Churning, also known as twisting, is an attempt by an unscrupulous agent from an insurance company to cancel your existing policy and replace it with a new one, drawing down your cash value (called “juice” in industry jargon) to pay for it. This activity generates additional commission for the agent and may result in your having to pay more down the line. It is also a word used to describe the actions of a stock broker who continually buys and sells for an account, churning profits for the broker oftentimes eating up whatever profits might be there for the consumer.