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 calls to a private number for financial products are tightly restricted, with only narrow exemptions. The only scenario that fits is when the purpose of the call is strictly limited to offering a term assurance policy. In that case, the firm is allowed to make the call even though Aoife isn’t an existing client, because the communication is confined to one specific product.

Being a solicitor or being a professional experienced investor does not automatically grant a blanket exemption for cold marketing to a private number, and the fact that the call is to a landline rather than a mobile does not create an additional exception. The allowed scenario remains the single-product offer.