What is the term for an extra fee charged by an agent that constitutes unfair discrimination?

The term for an extra fee charged by an agent that constitutes unfair discrimination is referred to as "Excessive Charges." This term indicates charges imposed that go beyond what is reasonable or justified based on the service provided, potentially creating a disparity among clients based on arbitrary or discriminatory criteria. Such actions can violate regulations surrounding fairness and equity in insurance practices, as they can lead to unequal treatment among policyholders.

In contrast, other terms like "Service Charge" or "Administrative Fee" may refer to legitimate fees associated with specific services or administrative tasks necessary in handling a policy without suggesting any unfair treatment. Similarly, "Premium Adjustment" typically relates to the standard processes of recalibrating insurance premiums based on risk assessment rather than being linked to discriminatory practices. Therefore, "Excessive Charges" distinctly identifies actions that could be considered as unfair discrimination in the context of insurance agency fees.