Medicare & Senior InsuranceQuestion 220 of 315
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.A required suitability check
b.Twisting or churning of a senior product
c.Permissible policy review
d.Field underwriting
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 §785.10Practice all 315 questions free — no signup required.
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Sen Lin, PrepPass Founder · 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)