Churning involves what specific action?

Churning specifically refers to the practice of using misleading or deceptive information to convince a client to replace their existing insurance policy with a new policy from the same insurer, in this case, Aflac. This action typically occurs when a representative pushes a client to switch their current policy under the guise of better terms or benefits, without fully disclosing the potential drawbacks, such as loss of benefits or increased premiums over time.

The primary concern with churning lies in its unethical nature, as it focuses on increasing the insurance company's revenue through policy replacements rather than genuinely assessing the client's needs and providing them with the most beneficial options. This practice is considered a serious violation of ethical standards and can lead to significant consequences for both the representative and the company involved.