An agent who knowing misrepresents material information for the purpose of inducing an insured to lapse, forfeit, change or surrender a life insurance policy or annuity has committed an illegal practice known as

An agent who knowing misrepresents material information for the purpose of inducing an insured to lapse, forfeit, change or surrender a life insurance policy or annuity has committed an illegal practice known as



a). Misrepresentation

b). Twisting

c). Fraud

d). Concealment



Answer: b). Twisting

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