What term is used for the unauthorized practice of utilizing certain endorsements to pressure clients?

The term "twisting" refers to the unethical practice in which an agent induces a policyholder to replace their existing insurance policy with a new one, often by misrepresenting the benefits or risks involved. This practice is especially concerning because it typically involves manipulating the policyholder's understanding of their current policy to pressure them into making a change that may not be in their best interest.

Twisting can involve using endorsements or additional features of a new policy to create a false perception of advantage, leading to potential financial harm for the client. This practice is regulated and prohibited under insurance laws due to its deceptive nature and potential for consumer harm. Understanding twisting can help in recognizing unethical practices within insurance sales, leading to more informed decisions by clients.