e fee,] all applicable fees, the Commissioner shall investigate the applicant, and issue a license if he finds that the applicant: (a) If a provider of viatical settlements, has set forth a detailed plan of operation; (b) Is competent and trustworthy and intends to act in good faith in the capacity for which the license is sought; (c) Has a good reputation in business and, if a natural person, has had experience, training or education which qualifies him in that capacity; (d) If an organization, provides a certificate of good standing from the state of its domicile; and (e) If a provider or broker of viatical settlements