Which practice is described as telling an applicant that a coverage is legally required when it is not?

• A. Sliding
• B. Twisting
• C. Churning
• D. Rebating

Answer: (A)

Sliding is a deceptive insurance sales practice where the agent tells you that a coverage is required by law when it isn’t, in order to pressure you into buying. This misrepresentation plays on the belief that certain coverages are legally mandated, prompting action you might not otherwise take. It’s the best fit because the scenario centers on stating a non-existent legal requirement to induce purchase. The other terms describe different abuses—twisting involves misleading you to replace an existing policy for the agent’s benefit, churning refers to forcing excessive policy replacements to generate commissions, and rebating means offering something of value to influence the sale.