Which of the following is considered a deceptive practice in insurance?

Churning is considered a deceptive practice in insurance because it involves the unethical act of persuading a policyholder to cancel an existing insurance policy in order to purchase a new one, typically for the agent's financial benefit rather than the client's needs. This practice is a concern as it may result in unnecessary costs for the client, a loss of coverage, or the imposition of new waiting periods on benefits. It goes against the principles of transparency, trust, and the fiduciary duty that insurance professionals owe to their clients.

In contrast, flexible policy options, timely policy delivery, and regular client follow-up represent positive practices that enhance client experience and ensure that individuals receive the coverage suited to their needs. These practices build trust and rapport, reinforcing ethical conduct in the insurance industry.