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Twisting refers to the unethical practice of persuading a policyholder to terminate an existing insurance policy and replace it with a new one, often for the benefit of the agent rather than the insured. This process can lead to various adverse effects for the insured.

One significant consequence is the increased risk of policy loss. When a policyholder cancels their existing policy, they may lose valuable benefits, such as accumulated cash value or particular health qualifications that might not be replicated in the new policy. Additionally, the new policy may have a contestability period, during which any claims made can be more easily contested by the insurer, putting the policyholder at risk if they require benefits.

This heightened vulnerability underscores why twisting is viewed negatively in the insurance industry. It's crucial for policyholders to fully understand their rights and the implications of switching policies before engaging in such actions. Thus, the choice reflecting the increased risk of policy loss is indeed the most accurate outcome of twisting for the insured.