What is 'twisting' in insurance sales, and what makes it illegal under New York law?
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A
Selling the same policy to multiple family members; illegal because it creates conflicts of interest
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B
Inducing a policyholder to replace an existing policy through misrepresentation or incomplete comparisons; illegal because it harms consumers
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C
Charging different premiums to similar risks; illegal because it violates rating laws
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D
Offering coverage from multiple insurers simultaneously; illegal because it creates duplicate coverage