保险基本原理第 595 / 716 题
Twisting is a prohibited practice in which a producer:
a.Honestly compares two policies at the client's request
b.Uses misrepresentation to persuade a policyowner to drop one policy and buy another to the client's detriment
c.Collects the initial premium with the application
d.Delivers the issued policy to the client a few days later than originally promised because of an internal processing delay
解析
Twisting relies on misleading or incomplete comparisons to churn a client out of existing coverage into a new policy that harms them. An honest comparison, late delivery, or premium collection is not twisting.
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同考点相关题目
- A waiver, as the term is used in insurance, is:
- Estoppel refers to:
- Rebating, which most states prohibit as an unfair trade practice, involves:
- Churning differs from twisting in that churning involves:
- Making false or maliciously critical statements about another insurer's financial condition is the prohibited practice of:
- Requiring a borrower to buy insurance from a particular agent as a condition of receiving a loan is an example of:
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)