I currently posses around 30 non-resident personal lines producer licenses. Some are coming up for renewal and instead of paying thousands of dollars in renewal fees I am going to cancel them and maintain my home state. I just recently made a switch in Lines of Authority and I am unsure of which states I will sell in which is why I'm non renewing them and will re-apply once I figure it out. The process to notify each state seems cumbersome and some states will not allow you to re-apply for a license if it's within 12 months of a voluntary surrender period. Is there any adverse action that is taken if I just let me licenses expire as opposed to written voluntary surrender? An advantage or disadvantage to either approach?