Which of the following is not considered an unfair and deceptive practice?

Profit sharing is not considered an unfair and deceptive practice within the context of crop insurance. This is because profit sharing can be a legitimate business practice where both parties engage transparently in the sharing of profits derived from a partnership or venture. Unlike misleading advertisements, unauthorized representations, and concealment of information, which can mislead or deceive policyholders and are typically prohibited under insurance regulations, profit sharing does not inherently involve deception.

Misleading advertisements can create false impressions about the coverage or benefits of a policy, which is why they are viewed as unethical. Similarly, unauthorized representations can misinform clients about the terms and conditions of insurance products, leading to a breach of trust. Lastly, the concealment of information can obstruct a client's understanding of risks and coverage, again falling into the category of unethical practices. Profit sharing, provided it is disclosed and agreed upon, does not fit these categories and is thus considered acceptable in the insurance industry.