What is the system of insurance marketing that employs agents as employees of the insurer?

The correct answer is the Direct Writing System. In this system, agents are hired as employees of the insurance company and work within the framework and guidelines established by the insurer. This means that these agents primarily sell the insurance products of the company that employs them, as opposed to selling products from multiple insurers.

In a Direct Writing System, the relationship between the agent and the insurer is characterized by a level of control that the insurer has over the agents, which can include training, sales techniques, and compliance with the company's policies. This can lead to a uniformity in how products are presented and sold, ensuring a consistent brand message and customer experience.

Understanding the structure of different insurance marketing systems is crucial. The Independent Agency System, for example, involves agents who represent multiple insurers and can offer a wider range of products, which contrasts with the Direct Writing System's more focused approach. The Career Agency System typically refers to agents who build long-term careers primarily within one insurance company but still may have more independence than employees within the Direct Writing System. The Exclusive Agency System is similar to the Direct Writing System in that agents can only represent one insurer but often work as independent contractors rather than as employees.