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What Is Sliding In Insurance

What Is Sliding in Insurance

Insurance is a complex industry with various terms and practices that can be confusing for policyholders. One such term is “sliding,” which refers to a deceptive sales technique used by some insurance agents. In this article, we will explore what sliding is, how it works, and its implications for policyholders.

Understanding Sliding

Sliding occurs when an insurance agent adds additional coverage or services to a policy without the policyholder’s knowledge or consent. These additional features are often unnecessary or redundant, leading to an increase in the policy’s premium. The agent may present these additions as “free” or as part of a special promotion, making it seem like a beneficial offer to the policyholder.

Sliding is considered unethical and illegal in many jurisdictions. It takes advantage of the policyholder’s lack of knowledge or understanding of insurance policies and their terms. By adding unnecessary coverage, agents can increase their commissions while leaving policyholders with higher premiums and potentially inadequate coverage.

How Sliding Works

Sliding typically occurs during the sales process when an insurance agent is filling out the application form with the policyholder. The agent may use various tactics to slide additional coverage into the policy, such as:

  • Misrepresentation: The agent may misrepresent the purpose or benefits of the additional coverage, making it seem essential or required.
  • Confusing language: Agents may use complex or technical terms to confuse the policyholder and prevent them from fully understanding what they are agreeing to.
  • Fast-paced presentation: By rushing through the application process, agents can prevent policyholders from carefully reviewing the details of the policy and noticing any additional coverage.

Once the policyholder signs the application form, they are legally bound by its terms, including any additional coverage that may have been slid into the policy. Policyholders often discover the additional coverage and increased premium when they receive their policy documents or billing statements.

Implications for Policyholders

Sliding can have significant implications for policyholders, including:

  • Higher premiums: Sliding often leads to an increase in the policy’s premium, as the additional coverage is unnecessary and adds to the overall cost.
  • Inadequate coverage: Policyholders may end up with coverage they do not need or duplicate coverage, leaving them underinsured in other areas.
  • Loss of trust: Discovering that an insurance agent has engaged in sliding can erode the policyholder’s trust in the insurance company and the industry as a whole.

Examples of Sliding

While sliding is an illegal practice, there have been several notable cases where insurance agents have engaged in this deceptive sales technique. One such case involved a large insurance company that was fined millions of dollars for allowing its agents to slide additional coverage into policies without policyholders’ knowledge or consent. The company was found to have a systemic issue with its sales practices, leading to widespread sliding across its agent network.

In another case, an insurance agent was convicted of fraud for sliding additional coverage into policies and charging policyholders for services they did not need or request. The agent was found guilty of multiple counts of fraud and faced significant fines and imprisonment.

Frequently Asked Questions (FAQ)

Sliding is illegal in many jurisdictions as it involves deceptive sales practices and takes advantage of policyholders’ lack of knowledge or understanding.

2. How can I protect myself from sliding?

To protect yourself from sliding, it is essential to carefully review any insurance policy before signing it. Take your time to understand the coverage and ask questions if anything is unclear. If you suspect sliding, report it to the insurance company and relevant regulatory authorities.

3. Can sliding occur with any type of insurance?

While sliding can occur with various types of insurance, it is more prevalent in certain areas, such as life insurance and annuities. These policies often involve complex terms and long-term commitments, making policyholders more vulnerable to sliding.

4. What should I do if I discover sliding in my policy?

If you discover sliding in your policy, contact your insurance company immediately to report the issue. Provide any evidence or documentation that supports your claim. If the insurance company does not resolve the matter satisfactorily, you may consider seeking legal advice or filing a complaint with the relevant regulatory authorities.

5. Are there any penalties for insurance agents who engage in sliding?

Insurance agents who engage in sliding can face severe penalties, including fines, license revocation, and imprisonment. The exact penalties vary depending on the jurisdiction and the severity of the offense.

6. How can insurance companies prevent sliding?

Insurance companies can prevent sliding by implementing strict sales practices and providing comprehensive training to their agents. Regular audits and monitoring can help identify any potential cases of sliding and take appropriate action to address the issue.


Sliding in insurance refers to the deceptive sales technique where insurance agents add unnecessary coverage or services to a policy without the policyholder’s knowledge or consent. This unethical practice can lead to higher premiums, inadequate coverage, and a loss of trust in the insurance industry. Policyholders should carefully review their policies, ask questions, and report any suspected sliding to protect themselves and hold insurance companies accountable. By understanding the implications of sliding and taking proactive measures, policyholders can ensure they have the right coverage at a fair price.