Which unethical practice involves enticing clients to change their insurance policies?

The practice known as twisting refers to the unethical act of convincing a policyholder to switch insurance policies, typically through misrepresentation of facts or the benefits of the new policy over the old one. This can occur when an agent misleads a client about the advantages of a different insurance product, suggesting that it is superior without fully disclosing the drawbacks or risks associated with the change.

Twisting often undermines the client's best interests and can lead to unnecessary financial loss or reduced coverage, as the client may end up with less favorable terms than they had with their original insurer. It is deemed unethical because it prioritizes the agent's commission or objectives over the client's needs, contrasting with the fiduciary duty of an agent to act in the best interests of their clients.

In the context of the other options, rebating involves returning a portion of the premium paid as an incentive to get clients to choose a specific policy. Boycott refers to a collective action to refuse to deal with a particular company or individual, typically for ethical or political reasons, while coercion involves forcing someone to act in a certain way, which could potentially be illegal. Therefore, twisting stands out as distinctly related to the unethical entice-to-change practice.