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Which of the following is NOT an unfair method of competition or deceptive practice? Offering something of value to induce an insurance sale Maliciously defaming

Which of the following is NOT an unfair method of competition or
deceptive practice?
Offering something of value to induce an insurance sale
Maliciously defaming an insurer's financial condition
Demonstrating that a policy has higher benefits by using a comparison
Declining insurance coverage because of race
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