Answer:
a direct incentive
Explanation:
Direct incentives are ways to motivate a client to make an investment with the promise that that client will receive a return on that investment directly. An example of this is when a health insurance company may offer its policyholders a discount on their premiums if it proves that it has stopped smoking. Taking out health insurance is an investment and the insurance company promises a return on that investment to the customer who proves that they have quit smoking.
