the Department issued a letter to Ms. Mallgraf denying the Application. 5. On December 10, 1997, Ms. Mallgraf timely filed