Florida Life and Health Insurance License Practice Test

Twisting is the correct answer because it specifically refers to an agent using misleading statements to cancel one insurance policy and substitute it with another. This is different from fraud, which is a deliberate and intentional deception for personal gain. Churning is also incorrect because it refers to excessive trading by a broker for the purpose of generating commissions. Misrepresentation, while similar, does not specifically pertain to insurance policies and can involve unintentional or innocent false statements. Therefore, twisting is the most accurate term in this scenario.