Which of the following is an example of coercion in insurance?

Coercion in insurance occurs when an individual is pressured or forced into making a decision, especially regarding their insurance choices, against their will or better judgment. In this case, pressuring an applicant to select a certain provider is a clear example of coercion. This behavior not only undermines the applicant's autonomy but may also lead them to choose a provider that does not best meet their needs. It reflects an unethical practice that disregards the principles of informed consent and consumer freedom in making healthcare decisions.

The other choices illustrate more benign or ethical practices. Offering a lower premium for early sign-up is typically a marketing strategy aimed at incentivizing timely decisions. Explaining potential benefits of multiple plans is part of providing necessary information to help consumers make informed choices, not coercive behavior. Encouraging a consumer to seek multiple quotes fosters healthy competition and promotes informed decision-making, allowing individuals to weigh their options fully without undue influence.