Under what condition will a commissioner refuse to issue a license to an agent?

The condition under which a commissioner will refuse to issue a license to an agent pertains to the agent being found untrustworthy. Trustworthiness is a fundamental attribute expected in any professional dealing with financial products and services. This characteristic is essential in maintaining consumer confidence and ensuring the integrity of the insurance industry. An agent who has demonstrated untrustworthiness, whether through unethical conduct, fraudulent activities, or dishonesty, poses a risk not only to the public but also to the reputation of the industry as a whole. Therefore, a lack of trustworthiness serves as a valid basis for denying a license, ensuring that only reliable and ethical individuals are permitted to operate as agents.

While training, education, and past license revocation are also critical aspects in the licensing process, they do not inherently establish the moral character or reliability of the individual in the same direct manner as untrustworthiness does.