Term	Definition	Key exam point
Suitability	Product matches client's identified needs and circumstances	Tested before every recommendation; not satisfied by price or commission alone
Churning	Replacing a policy primarily to generate a new commission	Harms the client through surrender charges, higher premiums, new contestability
Twisting	Inducing replacement through misrepresentation of existing policy	Dishonest; triggers replacement-disclosure AND honesty obligations
Rebating	Giving any portion of commission or valuable gift as an inducement	Prohibited by all provincial insurance statutes
Holding out	Claiming credentials or a licence scope not held	Disciplinable; a single advertisement using an unqualified title can constitute holding out