Twisting vs churning vs sliding vs rebating
Florida's unfair-methods-of-competition list is worth real points, and the exam tests the distinctions between terms that sound interchangeable. Learn them as contrasts, not definitions.
| Twisting | Misrepresentation to induce replacement with a DIFFERENT insurer |
| Churning | Same conduct using the client's existing policy values, typically the SAME insurer |
| Sliding | Adding coverage or a fee the client did not request or agree to |
| Rebating | Returning part of the commission — lawful in Florida only under a filed, uniformly applied schedule |
| Administrative fines | Up to $12,500 per nonwillful violation, $187,500 per willful (s. 626.9521(3), F.S.) |
Where the point is lost: The single most tested distinction is twisting versus churning, and the deciding word is whether the replacement is with a different insurer or the same one.
Twisting vs churning vs sliding vs rebating
12 questions on unfair trade practices, each with an explanation and statute citation.
12 questions
Pass line: 70%, same as the real exam