What is the term for charging for additional coverage without the applicant's consent?

Sliding refers to the unethical practice of including additional coverage or benefits in an insurance policy without the applicant's knowledge or consent, often leading to consumers paying for coverage they did not intend to purchase. This practice is considered deceptive because it takes advantage of the applicant's trust and understanding of the insurance process.

By using sliding, agents may attempt to increase their commission or the insurer's revenue without properly informing the consumer about the terms and conditions of the added coverage. This can be particularly problematic as it undermines the principle of transparency that is crucial in the insurance industry, where consumers should be fully aware of what they are purchasing.

The other terms within the options relate to different concepts. Coercion involves forcing someone to act in a certain way through threats or pressure, which is distinct from the concept of sliding. Rebating refers to offering a portion of the agent's commission back to the policyholder as an incentive, which is also illegal in many states, but not related to the practice of sliding. Bundling involves offering multiple types of insurance coverage together, often at a reduced rate, and is a legitimate marketing strategy when properly disclosed to consumers.