Life & Health · Chapter 20 · Marketing Practices
Sliding
Definition
The act or practice of: representing that an ancillary coverage or product is required by law with the purchase of insurance when it isn't; representing that an ancillary coverage is included without additional charge when a charge is required; charging for an ancillary coverage/product without the applicant's informed consent; issuing or binding a policy without the property owner's prior informed consent; or submitting a premium invoice to a mortgagee/escrow agent to effectuate a policy without the owner's prior informed consent (renewals and collateral protection under loan documents excepted).
In plain English
Sneaking extras into the deal — phantom "required" add-ons, hidden charges, coverage bound behind the buyer's back.
Exam tip
The signature fact pattern: "the agent said the extra product was required by law" or "a charge appeared the applicant never agreed to" → sliding.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms