hurry

Which of the following best describes "chuming"? Select one a. Encouraging a client to cancel a policy in order to buy a new one with the same insurer for the sole purpose of earning a commission OD Encouraging a client to cancel a policy in order to buy a new one with a different insurer for the sole purpose of earning a commission Oc Encouraging a client to cancel a policy in order to buy a new one with a different insurer and collecting a second commission as a result, d Encouraging a client to cancel a policy in order to buy a new one insurer and collecting a second commission as a result