Which method of marketing includes independent contractors selling insurance?

The method of marketing that includes independent contractors selling insurance is independent agents. Independent agents operate by representing multiple insurance carriers, allowing them to offer a variety of insurance products to their clients. This flexibility enables them to find the best coverage options tailored to individual customer needs and preferences, as they are not tied to just one insurance provider.

Unlike exclusive agents, who work for a single insurer and can only sell that company's products, independent agents have the freedom to shop around for their clients. They can compare rates and coverage options from different companies, making them valuable resources for consumers seeking personalized service and optimal insurance solutions. Independent contractors in this context mean they operate independently, but they still need to be licensed and comply with insurance regulations.

Other methods listed, like direct writing companies, involve company-employed agents who solely represent one insurance firm. General agents may oversee multiple agents or manage specific territories but typically don't directly sell policies themselves. Therefore, the structure and operational freedom of independent agents uniquely characterize this marketing method as involving independent contractors.