Originally Posted by Sgt. Taylor
It's the same reason people "borrow" money - they need money for something now. Certainly you wouldn't sell renewals if you don't need the money - but if you need capital (and we all know banks probably won't lend us money with commissions as collateral) selling some of your renewal commissions isn't necessarily a bad idea.
Suppose you retire or at least quit working. The renewal stream will normally be a lot more that 2-3X annual. You'll need money then unless you're dead. May as well not sell. Sny service work will be with clients who approach being friends so again, why sell.
I remember from when I was new. This one agent would drive his motor home around the country & mail in or drop off a bunch of apps then take off again. He sold more not working than most people sell working. Large contracts mostly but he'd moved on to taking care of the grandchildren of clients who also tended to be successful.