Under Georgia insurance law, "twisting" refers to:

Twisting refers to the practice of misrepresenting an existing insurance policy in order to persuade a policyholder to replace it with a different policy from another insurer. This method involves providing misleading information about the benefits, features, or value of the current policy, thereby convincing the client that they would be better off switching to a new policy. This is considered unethical and is prohibited under Georgia insurance law, as it can lead to clients making ill-informed decisions that may not serve their best interests.

The other options, while related to insurance practices, do not define twisting. Charging premiums higher than filed rates pertains more to rate violations, failing to renew a policy without notice relates to notification obligations under insurance contracts, and misappropriating client funds deals with financial misconduct, rather than the misrepresentation of policy features involved in twisting.