Which scenario would permit unsolicited telephone contact with a non-client for a term assurance offer?

• A. The purpose is limited to offering a term assurance policy.
• B. The person is a solicitor.
• C. The person is a professional experienced investor.
• D. The contact is made on a mobile number only.

Answer: (A)

The key idea is that unsolicited calls to someone who isn’t a client are normally restricted, but there is a narrow exemption when the outreach is strictly for a single, clearly defined product. If the call is only to offer a term assurance policy and nothing else, the contact fits that limited, product-specific exemption. The regulator’s aim here is to allow a simple, one-product introduction without expanding into broad advice or multiple products.

The other scenarios don’t fit this exemption. Being a solicitor doesn’t automatically grant permission to cold-call non-clients for financial products. Trying to contact a professional experienced investor isn’t a special exemption either—the status of the recipient doesn’t create an allowance for unsolicited outreach. And merely calling on a mobile number doesn’t establish a permissible basis by itself; the rule hinges on the scope of the offer, not the contact channel.