Which term describes persuading a client to do something that's not in their best interest?

Which term describes persuading a client to do something that's not in their best interest?

• A. Defamation
• B. Twisting
• C. Unlawful Insurance Fraud
• D. Certificate of Authority

Answer: (B)

Twisting describes persuading a client to do something that isn’t in their best interest. In insurance practice, twisting happens when an agent uses pressure or misrepresentation to convince a client to replace, surrender, or convert a policy in a way that benefits the agent (often through higher commissions) rather than the client. This violates ethical duties to the client and is generally illegal. The other terms don’t fit because defamation concerns harming someone’s reputation, unlawful insurance fraud is a broad criminal category of deceit, and a certificate of authority is simply a license held by an insurer.

Twisting describes persuading a client to do something that isn’t in their best interest. In insurance practice, twisting happens when an agent uses pressure or misrepresentation to convince a client to replace, surrender, or convert a policy in a way that benefits the agent (often through higher commissions) rather than the client. This violates ethical duties to the client and is generally illegal. The other terms don’t fit because defamation concerns harming someone’s reputation, unlawful insurance fraud is a broad criminal category of deceit, and a certificate of authority is simply a license held by an insurer.