Norbert offered to split his commissions and provide benefits to clients to induce sales. This action is considered:

The action described in the scenario is indeed classified as rebating. Rebating occurs when an insurance agent or broker offers to return part of their commission to the client as an incentive to purchase a policy. This practice is generally illegal in many jurisdictions because it can undermine the integrity of the insurance market and create an unfair competitive advantage. Agents are expected to serve their clients and provide appropriate advice based on the clients' needs rather than using financial incentives that could distort their clients' decision-making.

In contrast, coercion involves pressuring or forcing someone to act against their will, which does not apply in this case as Norbert is offering a choice rather than imposing anything. Intimidation refers to threatening behavior to force someone into a decision, which again does not fit the description of merely splitting commissions. Twisting is a specific practice where an agent persuades a policyholder to transfer from one policy to another, often for the agent's benefit, which is also not relevant here since Norbert's actions pertain to offering commissions rather than changing policies.