What is it called when a person is sold more insurance than warranted by their sources?

The term that describes a situation where a person is sold more insurance than warranted by their sources is known as "overloading." This practice involves saturating an individual with unnecessary insurance coverage, which can lead to higher premiums and financial strain without providing substantial benefit. Overloading undermines the principle of insurance, which is to offer protection that is relevant and appropriate to an individual's needs and circumstances.

Twisting typically refers to a practice where an agent persuades a policyholder to replace an existing policy with a new one under false pretenses, often for the agent's benefit rather than the client's. Rebating involves offering a portion of the agent’s commission to induce the purchase of an insurance policy, which is illegal in many jurisdictions. Knocking refers to bad-mouthing or disparaging a competitor's products to sway a potential client, which damages the integrity of the selling process. In contrast, overloading directly pertains to the excessive sale of insurance beyond what is necessary, making it the most accurate label for the situation described.