An agent convinces a policyholder to surrender an existing whole life policy and buy a new one, primarily to earn a fresh first-year commission, even though the change disadvantages the client. This practice is known as:

Explanation

Twisting is inducing a policyholder to lapse, surrender, or replace a policy through misrepresentation or incomplete comparison. When done repeatedly within the same insurer's book of business it is called churning. Both are prohibited by California law.