Twisting is defined as what behavior?

• A. Persuading an insured to cancel, lapse, or switch policies from one to another to their detriment
• B. Increasing premiums without notice
• C. Misrepresenting the policy benefits
• D. Soliciting policies from unlicensed individuals

Answer: (A)

Twisting happens when a producer uses deceptive or misleading tactics to get a policyholder to cancel, let a policy lapse, or switch to another policy, and the switch is to the insured’s detriment. The core idea is that the agent persuades the insured to replace existing coverage under false pretenses or withholding important facts, for the benefit of the agent or insurer rather than the insured. This is different from simply raising premiums, misrepresenting benefits, or soliciting from unlicensed people, which are distinct improper practices but do not capture the act of steering someone to drop or replace coverage through deception.