Here's the deal. This guy is posing as a person in need of insurance articles. He prowls the freelance websites on the internet looking for writers to bid on his project that he posts. He pretends to be someone that he's not. Typically, he'll choose an actual company (truly exists) and then state that he's the 'Publisher' for the company.
In term of intellect, this moron is dense - seriously, dense, as in a piece of teak wood. He lacks the ability to communicate well and exhibits an elementary-level education that is overly apparent in his correspondence.
Most recently, this person has been posing as a guy named RALPH BASINGER and he's claiming (once again) to be a publisher of some poor agency that has no idea that this jerk has associated himself with them. Every writer that has come into contact with RALPH BASINGER or JAMES CLEMMONS, or whomever he's pretending to be at the moment, has not been compensated for their efforts.
Furthermore, contacting the company that he pretends to be associated with typically reveals that they have no one tied to them by any of his given names, nor are they aware of any such individual.
If you're a freelance writer - be very careful. Do your homework and investigate all 'Publishers' and 'Editors' that claim to be outsourcing article writing projects. It would be a shame for anyone else to fall prey to this idiot.
The good news is that enough buzz is being generated within the freelance writing community and also among some of the agencies who have been misrepresented and several are taking legal action.
Again, beware of anyone posing as someone in need of writing and who goes by those names. Granted, this person has more than likely changed their name again because of the notoriety. This individual may ask you to sign a contract outside the scope of the freelance website or indicate that their 'boss' or 'company' has a particular payment model set-up that prohibits payment from being made through said freelance website. Those are pretty much the clues you need.
Encounter any of those and you'll know that you're dealing with a total dimwit who's fishing for free writing from freelancers because too much of a tard to produce anything himself.
Good luck to all freelancers and hope this is helpful.