From and after the effective date hereof, the commissioner will not approve any "certain participating" policy form as defined herein. The commissioner will proceed to withdraw approval, under authority of Insurance Code Chapter 1701, of any such forms which have heretofore been approved. Without limiting the generality of the legal bases upon which disapprovals or withdrawals of approvals heretofore granted will be predicated, the department hereby finds and declares as follows:(1) such policy forms are by their nature unfair, inequitable, misleading, and deceptive, and encourage misrepresentation; and(2) such policy forms are particularly subject to misleading sales techniques.