An uninvited personal visit or oral communication. They are allowed for life insurance, unit trusts and personal pensions but the caller must present a business card stating his name, position, firm’s name and address and the FSA authorisation logo. Telephone calls must not be made at an unsociable hour and no misleading information given. The caller must make it clear to the client that he will be entering into a contract for the purchase of investments. No undue pressure may be used.