What does "churning" refer to in the context of insurance sales?

In the context of insurance sales, "churning" specifically refers to the practice of encouraging customers to replace their existing insurance policies with new ones based on misleading information. This often occurs when an agent presents information in a way that exaggerates the benefits of the new policy while downplaying or omitting the advantages of the existing coverage. This behavior can be unethical as it may not serve the best interests of the client and can lead to financial loss or confusion for the policyholder. Churning is generally considered a detrimental practice because it can undermine trust in the insurance industry and harm consumers. It highlights the importance of transparency and ethical conduct in insurance sales, ensuring that agents prioritize the well-being of their clients over personal commissions or sales figures.