Which method of marketing involves insurance sold directly to consumers without an agent?

The method of marketing that involves insurance sold directly to consumers without the involvement of an agent is known as direct writing companies. In this model, the insurance company sells its products directly to consumers, often through online platforms, telephone sales, or direct mail. This approach eliminates the intermediary, which can sometimes lead to lower costs for consumers since there are no agent commissions involved.

Direct writing companies streamline the purchasing process for customers, enabling them to compare products, prices, and features without needing to meet with a salesperson. This method is increasingly popular as technology has advanced, allowing for easy access to insurance information and purchasing options directly from a company.

The other options describe different marketing arrangements but do not involve direct sales to consumers. For instance, exclusive or captive agents only represent one insurance company, whereas independent agents work with multiple insurers but still act as intermediaries between the consumer and the insurance company. General agents typically have a more extensive role in recruiting and managing agents rather than selling directly to consumers.