Which activity is NOT legal in California?

In California, offering free insurance as an incentive when purchasing a service is not legal due to regulations intended to protect consumers from misleading practices. Such arrangements can create confusion about the nature of the insurance product and the true costs associated with it, as well as the potential for coercive sales tactics where a consumer might feel pressured into purchasing a service to obtain the purported insurance benefit.

The other activities mentioned are permissible under California law. Disregarding age in insurance rate determination, for example, aligns with regulations aimed at preventing discrimination based on age when determining premiums, thus promoting fairness in the insurance market. Refusing to apply twisting, which refers to unethical sales practices that can lead to a client improperly being persuaded to replace one insurance policy with another, follows ethical standards that agents are expected to uphold.