What is the classification of twisting under Georgia insurance law?

Under Georgia insurance law, twisting is classified as an unfair trade practice and is strictly prohibited. Twisting refers to the unethical practice where an insurance agent persuades a policyholder to switch from one insurance policy to another for the agent's financial benefit, without a legitimate benefit to the policyholder. This can often lead to the policyholder incurring additional costs or losing valuable benefits from their current policy.

The law is designed to protect consumers from such practices, ensuring they are not harmed by agents who prioritize their commissions over the clients' best interests. By classifying twisting as an unfair trade practice, it emphasizes the responsibility of agents to act ethically and transparently, maintaining trust in the insurance industry.

Other options suggest circumstances under which twisting might be permissible, which is not aligned with the regulatory framework established to safeguard policyholders. Therefore, it is critical for agents to adhere to ethical sales practices that contribute positively to the welfare of their clients.