Which of the following is a method of Agent Fraud?

In the context of agent fraud, the concept revolves around deceitful practices that agents might use to mislead clients or the company they represent. Delaying payment is a tactic that falls under this category because it can create uncertainty for the client and may pressure them into making rash decisions or accepting unfavorable terms.

By withholding payment, the agent may be attempting to manipulate the client’s decisions regarding their coverage or claims, thereby benefiting themselves or the company in an unethical manner. This method of fraud can damage trust between the client and the agency, potentially leading to financial loss for the client and reputational harm for the agency.

Other chosen methods, such as challenging client claims, may be related to legitimate business practices where agents assess the validity of claims, and providing false coverage information consists of misleading clients, but these are generally categorized differently from agent fraud. Offering discounts without approval could also imply unethical behavior, but it doesn't directly correlate with the overt manipulation implied by delaying payment.