An insurer tells its Georgia-appointed producers that any producer who also places business with a competing insurer will have his or her appointment terminated. What unfair trade practice is this?

Why D is correct

Under O.C.G.A. § 33-6-4(b)(4), boycott, coercion, and intimidation are unfair trade practices. Threatening producers with termination of their appointments unless they stop doing business with a competitor coerces their business decisions and is the classic Georgia coercion fact pattern enforced by the Insurance Commissioner.

Why the other options are wrong

• A) Misrepresentation under O.C.G.A. § 33-6-4(b)(2) concerns false statements about policies or insurers, not threats to cut off appointments.
• B) Twisting under O.C.G.A. § 33-6-4(b)(2) involves inducing lapse, forfeiture, or surrender by misrepresentation; no policy replacement is involved here.
• C) Unfair discrimination under O.C.G.A. § 33-6-4(b)(8)(A) concerns differing rates or terms between similarly situated insureds, not threats against producers.

Memory hook

Threats to force business choices = coercion; the bully, not the liar, is the coercion case.