The National Association of Insurance Commissioners created model laws which they encouraged states to adopt. Even if your state doesn’t require them, ethical agencies have put these policies in place. To guard against insurance twisting, an agency must have a robust internal review process when someone is switching policies. A supervisor might have to monitor and sign off on a policy switch. At InsuranceProAZ, all policy changes undergo review. Other protections include a 60-day cooling off period. Within 60 days of purchasing a new policy, policyholders can change their minds and get their premiums back. The agency will also restore the old policy. This disincentivizes a hard sell where the policyholder might walk away, have time to think, and realize they didn’t make the best choice. Ethical agencies also provide disclosure statements with detailed information about both your old and new policy. This helps you make your own comparisons. You’ll be asked to sign a disclosure statement acknowledging that you received them.