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Sorry Col, but don't agree in total. This whole churn argument is a nonsense without proper data. So instead of pussyfooting around, lets get some real data. Ask the adviser the reason for each policy lapse so that we can identify the exact number of churned policies and then perhaps the industry can act on fact instead of the fiction that is going on now. Also, I believe churn would all but disappear if the Adviser had to provide reasons for the policy replacement !! Those guilty of doing it can be weeded out and tossed aside like they deserve and the rest of us can get on doing a job job !!