How is twisting best described?

$($Search Chapter $10)$

a$.$ making exaggerated or unsubstantiated claims about a policy's benefits or features

b$.$ inducing a policyholder to terminate a policy and take out a new policy when it is not in the insured's best interest to do so

c$.$ soliciting a customer to purchase a particular policy and then diverting him or her to another policy without an adequate explanation

d$.$ transferring or placing insurance with an insurer other than the insurer expressly chosen by the applicant or policyholder without his or her consent