All of the following practices would be prohibited EXCEPT?

Projecting a dividend on a participating policy is an acceptable practice, which is why this is the correct choice. A participating policy is designed to allow policyholders to receive dividends based on the company's financial performance, and as such, agents can project or estimate potential dividends, provided they do so in a manner that accurately reflects the policy's terms and the company's history of dividend payments.

The other practices listed are prohibited because they involve some form of deception or misleading information. Using a misleading name for a policy can create confusion among consumers, potentially leading them to make uninformed decisions about their insurance coverage. Misrepresentation of the benefits or terms of any insurance policy directly undermines the trustworthiness of the agent and can result in clients being misled about their coverage. Similarly, misrepresentation of the effects of a loan on a policy can lead to serious misunderstandings regarding the policy's financing and overall value, which could ultimately harm the policyholder's financial situation. Thus, it’s clear that projecting dividends, when done ethically and transparently, is not only allowed but is anticipated for participating policies.