twisting
twisting — 名詞
1. the dishonest practice of deceiving a person into giving up their current life c
保單詐換
以不實陳述誘使保戶終止並更換保單
the dishonest practice of deceiving a person into giving up their current life coverage and taking out a new one, typically at a different insurer, through false claims or misleading tactics.
Regulators in three states investigated the agency for twisting after dozens of elderly clients complained.
三個州的監管機構調查了該保險經紀公司的保單詐換行為，因為數十位年長客戶提出了申訴。
passive: investigated for twisting
Twisting targets older policyholders like Lara, who trusted her agent and lost benefits after switching insurers.
保單詐換的受害者通常是像 Lara 這樣的年長保戶，她信任自己的業務員，卻在更換保險公司後失去了權益。
gerund as subject: Twisting often targets...
Min lost her policy's cash value when twisting tricked her into switching companies.
Min 在保單詐換的誘導下轉換到新的保險公司，因而失去了她保單原有的現金價值。
State officials fined the brokerage after an audit uncovered a pattern of twisting among its sales staff.
州政府官員在稽核發現該經紀公司業務人員多次出現保單詐換行為後，對該公司處以罰款。
- policy replacement fraud
broader term covering any fraudulent replacement of insurance, not only life policies.
- churning
used more often for securities trading but sometimes applied to insurance; churning focuses on generating commissions through repeated trades, while twisting focuses on the deceptive switch itself.
用法筆記
Frequently appears in legal and regulatory contexts. The term is nearly always used as an uncountable noun referring to the practice itself, not a single instance. Distinguish from SENSE 2 (agent's misrepresentation): SENSE 1 describes the overall scheme or practice, while SENSE 2 focuses on the individual act of making false statements.
常見錯誤
2. the act of an insurance agent making false or misleading statements to a policyh
業務不實
業務員虛假陳述導致保單被替換
the act of an insurance agent making false or misleading statements to a policyholder on purpose, causing them to give up or cancel their current insurance policy so that it can be replaced with a different one.
The court ruled that the agent's twisting included lying about the existing policy's surrender charges.
法院裁定，該業務員的業務不實行為包括對現有保單的解約費用做出虛假陳述。
possessive pattern: agent's twisting
Allison learned that the agent had committed twisting by falsely claiming her old plan would expire in sixty days.
Allison 得知業務員謊稱她的舊保單將在六十天內到期，藉此構成業務不實。
Imani warned her team that twisting renewal terms could cost them their licenses, as Chen discovered.
Imani 告誡團隊，謊報續保條款可能讓他們失去執照，正如 Chen 的前例。
Kabir compared his old and new policies and realized the agent had used twisting to sell him inferior coverage.
Kabir 比對了新舊保單後，發現業務員利用業務不實的手段向他推銷了較差的保障內容。
- misrepresentation
a broader legal term for any false statement; twisting is a specific sub-type that involves causing a policy to be replaced.
- agent fraud
covers a wider range of dishonest behaviours by an agent; twisting is one variety.
用法筆記
Commonly appears in legal statutes and regulatory codes governing agent conduct. The subject is typically an insurance agent or broker, never the policyholder. To distinguish from SENSE 1: SENSE 2 specifically describes the agent's act of making false statements, whereas SENSE 1 describes the broader fraudulent practice of inducing a policy switch.