State RegulationsGA specificDifficulty 1/5
Under O.C.G.A. § 33-6-4(b)(2), which conduct constitutes twisting in Georgia?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under O.C.G.A. § 33-6-4(b)(2), twisting is making any misrepresentation to induce a policyholder to lapse, forfeit, or surrender existing insurance. Churning, in which cash values are used to buy additional coverage from the same insurer through misrepresentation, falls within this same statutory hook.
Why the other options are wrong
- A) Selling additional identical coverage without misrepresentation is not the statutory wrong of twisting.
- B) Policy delivery within the examination period is governed by other provisions and is not twisting.
- D) Charging different rates within a class is unfair discrimination, a separate violation.
Memory hook
Twisting means lies that push a surrender, lapse, or forfeiture.