Samuel F. Fortunato, age 84, of Little Silver, died Jan. 8. He was New Jersey Insurance Commissioner under Gov. Jim Florio. It was during this time that he implemented the FAIR Automobile Insurance Reform Act of 1990. He presided over the largest life insurer rehabilitation in history with the collapse of Mutual Benefit Life ensuring payment of benefits to thousands of policyholders. Mr. Fortunato was born and raised in Brooklyn, New York.