After providing an opportunity for a hearing, the Commissioner may deny an application for a license based on all of the following reasons EXCEPT:

The correct choice is identified as the situation where an applicant is disabled. This is significant because the California insurance code does not allow for discrimination based on disability when it comes to granting licenses. Individuals with disabilities retain the right to seek a license as long as they can fulfill the requirements necessary to conduct their business effectively and safely.

In contrast, the other reasons cited—such as providing false information on the application, acting as a licensed person without the appropriate license, and being convicted of a felony—are legitimate grounds for the denial of an application. These actions show a disregard for legal and ethical standards expected in the insurance industry, which is why they can lead to a denial of the application after a hearing process. The emphasis is on ensuring that all licensed individuals adhere to these standards to maintain the integrity of the profession.