Churning is inducing a policyholder to cancel one contract and buy another by misrepresenting the facts or providing incomplete policy comparisons.

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Churning in the insurance industry involves an agent or broker encouraging a client to cancel an existing policy and purchase a new one, often by misrepresenting the benefits of the new policy or failing to disclose important information about the costs or disadvantages of switching policies. This practice is generally considered unethical and can be illegal, as it primarily benefits the agent through additional commissions at the expense of the policyholder's interests.

Churning Is Inducing a Policyholder to Cancel One Contract and Buy