What is the term for charging an applicant for additional coverage without consent?

The correct term for charging an applicant for additional coverage without consent is known as sliding. This practice occurs when an insurance agent includes additional coverage options or policies without the explicit agreement of the policyholder. This can mislead consumers, as they may not be aware they are being charged for products they did not intend to purchase. Sliding is considered unethical and is often subject to regulatory scrutiny because it undermines the transparency and fairness that consumers expect in the insurance marketplace.

Misrepresentation refers to providing false or misleading information, which is different from the act of charging without consent. Churning typically involves the unethical practice of an agent unnecessarily replacing a policy to earn a commission, rather than focusing on the client's best interests. Coercion involves forcing or pressuring someone into making a decision, which can be related to the sales process but does not specifically pertain to the unauthorized charging for additional coverage.