What unethical practice is J guilty of after inducing an insured to surrender a policy through misrepresentation?

The situation describes J committing twisting, which refers to the unethical practice where an agent induces a policyholder to surrender their existing life insurance policy and replace it with a new one, while misrepresenting the facts about the new policy or the advantages of the old policy. This practice often takes advantage of the insured's lack of understanding about the differences between the policies, leading them to make decisions that may not be in their best financial interest.

Twisting can involve omitting critical information about the benefits and costs associated with the new policy or exaggerating the benefits while downplaying any potential drawbacks. As a result, the insured may end up with coverage that is not suitable for their needs, or may lose important benefits from their original policy.

In this context, the other choices refer to different unethical practices. Coercion denotes forcing someone to act in a specific way, often by threats or intimidation, which is not described here. Churning involves an agent convincing a policyholder to repeatedly replace their policies, motivated by earning commissions, rather than the needs of the client. Backward selling, while a known concern, does not fit the definition provided, as it typically refers to selling a product that is not in line with the industry's standard practices.