Educating yourself about fraud is your best protection against it. This resource is intended to help you recognize and how to report anything you think is suspicious. If you believe you’ve received any suspected fraudulent correspondence purporting to be from Manulife or John Hancock, please contact us immediately at or 1-800-737-8500. If you’d like to find out more about how we protect your privacy, please take a look at our .
While fraud can take many forms, it is generally known as misrepresentation or concealment of a material fact or willful or deliberate act or failure to act with the intention of obtaining an unauthorized benefit. Manulife/John Hancock may learn of a misuse of its brands through a variety of ways. It is important to note that these scams may use a variation of our Company name and logo. If you suspect that the Manulife/John Hancock brand names or logos have been misused, please contact us at or 1-800-737-8500.
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Fraudsters, impersonating Manulife/John Hancock representatives, post fake jobs on legitimate employment message boards and social media web sites. Moreover, a fraudster may find your résumé posted online and, using the contact information contained therein, send you an unsolicited email or text offering a job or to set up an interview via instant messenger or texting. Manulife/John Hancock do not conduct interviews by instant messenger or texting nor ask for personal and financial information or payment of upfront fees. Moreover, any email correspondence coming from Manulife’s/John Hancock’s recruiting organization will come from a @manulife.com or @jhancock.com domain (be aware of email address spoofing). What purports to be a Manulife/John Hancock cheque may be sent to the candidate to purchase office supplies or as a salary advance. A certain amount, however, is asked to be returned to cover fees or taxes. Do not deposit the cheque nor correspond with the fraudster. The correspondence and cheque bearing the Manulife/John Hancock brand are counterfeit. If you unsure about the legitimacy of an employment opportunity with Manulife or John Hancock, please contact our HR Service Centre at 1-877-455-2055.
From time to time, Manulife and John Hancock, like the brands of other financial institutions, are misappropriated by criminals. High-tech or low-tech, these schemes are widespread and constantly evolving. Phishing is a general term for emails, text messages and websites fabricated by criminals designed to look like a communication that came from well-known and trusted businesses, financial institutions and government agencies in an attempt to collect personal, financial and sensitive information from recipients. This fraudulent activity is also known as social engineering. Variations of the same theme include more, low-tech “advance fee” schemes conducted via email or regular mail, where a victim is induced to pay money to someone in anticipation of something of greater value, or a telemarketing scheme where victims are induced to supply personal or financial information via telephone.
Manulife/John Hancock do not participate in lottery/sweepstakes contests. This scam involves the receipt of an unsolicited letter or email announcing lottery or sweepstakes winnings and could, if received by regular mail, include a corresponding cheque. The letter and cheque may reflect the name, address and logo of Manulife/John Hancock. You will be asked to deposit the enclosed cheque into your bank account and return a certain amount, via a wire service or bank for example, to cover fees or taxes. Do not deposit the cheque nor correspond with lottery or sweepstakes representatives; the letter and cheque bearing the Manulife/John Hancock brand is counterfeit. Do not click on any links included in electronic communication.
Fraudsters, using the Manulife/John Hancock brand, advertise loans or loan consolidation services on the Internet or in other publications. In order to “qualify” for a loan, unsuspecting victims are asked to provide personal identifying, financial, banking or credit card information via a website or email. A communication will follow approving the loan, but demanding that processing fees be paid upfront before the loan is provided. If a cheque is received, you will be asked to deposit it into your bank account and return a certain amount, via a wire service or bank for example, to cover fees or taxes. Do not deposit the cheque nor correspond with loan services representatives; the letter and cheque bearing the Manulife/John Hancock brand is counterfeit.
Fraudsters purchase merchandise from a seller through legitimate websites or online classified ads. Shortly thereafter, the seller receives what purports to be a Manulife/John Hancock cheque in an amount exceeding the cost of the merchandise. Despite the explanation for the overpayment, the buyer is asked to deposit the cheque into their bank account and return the excess amount via a wire service or bank, for example. Do not deposit the cheque nor correspond with purchaser of the merchandise nor correspond with the seller; cheques bearing the Manulife/John Hancock brand are counterfeit.
You receive an unsolicited letter, allegedly from an attorney, banker or even from someone claiming to be a Manulife/John Hancock representative. The letter notes that you are entitled to a large inheritance from a distant relative or wealthy benefactor who has died. You are often the only resource available to help secure the money, the amount of which money can vary, but typically in the millions of dollars. The fraudster notes that the money is difficult to retrieve due to government and bank restrictions or taxes in a particular country. Despite the seemingly elaborate story described in the letter, do not correspond with the sender. Do not provide personal identifying, financial, banking or credit card information. A letter or cheque bearing the Manulife/John Hancock brand is counterfeit.
A romance scam is when a fraudster fakes romantic intention towards a victim, gaining their affection and then using that goodwill to commit fraud. Fraudsters post profiles on dating websites, social media accounts, classified sites or online forums to search for new victims. Communications are exchanged between the fraudster and victim over a period until the fraudster feels they have connected with the victim enough to ask for money to cover medical expenses, rent, car payments etc. Fraudsters prey on the victim's false sense of a relationship to lure them into sending money.
Below is a directory of resources that may offer guidance and assistance. If you have suffered a financial loss as a result of fraud, you are also encouraged to contact your local police.