The "pending submit" toggle is for applications that will not pay out with an advance of points and commissions. For example: A trial application or a rollover/annuity that will not be paid commissions immediately. These commissions take several weeks and sometimes longer, we want follow up on them but not count the points just yet. So you can think of the button as "pending commission payout". Best practice would be to NOT add production that has not been signed for or turned into the life insurance/ annuity company. Production page should be for "written/turned in business" only.