What type of marketing arrangement involves no agents at all?

The correct answer is direct response marketing system. This marketing arrangement is characterized by the absence of agents, as it relies on direct communication between the insurance company and potential customers. Through this system, insurers use various media—such as television, radio, print advertisements, and online platforms—to reach consumers. Interested individuals can respond directly to the advertisements to purchase policies or request more information, thereby eliminating the need for agents in the sales process.

This method is particularly effective for companies looking to reach a wide audience quickly and efficiently, enabling a more streamlined purchasing experience for customers. It emphasizes the role of marketing and technology in making insurance products accessible to consumers without intermediary agents.