Which of the following actions can be classified as sliding?

Sliding refers to the improper practice of persuading a client to purchase insurance coverage that they do not need or that is not suitable for their situation, often through misleading or deceptive means. In this context, all listed actions can be classified as sliding.

Offering coverage not included in the initial quote can mislead the client into believing they need additional coverage, even if it was not part of their original intent. This practice can create an impression that certain coverages are mandatory or essential when they are not, thereby pushing the consumer into buying more than they require.

Changing terms after policy issuance also falls under sliding because it can alter the understanding that the client had at the beginning of the agreement. If the terms are modified post-issuance without clear communication and consent, this can create confusion and potentially leave the insured under a policy that does not reflect their needs or desires.

Concealing the cost of premiums is deceptive as it does not provide the consumer with a full understanding of the financial obligations of the policy. When clients are unaware of the total costs associated with their insurance, they cannot make an informed choice, which can lead to purchasing unnecessary coverage.

Hence, since all of these actions involve some level of misleading the client regarding their insurance needs or costs, they