Under Georgia law, rebating includes which of the following practices?

Rebating under Georgia law encompasses practices that involve the return of a portion of the commission, the offering of additional benefits not outlined in the insurance contract, and providing gifts or incentives to encourage a client to purchase a policy.

Returning part of the commission to the client is considered rebating because it involves giving back a part of the agent's earnings as an incentive for purchasing the insurance policy. This is viewed as a way to entice clients beyond the terms of the original contract.

Offering valuable consideration not stated in the contract also falls under rebating. This can include any extra benefits or perks that weren't mentioned in the established policy. Such practices can create an uneven playing field in the insurance market and can be seen as unethical.

Finally, giving gifts to induce a purchase is another form of rebating. Agents may use gifts to persuade potential clients to choose their services over those of competitors, which again goes against fair competition standards.

All these practices are classified as rebating under Georgia law and are prohibited to ensure a fair marketplace and to maintain the integrity of insurance transactions.