12 Arrested in Fake Insurance License Scheme in Miami-Dade

State investigators uncovered a criminal enterprise involving illegal insurance testing and licensing.

Published on Mar. 4, 2026

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State investigators in Florida have arrested 12 people for allegedly obtaining illegal insurance licenses through a fraudulent testing center operated by Rainier Salas in the Miami-Dade County area. The investigation dates back to 2024 when Salas, the owner of D and R Financial Services in Virginia Gardens, was first arrested for running a criminal enterprise that involved illegal insurance testing and licensing.

Why it matters

This case highlights ongoing issues with fraud and corruption in the insurance industry, as well as the need for stronger oversight and regulation of licensing procedures to ensure the integrity of the system and protect consumers.

The details

According to the arrest report, the fraudulent testing center operated by Salas was providing required Florida pre-licensing education and completing online coursework and state licensing exams on behalf of applicants for financial gain, essentially sabotaging the state's contracted testing vendor. The 12 suspects arrested were charged with organized scheme to defraud or organized fraud, among other charges.

  • The investigation into the fraudulent testing center dates back to 2024 when Rainier Salas was first arrested.
  • The 12 suspects were arrested in March 2026.

The players

Rainier Salas

The owner and operator of D and R Financial Services in Virginia Gardens, who was arrested in 2024 for running a criminal enterprise involving illegal insurance testing and licensing.

D and R Financial Services

A company in Virginia Gardens, Florida that was allegedly operating a fraudulent insurance testing center to help applicants obtain illegal licenses.

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What’s next

Authorities will continue to investigate the full scope of the fraudulent scheme and may uncover additional suspects or criminal activity.

The takeaway

This case highlights the need for stronger oversight and regulation of insurance licensing procedures to prevent fraud and protect consumers from unqualified or illegally licensed insurance providers.