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A great deal of life insurance is still sold in people's own homes. It is not just conventional and unit-linked companies that employ salesmen to canvass "prospects"; there are also the industrial life offices, and some friendly societies also actively promote their own schemes in some parts of the country.

You should think carefully before signing a proposal form offered by one of these salesmen on the spot, however attractive the plan appears. Take your time to look into the proposal and compare it with what is available from other companies.

Sometimes when it is closely examined the content will be found to be different from what the salesman has claimed. For example, what is claimed to be a "flexible short-term savings plan" may prove to be one that matures when you are aged 65 but includes the option to take the proceeds early - at a penalty.

It is worth remembering, also, that the proposal form itself does not constitute a contract: this comes into force only when the proposer pays the first premium. Having filled in and signed a proposal form, you are at liberty to refrain from paying the first premium in which case the proposal lapses and no contract comes into being.

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