Ala. Code
Code of Alabama

Ala. Code § 27-12-6 (2026)

“Twisting.”

✓ official Alabama Legislature (ALISON) text, current July 2026
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No person shall make or issue, or cause to be made or issued, any written or oral statement misrepresenting or making misleading incomplete comparisons as to the terms, conditions, or benefits contained in any policy for the purpose of inducing, or attempting or tending to induce, the policyholder to lapse, forfeit, surrender, retain, exchange, or convert any insurance policy.

(Acts 1971, No. 407, p. 707, §232.)

Notes of Decisions
Cited in 12 cases, 1988–2000 · leading case: HealthAmerica v. Menton, 551 So. 2d 235 (Ala. 1989).
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HealthAmerica v. Menton, 551 So. 2d 235 (Ala. 1989). · cites it 7× “The trial court observed that the Alabama Health Maintenance Organizations Statutes ("HMO Statutes"), Code 1975, §§ 27-21A-1 to 27-21A-32, and the Alabama "twisting" statute, Code 1975, § 27-12-6, might be saved by § 514(b) of ERISA if Menton's claim were subject to ERISA…”
Meggs v. Booth (In Re Booth), 174 B.R. 619 (Bankr. N.D. Ala. 1994). · cites it 4× “Code § 27-12-6 (1986). 1 That code section is included in Alabama law governing fair trade practices in the insurance industry.”
Isaac v. Life Investors Ins. Co. of Am., 749 F. Supp. 855 (E.D. Tenn. 1990). · cites it 4× “Defendant Life Investors argues (1) counts one, two and three of the complaint, by their terms, do not apply to it, (2) no private right of action exists for an alleged violation of Ala.Code Ann. § 27-12-6, and (3) ERISA preempts any and all claims set forth in the complaint.”
Linda Swerhun v. The Guardian Life Ins. Co. Of Am., 979 F.2d 195 (11th Cir. 1992). “1989), we refused to read a private right of action into Alabama’s “twisting” statute, Ala.Code § 27-12-6 (1977), and held that ERISA preempted plaintiffs’ claims for fraudulent misrepresentation and negligence.”
Hobbs v. Blue Cross & Blue Shield of Alabama, 100 F. Supp. 2d 1299 (M.D. Ala. 2000). · cites it 2× “CODE § 27-12-6 (1975) was “saved” from ERISA preemption because it was a state law regulating the business of insurance.”
DeBruyne v. Equitable Life Assurance Soc'y of the United States, 920 F.2d 457 (7th Cir. 1990). “, Ala.Code § 27-12-6 ("twisting" statute that does not allow private cause of action).”
Butler v. Fringe Benefits Plan, Inc., 701 F. Supp. 804 (N.D. Ala. 1988). · cites it 9× “Here, plaintiffs allege that Taylor, acting within the scope of his employment with Tom Jones Insurance, materially misrepresented facts about the proposed new coverage in violation of Alabama fraud and tort law and violated Alabama Code § 27-12-6, which makes it a statutory…”
Farlow v. Union Cent. Life Ins., 874 F.2d 791 (11th Cir. 1989). · cites it 2× “Ala. Code § 27-12-6 (1977). The statute does not, however, specify who has authority to enforce a violation.”
Hicks v. Globe Life & Acc. Ins. Co., 584 So. 2d 458 (Ala. 1991). · cites it 2× “cally distinguished those cases involving consumer transactions, such as the instant case, from those cases involving commercial transactions as they related to the issue of reliance, maintaining that "the objective standard of `reasonable reliance'" correctly employed in…”
Noye v. Consultants & Administrators Ins. Co., 627 So. 2d 938 (Ala. Civ. App. 1993). “On August 30, 1991, Noye filed an amended complaint in which he claimed that the actions of C & A and All American violated § 27-12-6, Code 1975, or the “twisting” statute which prohibits misrepresentations or misleading incomplete comparisons about the terms, conditions, or…”
Bryant v. Commonwealth Life Ins., 767 F. Supp. 1120 (S.D. Ala. 1991). · cites it 4× “Background Plaintiff Clifford Bryant filed a two count complaint in the Circuit Court for Mobile County, Alabama, against defendant Commonwealth Life Insurance Company, alleging fraud and a violation of Alabama Code § 27-12-6 (the “twisting statute”), 1 in the sale of a cancer…”
Garris v. Pioneer Life Ins. Co. of Illinois, 768 F. Supp. 335 (S.D. Ala. 1991). · cites it 4× “Background Plaintiffs Edward and Joyce Garris filed a two count complaint in the Circuit *336 Court for Washington County, Alabama, against defendants Pioneer Life Insurance Company of Illinois, American Small Business Association, National Group Marketing, and Errol Robinson,…”
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