What does twister action in insurance entail?

Twister action in insurance refers to the practice of convincing an insured person to drop one insurance policy in favor of another, often with the intention of securing higher commissions for the agent or creating unnecessary changes in coverage. This practice can lead to confusion and potential gaps in coverage for the insured, as they may not fully understand the implications of switching policies.

In this context, the emphasis is on the agent's role in persuading the insured to make the switch, which can be motivated by incentives rather than the client's best interest. Consequently, the notion of twister action underscores the ethical considerations agents must navigate when recommending policy changes, ensuring that clients are truly benefitting from the switch rather than just driving sales for the agency.