Final answer:
Churning is the practice of charging insureds additional fees without their consent, often by making unnecessary changes to their policies. It's considered an unethical action different from twisting, rebating, and coercion in the insurance industry.
Step-by-step explanation:
The practice of charging insureds additional fees without their consent is known as churning. This unethical action involves an insurance agent or company performing unnecessary actions, such as replacing policies or adding coverage, which results in additional costs to the policyholder. The person might not be made aware of these changes or their implications. This is not to be confused with twisting, which involves misleading practices to persuade a customer to switch policies, or rebating, which is the act of giving a customer a portion of the commission as an incentive. Furthermore, coercion refers to using force or intimidation to compel someone to act in a certain way, which is another distinct practice.