It is a fraudulent insurance act for a person: knowingly or willfully to make a false or fraudulent statement or representation in or with reference to an application for insurance; to place insurance with an unauthorized insurer not regulated by the Commissioner and refuse to obey an order of the Commissioner to produce for examination all policies and other documents that evidence the insurance and the amount of premiums paid or agreed to be paid for the insurance; if a certificate of authority is required, to operate an insurer or conduct an insurance business without obtaining a certificate of authority issued by the Commissioner; to make a false sworn statement that the person does not believe to be true about matter material to an examination, investigation, or hearing conducted by the Commissioner; or with intent to deceive, knowingly to exhibit a false account, document, or advertisement about the affairs of an insurer.