State RegulationsGA specificDifficulty 1/5
Under Georgia law, 'twisting' occurs when a producer:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Georgia's statutory hook for twisting is O.C.G.A. § 33-6-4(b)(2), which prohibits any misrepresentation made for the purpose of inducing a policyholder to lapse, forfeit, or surrender an existing policy. The wrongdoing lies in using deception to move a customer out of in-force coverage, whether or not the new policy ultimately performs, and the Insurance Commissioner may discipline the producer accordingly.
Why the other options are wrong
- B) Accurate comparisons and honest recommendations are legitimate; only misrepresentation aimed at surrender or lapse is twisting.
- C) Selling multiple policies to one client involves no misrepresentation and does not meet the statutory definition.
- D) Delivery timing relates to free-look and service standards, not the twisting definition.
Memory hook
Twisting = deceive to make them surrender.