Life & Health · Chapter 20 · Marketing Practices
Twisting
Definition
Knowingly making misleading representations, incomplete or fraudulent comparisons, or fraudulent material omissions about any insurance policies or insurers to induce a person to lapse, forfeit, surrender, terminate, retain, pledge, assign, borrow on, or convert a policy — or to take out a policy with ANOTHER insurer. Twisting is an external replacement gone dishonest: lawful replacement is a legal activity done in the policyowner's best interest with full understanding of the consequences. Penalty: first-degree misdemeanor + fines up to $12,500 non-willful / $187,500 willful (willful requires fraudulent conduct; F.S. 626.9521).
In plain English
Talking someone out of their existing policy with lies so they buy from you at a different company.
Exam tip
⚠️ Twisting vs churning turns on ONE fact: twisting → different insurer; churning → same insurer. Same deceit, same penalties, different destination.
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