The commissioner may deny an application for a license issued pursuant to this

chapter if any of the following are true: (

a) The applicant is not properly qualified to perform the duties of a person holding the license for which the applicant applied. (

b) The granting of the license will be against public interest. (

c) The applicant does not intend actively and in good faith to carry on as a business with the general public the transactions that would be permitted by the issuance of the license for which the applicant applied. (

d) The applicant is not of good business reputation. (

e) The applicant is lacking in integrity. (

f) The applicant has been refused a professional, occupational, or vocational license or had a professional, occupational, or vocational license suspended or revoked by a licensing authority for reasons that should preclude the granting of the license for which the applicant applied. (

g) The applicant seeks the license for the purpose of avoiding or preventing the operation or enforcement of the insurance laws of this state. (

h) The applicant has knowingly or willfully made a misstatement in an application to the commissioner for a license, or in a document filed in support of that application, or has made a false statement in testimony given under oath before the commissioner or another person acting in the commissioner’s stead. (

i) The applicant has previously engaged in a fraudulent practice or act or has conducted any business in a dishonest manner. (

j) The applicant has shown incompetency or untrustworthiness in the conduct of any business, or has by commission of a wrongful act or practice in the course of any business exposed the public or those dealing with the applicant to the danger of loss. (

k) The applicant has knowingly misrepresented the terms or effect of an insurance policy or contract. (

l) The applicant has failed to perform a duty expressly enjoined upon them by this code or has committed

an act expressly forbidden by this code. (

m) The applicant has been convicted of any of the following:

(1) A felony.

(2) A misdemeanor specified by this code or other laws regulating insurance.

(3) A public offense having as one of its necessary elements a fraudulent act or

an act of dishonesty in acceptance, custody, or payment of money or property. (

n) The applicant has aided or abetted a person in

an act or omission that would constitute grounds for the suspension, revocation, or refusal of a license or certificate issued under this code to the person aided or abetted. (

o) The applicant has permitted a person in the applicant’s employ to violate this code. (

p) The applicant has violated a law relating to conduct of business that could lawfully be done only under authority conferred by that license. (

q) The applicant has submitted to the commissioner a false or fraudulent certificate pursuant to subdivision (

d) of

Section 1749.5. (

r) The applicant has been found liable by clear and convincing evidence in a civil action involving allegations of elder or dependent abuse, oppression, fraud, malice, misappropriation or conversion of funds, misrepresentation, or breach of fiduciary duty. A judgment, plea, or verdict of guilty, or a plea of nolo contendere is deemed to be a conviction within the meaning of this section.