Which of the following systems directly sells insurance without the use of agents?

The direct response system is a method through which insurance is sold directly to consumers without the mediation of agents. This approach typically utilizes marketing strategies that include television ads, online platforms, and direct mail campaigns, allowing potential policyholders to evaluate products and purchase insurance coverage directly from the insurer. This system emphasizes consumer convenience by eliminating the need for agents, which can sometimes streamline the purchase process and reduce costs associated with commissions.

In contrast, the captive system relies on agents who represent one specific insurance company, while the independent agent represents multiple companies, providing a broader selection of policies but still requiring an agent for the transaction. The direct writer system is similar to the direct response system, involving companies that employ their sales staff but does not encompass the non-agent model that direct response embodies. Therefore, the distinct characteristic of the direct response system is its direct engagement with consumers, making it the correct choice in this context.