What does "twisting" refer to in insurance terminology?

In the context of insurance terminology, "twisting" refers specifically to the practice of making misleading or deceptive comparisons between different insurance policies to persuade a policyholder to lapse or replace their current policy with a new one. This unethical tactic often involves highlighting certain aspects of a new policy while downplaying or omitting the benefits of the existing policy, creating a distorted perspective for the policyholder.

The use of twisting undermines the trust that is essential between insurers and policyholders, as it can lead individuals to make decisions based on incomplete or inaccurate information. Ethical insurance practices require agents and brokers to provide transparent, honest information and to focus on the best interests of the client rather than personal gain.

While the other options might reflect positive practices in policy communication and sales, they do not capture the negative implications associated with twisting and might even promote an understanding of the role of clarity and honesty in policy explanations—elements that twisting directly contradicts.