Medicare & Senior InsuranceQuestion 220 of 716
An agent repeatedly persuades an 80-year-old client to replace existing annuity contracts with new ones, generating commissions but no real benefit to the client. This practice is best described as:
a.The annual suitability review the Code requires
b.Twisting or churning of a senior product
c.A permissible periodic policy review
d.Ordinary field underwriting of the applicant
Explanation
Insurance Code §785.10 forbids unnecessary replacement (twisting or churning) of life insurance or annuity products sold to seniors. Replacement must be suitable for the client and properly documented, not driven by the agent's commission.
Law Reference: Cal. Ins. Code §785.10This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)