What is the definition of Direct Sales/ Direct Response?

Direct Sales or Direct Response is one way of selling a product such as life or property insurance. This method of sale can be by direct mail, through a newspaper or magazine advertisement, through the internet or the insurance company's own employees. Direct response is to be contrasted with insurance sales made by agents.

As the name suggests, it is the company reaching out directly to the customer and not through an intermediary. For example, there are certain products that can be sold by the insurance company sending out mailers to potential customers. There is usually a response form attached to the mailer. A customer who wants to avail of the product can send the mailer, along with payment and insurance details. The same thing happens for insurance sold through the Internet.

• Difference in Conditions
• Assigned Risk Plans
• Assets
• Asset-Backed Securities
• Assignment