Twisting is a form of insurance policy fraud. It involves all forms of insurance policies the same way. When successful an insurer persuades a policyholder to drop their current policy in exchange for their proposed policy. They are able to sway the policyholder by twisting the actual nature of their policy when describing it. They misinterpret the advantages and disadvantages in their own favor to sway the policyholder to their side. Avoiding this type of fraud can accomplished easily with minor research. A policy with similar benefits for significantly less cost should be cause for suspicion.