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

The practice known as "twisting" refers to an agent persuading a client to terminate an existing policy and purchase a new one without providing adequate information about the implications of such a decision. This often involves misleading the client regarding the benefits or disadvantages of their current policy, which can lead to confusion and potential financial loss for the client.

Twisting is particularly problematic because it can undermine the trust between the client and the agent, as the agent is not acting in the best interest of the client. It emphasizes the importance of transparency and proper guidance, as clients should always be fully informed of their choices and the consequences of switching policies.

In contrast, the other practices mentioned might involve unethical behavior in the insurance industry but do not specifically encompass the act of encouraging a client to switch policies through misleading information. Understanding twisting is crucial for anyone in the insurance field to ensure ethical practices and maintain client trust.