using names or titles that have tendency to misrepresent the true nature of a policy is an example of what illegal practice

Twisting

Explanation:

Twisting involves using names or titles that have tendency to misrepresent the true nature of a policy. It is an illegal practice done by some insurance manager or agent, as it involves twisting the truth about insurance policies.

For instance, an insurance agent who replaces an existing life policy for an insured individual with a new one by using misleading tactics, such as changing the name or title of the life policy is engaging in insurance twisting. The insurance agent usually induce or persuade the insured (existing policy holder) to take another policy by misrepresentation of the policy.

These agents usually engage in insurance twisting so as to get commissions from the insurance transaction at the detriment of their clients.