It really depends on your location. some states are must issue, some are shall issue, others are may issue. WA. is a MUST issue state. The issueing agent has no say in the issue of the permit unless there is a violent crime on the books, legally adjudicated drug,acohol adiction or mental defect adudication.
Here in WA. if there is no criminal or judicial reason and they don't issue the state allows for the person to sue for civil rights violation. Permits are quick and easy to obtain.
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CRIME INSURANCE ADVICE