I am new to the P&C game, and I realize the importance (at times) of having someones x-date so you can market more effectively. That being said, I hear agents on here talk all the time about doing that, and I am curious as to why they are not just selling them. Am I missing something here, or when they say they are x-dating someone, is that only because they could not close them now. If you have a better product that costs less, why wouldn't someone change immediately, rather than wait until they renew? My limited experience is that most people pay monthly, so I can't imagine it makes a difference. I would appreciate any input.