What type of insurance is sold by direct response solicitation?

Direct response solicitation refers to a marketing method where insurance is sold directly to consumers without the presence of an agent or broker. This typically involves the use of various media such as television, radio, the internet, or print advertisements to reach potential customers.

Mass marketed life or health insurance is specifically designed to be sold in this manner. It is often offered at lower premiums and is targeted towards a wide audience, relying on the simplicity of the product to attract a large number of consumers. Because these policies are marketed directly to individuals, they typically do not involve the personalized service of an agent, which can streamline the purchasing process.

Other types of insurance, such as whole life insurance, commercial general liability insurance, and travel insurance, may not be predominantly sold through direct response methods. Whole life insurance often involves more complex options and requires a detailed understanding of the product, which typically benefits from the guidance of an agent. Similarly, commercial general liability and travel insurance often involve considerations that necessitate a discussion with a professional to ensure the coverage fits the specific needs of the buyer. Thus, while they can be marketed through various channels, they do not primarily rely on the direct response model as mass marketed life or health insurance does.