Splitting the commission with the buyer on a sale of insurance is an unfair trade...

Comprehensive and Detailed Step by Step Explanation:Rebatingoccurs when an insurance producer offers a portion of their commission, premium reductions, or other inducements to buyers that are not explicitly stated in the policy. It is prohibited under Maryland law to ensure fair competition and maintain ethical standards.

Rebating (D):Involves returning part of the commission or providing benefits not in the policy to incentivize a sale, violating Maryland Insurance Article §27-212.

Twisting (A):Refers to persuading a policyholder to lapse or replace a policy through misrepresentation, unrelated to commission-sharing.

Binding (B):Relates to confirming coverage but does not involve commissions.

Soliciting (C):Refers to seeking potential clients, not the unfair practice of rebating.

References:Maryland Unfair Trade Practices Act, COMAR 31.15.05, and Maryland Insurance Article §27-209.