What constitutes "twisting" in insurance sales?

"Twisting" in insurance sales refers to the act of making misleading or deceptive comparisons between different insurance policies, ultimately persuading a client to switch policies based on these false representations. This practice can involve either written or spoken statements that distort the facts about the terms, benefits, or costs of a policy, making it appears as though one option is significantly better than another when it is not.

This concept is particularly important because twisting can lead to serious consequences for both the consumer, who may face unwanted coverage gaps, and the insurance agent, who may suffer legal ramifications or penalties for engaging in unethical sales practices. The essence of twisting lies in its deceptive nature, as it prioritizes sales over the best interests of the consumer, which is a core ethical standard in the insurance industry.