On February 4, 2026, the Massachusetts Division of Insurance (DOI) issued an Order for Summary Decision revoking the resident insurance producer license of Bruce Michael Rojee. Mr. Rojee, whose address of record is in Cotuit, Massachusetts, had been licensed in the Commonwealth since July 24, 2021.
The revocation and accompanying $4,500 fine stem from Mr. Rojee’s admission to submitting unauthorized life insurance applications, which initiated a cascading series of administrative actions in both Rhode Island and Massachusetts. It also led to a regulatory fine for the carrier that failed to promptly report his misconduct.
Early success gives way to “personal financial difficulties”
In the early days of his career, Mr. Rojee appeared to be a rising star. In early 2022, he was recognized in company publications for American Income Life (AIL) and National Income Life as a top 30 “Rookie Producer” and an “Icebreaker”. During this period, he also repeatedly qualified for the company’s “World’s Greatest Bonus” payouts.
However, his trajectory shifted after he became affiliated with the general agency Family First Life and was appointed to write business for John Hancock Life Insurance Company. According to an investigative report by the carrier, Mr. Rojee admitted on or about May 22, 2023, that he had submitted four term-life insurance policy applications for three individuals who had not actually purchased the products. The Rhode Island Department of Business Regulation (DBR) noted that he used the consumers’ personal information to file the applications without their knowledge or authorization.
Mr. Rojee reportedly attributed his fraudulent actions to his own “personal financial difficulties”. Following this admission, John Hancock terminated his appointment for cause on June 6, 2023.
A reporting failure delays the investigation and costs John Hancock $65,000
While Mr. Rojee was terminated in June 2023, the Rhode Island DBR did not receive John Hancock’s investigative report regarding the fraudulent applications until May 31, 2024.
An ensuing regulatory investigation revealed that John Hancock had failed to promptly notify the state about the termination for cause of Mr. Rojee and eight other producers affiliated with Family First Life. The carrier later admitted to the DBR that the omission was due to a “historical gap in our process” and a “separate [commissions] system” that the company had initiated for a “separate product line”.
As a consequence of failing to report these terminations, John Hancock entered into a consent agreement with the Rhode Island DBR in May 2025, agreeing to pay a $65,000 administrative fine for the oversight.
Rhode Island DBR imposes a five-year ban
Once Rhode Island regulators were finally made aware of Mr. Rojee’s unauthorized applications, they launched an investigation. Despite multiple attempts by the Rhode Island DBR to contact Mr. Rojee via his recorded email addresses and certified mail throughout June and July 2024, he entirely failed to respond to the inquiry.
Consequently, the Rhode Island hearing officer entered a default judgment against him, finding that his submission of unauthorized applications constituted a dishonest practice demonstrating untrustworthiness. On November 6, 2024, the Rhode Island DBR officially revoked his license, issued a cease and desist order, and barred him from reapplying for an insurance license in the state for at least five years.
Massachusetts acts after Mr. Rojee’s failure to report his RI revocation
Mr. Rojee’s failure to communicate with regulators ultimately triggered action in his home state. Under Massachusetts law, an insurance producer is required to report any administrative action taken against them in another jurisdiction to the Commissioner within 30 days of the final disposition.
Mr. Rojee failed to disclose the Rhode Island license revocation to the Massachusetts DOI within the required 30-day window. The Massachusetts DOI served an Order to Show Cause to his postal and electronic addresses on July 10, 2025. Just as he did in Rhode Island, Mr. Rojee defaulted by failing to file an answer or respond to the Division in any way, prompting the DOI to file a Motion for Summary Decision on September 5, 2025.
Revocation, divestment, and a $4,500 fine
In the summary decision issued on February 4, 2026, Presiding Officer Matthew A. Taylor found that the undisputed facts justified severe disciplinary action.
The hearing officer entered orders revoking all Massachusetts insurance licenses held by Mr. Rojee and ordered him to surrender any licenses in his possession to the Division. Furthermore, Mr. Rojee was ordered to dispose of any and all interests as a proprietor, partner, stockholder, officer, or employee of any licensed insurance producer in Massachusetts. He is permanently prohibited from directly or indirectly transacting any insurance business in the Commonwealth.
In addition to the revocations, the DOI levied fines totaling $4,500. This total penalty included a $500 fine for his failure to report the Rhode Island administrative action, along with $1,000 for each of the four instances of misconduct regarding the unauthorized life insurance applications. The fines were ordered to be paid within 30 days of the February 4 decision.
