What is insurance definition of 'twisting'?

Answer 1

Here is a typical example of "twisting":

The insurance agent you have been dealing with for years has retired, and the replacement agent contacts you to discuss your life insurance coverage. He or she recommends you replace several older policies, which have accumulated significant cash value, with newer, improved policies. He or she shows you impressive charts and projections about how much better the new policies are than the old ones-including lower premiums, a higher death benefit, and faster cash-value accumulation. It sounds advantageous, and the agent seems earnest, so you sign on the dotted line. But when your next annual statement arrives, you notice the cash value for the new policies is far less than the cash value on the old policies. You have just become a victim of "twisting," a deceptive insurance sales practice.