Which of the following is NOT a prohibited practice in New Jersey insurance law?

Soliciting is not considered a prohibited practice under New Jersey insurance law. In fact, soliciting is a fundamental part of an insurance agent's role, as it involves reaching out to potential clients to offer insurance products and services. This practice, when conducted ethically and in compliance with regulatory standards, is essential for the functioning of the insurance market.

On the other hand, defamation, twisting, and misrepresentation are all practices that are explicitly prohibited because they violate the principles of fair competition and consumer protection. Defamation refers to making false statements about an insurer or agent that can harm their reputation. Twisting is the unethical practice of persuading a policyholder to switch insurance policies for the benefit of the agent, often by misrepresenting the advantages of the new policy. Misrepresentation involves providing false or misleading information about an insurance policy or its terms in order to induce someone to purchase it. All these practices undermine the integrity of the insurance industry and are dealt with seriously under New Jersey law.