All of the following would be considered rebating EXCEPT:

The concept of rebating typically refers to the practice of offering something of value to the policyowner as an inducement to purchase an insurance policy, enhancing the appeal of the contract beyond just the terms of the insurance itself. In this context, providing a complimentary service after a sale does not fit the conventional understanding of rebating.

Rebating usually involves offering financial or material incentives directly related to the sale, such as reducing premiums or cash rewards, which are expressly designed to sway a buyer's decision towards a specific policy. In contrast, offering a complimentary service post-sale—such as consultation, maintenance, or another form of added value—does not alter the primary selling terms and is generally seen as a legitimate practice, reflecting good customer service rather than a means of incentivizing a sale.

In summary, the provision of complimentary services after the sale enhances the customer experience and builds loyalty without directly affecting the terms of the policy itself, thereby exempting it from being classified as rebating.