Skip to contentSkip to Main Navigation

3 key customer touchpoints for autumn 2025

3 key customer touchpoints for autumn 2025

How much is too much when it comes to contacting your clients? You know your clients best, but to support you we’ve collated a few ideas for contact opportunities over the next few months.

1. Busy season for moving house (September-November1)
After the summer holidays, there’s usually an increased interest in home buying. Some people will have used their break to think about what comes next in their property journey. For others, September can signal the urge to find a new house and be settled before Christmas.  

  • Mortgage application  
    Every mortgage application can provide the opportunity to look at a client’s financial situation as a whole. Ensuring good outcomes is not just about finding the most suitable mortgage, but helping to make sure homebuyers and their dependents will be able to continue their payments and stay in their home should one of them become ill or die.  
  • Mortgage exchange and completion
    The run up to mortgage exchange and completion may be a good chance to check that any life or critical illness cover discussed is still the most appropriate fit. House-buying can be a long process, and things could change along the way.

    You could also help make sure cover starts at the right moment – when contracts are exchanged the buyer becomes legally responsible. HSBC Life (UK)’s Life Insurance policy offers
  • 90-day free protection – which can protect your clients between exchange and completion.  
  • Product maturity
    Keeping an eye out for insight like the CACI Mortgage Market Database and UK Finance fixed rate mortgage data could help you spot the peaks in product maturities. This could be a good time for you to reach out to your clients, for example to see if you could secure them a more suitable mortgage deal than they could get with their existing lender, and to reassess their financial wellbeing and protection cover.

2. Life milestones

  • New baby
    August, September and October2 typically have the highest birth rates in the year according to government stats. New parents often have so much to think about, they may welcome a reminder to consider a protection plan for the new shape of their family. At HSBC Life (UK) clients can also increase their Sum Assured without further medical underwriting within three months of the birth of a child.
  • Separation or divorce
    If people are separating, their joint policies may need to be split into individual ones, or one person may want to take over the whole policy. There are also conversations to be had about whether beneficiaries will change and if people’s protection needs updating due to any new financial responsibilities. At HSBC Life (UK) we offer a Separation Benefit where in the event that your clients have a joint policy and they separate, the policy can be split into two single policies without the need for further medical information.  
  • Teens off to university
    September sees the start of the university year. For clients with HSBC Life (UK) protection policies, it could be a good moment to remind them of the Online Health Services available to dependent children aged 16-23.3 Parents experiencing empty nest syndrome might also welcome the chance to talk. Up to 8 mental health consultations are available to be shared between family members every year.3

3. Reminders during client catch-ups