What does "twisting" in insurance typically involve?

"Twisting" in the context of insurance refers specifically to the practice of encouraging clients to switch from one insurance policy to another through the use of misleading or deceptive information. This can involve creating false impressions about the benefits and costs of the new policy, thereby causing the client to make a decision based on inaccurate representations.

This practice is considered unethical and is often illegal as it undermines the trust necessary in the insurer-client relationship. Twisting can be particularly harmful because it may lead clients to abandon their existing coverage, which may have been more beneficial, in favor of a policy that may not meet their needs—often for the financial benefit of the agent.

The other provided options represent positive or neutral activities in the insurance field, such as promoting transparency, educating clients, or offering discounts, none of which align with the concept of "twisting." Thus, the correct answer accurately reflects the deceptive nature of this practice.