Which of the following statements is FALSE regarding misrepresentation?

Misrepresentation refers to providing false or misleading information related to an insurance product. Twisting is a type of misrepresentation where an agent persuades a policyholder to switch from one insurer to another, often through deceptive means.

The statement that misrepresentation is a specific form of twisting is false because misrepresentation is the broader category encompassing any false statements about an insurance product, while twisting is a more specific action that falls under the umbrella of misrepresentation. Therefore, misrepresentation can occur in various contexts and is not limited to just the act of twisting.

By understanding the relationship between misrepresentation and twisting, it’s clear that misrepresentation is a more general term while twisting is a particular method of executing misrepresentation. This distinction is vital for anyone studying insurance practices and regulations.