What type of insurance is offered through direct-response solicitation by a sponsoring organization in West Virginia?

Mass marketed insurance is offered through direct-response solicitation by a sponsoring organization in West Virginia. This type of insurance is typically made available to a large number of individuals through a specific organization, often at a lower cost due to the large pool of potential subscribers.

Direct-response solicitation refers to marketing strategies that reach consumers directly, bypassing traditional agents and brokers. Organizations that sponsor mass marketed insurance often have established relationships with insurance providers, allowing them to offer coverage to their members or constituents conveniently and efficiently.

In contrast, employer-sponsored insurance typically involves coverage offered through an employer which may have different underwriting and eligibility requirements. Individual term insurance is designed for personal purchase by individuals, not through an organization. Group health insurance is a type of insurance that covers a group, usually offered through employers or unions but does not emphasize the direct-response aspect as mass marketed insurance does. Therefore, mass marketed insurance captures the essence of being sponsored by an organization while utilizing direct solicitation methods.