What action may the Bureau of Insurance take if a license applicant is found to be incompetent or untrustworthy?

When evaluating the qualifications of a license applicant, the Bureau of Insurance is tasked with ensuring that individuals entering the insurance profession possess the necessary competence and trustworthiness. If an applicant is found to be incompetent or untrustworthy, the most appropriate action for the Bureau is to decline to issue the license. This decision is grounded in the need to protect the public and maintain the integrity of the insurance industry.

Issuing a temporary license, requiring additional training, or providing a warning would not adequately address the underlying issues of incompetence or untrustworthiness. Such measures do not resolve the concerns regarding the applicant's ability to act in a professional and ethical manner within the industry. Therefore, preventing an unqualified individual from obtaining a license serves as a proactive measure to ensure consumer protection and uphold standards in insurance practices.