Which of the following practices involves an agent encouraging a client to switch policies without proper guidance?

The practice identified as twisting involves an agent encouraging a client to switch from one insurance policy to another, typically without providing adequate guidance or disclosing the full implications of such a change. This misleading practice can result in the client being unaware of important differences in coverage, costs, or benefits between the old and new policies. Agents who engage in twisting often prioritize their own commissions or incentives rather than the client's best interests, potentially leading to financial detriment or inadequate coverage for the client.

In contrast, sliding refers to the practice where an agent adds additional products or services to a client's policy without informed consent, while churning typically involves an agent convincing a client to replace a policy with a new one from the same company when it may not be in the client's best interest. Falsification involves providing false information, which is a distinct unethical practice. Understanding these terms helps illustrate the importance of ethical conduct and the responsibilities agents have toward their clients in the insurance industry.