Nguyên tắc bảo hiểm chungCâu 253 / 531
To close a sale, a producer offers to pay the client's first premium installment out of personal funds. This practice is:
a.twisting, which induces a replacement through a misstatement
b.rebating, giving value that the policy does not state
c.coercion, forcing a purchase as a condition of getting credit
d.unfair discrimination between insureds of the same class
Giải thích
Rebating is the offer of any inducement not specified in the policy, such as paying part of the premium or sharing a commission, to persuade someone to buy. Twisting is a different unfair practice, using misrepresentation to talk a policyholder into dropping one policy for another, and unfair discrimination is charging insureds of like risk different prices. All are unfair trade practices, but only one describes paying the client's premium.
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