What is the definition of "Churning" in the context of insurance policies?

Churning refers to the unethical practice of replacing an existing insurance policy with a new one primarily to generate additional commissions for the agent, rather than to provide better coverage or benefits for the policyholder. In this context, agents may encourage customers to cancel their current policies and purchase new ones without a legitimate need for that change, often resulting in greater costs for the insured and undermining their insurance protection. This practice is considered detrimental as it can lead to policyholders having inadequate coverage or losing valuable benefits from previous policies. The focus on earning commissions, rather than serving the best interests of the client, highlights the unethical nature of churning in the insurance industry.