Telemarketers is what we call them in the US....

Hello, wow, we found you! My name is Robbie Pitcher, and I'm calling you because, as a valued JC Penny credit card customer, you were selected to receive up to $1,000,000 of accidental death insurance at no cost to you! The benefits for the primary insured are $1,000,000 for accidents involving public transportation, $150,000 for motor vehicle or pedestrian accidents, and $50,000 for all other accidents. And best of all, the first free months of coverage are absolutely free! And after the first three months, if you decide to keep the coverage, just $8.95 a month will be automatically billed to your JC Penney credit card account. And you can cancel anytime you decide the coverage doesn't meet your needs! So may we go ahead and enroll you in our special no cost accidental death insurance plan?.....Are you sure? The first three months are absolutely free, and you can cancel anytime you want just by calling tour special toll-free number!.....Okay, then, we'll call you back at a better time. And do have a nice day.