All of the following are considered unfair trade practices except:

Refusing to insure is generally not classified as an unfair trade practice within the insurance industry. Insurers have the right to assess risk and decide whether to offer coverage based on their underwriting guidelines. These guidelines take into account various factors such as the individual's risk profile, claims history, and other underwriting criteria. While it can be unfortunate for consumers when insurance is denied, this practice is typically permissible as long as it is based on legitimate underwriting reasons and not on discrimination or other improper considerations.

In contrast, discriminatory pricing, false advertising, and delayed claims processing are all practices that can violate fair trade regulations. Discriminatory pricing occurs when insurance companies charge different premiums to similar policyholders without a valid reason, which can be considered unfair. False advertising misleads consumers about the products or services offered, breaching ethical advertising standards. Delayed claims processing impairs the policyholder's ability to access timely benefits, which can also be deemed unfair and unethical. Understanding these distinctions helps clarify the landscape of unfair trade practices and the responsibilities of insurers.