When is it permissible to use twisting as a sales technique?

Twisting, which refers to the practice of persuading a policyholder to replace an existing insurance policy with a new one, is deemed unethical and is prohibited under Florida law. This prohibition is in place to protect consumers from deceptive practices that can lead to confusion and potential financial loss as they may not fully understand the implications of replacing their insurance.

Given this context, it is clear that there are no circumstances under which twisting can be legitimately used as a sales technique. Ensuring that agents act in the best interest of their clients and providing transparent and truthful information is fundamental to maintaining ethical standards in the insurance industry. Consequently, the assertion that twisting is permissible at any time is incorrect based on regulatory compliance and ethical sales practices.