Which type of misrepresentation persuades an insured to switch policies?

Twisting refers specifically to the practice of persuading an individual to terminate an existing insurance policy and replace it with a new one, typically under false pretenses or misleading information. This tactic often involves exaggerating the benefits or minimizing the drawbacks of the new policy while downplaying or obscuring the advantages of the current coverage, leading to an unjustified change.

In the context of misrepresentation, twisting is particularly problematic because it undermines the insured's ability to make informed decisions about their coverage. The ultimate goal of twisting is to financially benefit the agent or broker by earning commissions from the new policy, which does not reflect the best interest of the insured.

The other concepts mentioned do not fit this scenario as precisely as twisting does. Concealment involves intentionally withholding information relevant to the underwriting process, while deceit refers to any act of dishonesty and coercion involves forcing someone to act against their will. Thus, twisting is the term most accurately describing the act of misleading an insured to switch policies.