HWJ Ltd can make an unsolicited telephone call to the personal phone belonging to Aoife who is NOT an existing client of the firm, if:

• A. The purpose of the call is limited to offering Aoife a term assurance policy.
• B. Aoife is a solicitor.
• C. Aoife is classified as a professional experienced investor.
• D. Aoife is contacted on a landline, and not on a mobile number.

Answer: (A)

The key idea is that unsolicited marketing calls to a non-client’s personal phone are tightly restricted, with only a narrow exception. The exception covers calls that are purely a sales offer for a straightforward life-insurance product, without giving advice or seeking to set up an ongoing relationship. So, if the only purpose of the call is to offer Aoife a term assurance policy, the call falls within that limited permissible marketing boundary.

What makes this the best fit is that it stays at the level of a simple product offer and does not involve financial advice, needs analysis, or the initiation of a client relationship. The other factors—Aoife’s professional status (solicitor or professional experienced investor) or the fact that the call is made to a landline rather than a mobile—do not, by themselves, create an exemption from the general rule against unsolicited financial product marketing to non-clients.