PUBLIC ADVISORY: FRAUD AND SCAM DISCLAIMER
Official Guidance for Policyholders, Participants, Vendors & The General Public
Hilal Takaful Insurance Company Limited is dedicated to offering reliable, transparent, and strictly Shariah-compliant insurance services to our valued participants, partners, and the general public.
However, in light of the rising prevalence of financial fraud, fake digital advertisements, unauthorized account solicitations, and sophisticated scams targeting insurance consumers across the country, we hereby issue this official disclaimer and public warning.
Please review the following security guidelines and safeguards carefully:
Legitimate Communications
Hilal Takaful Insurance Company Limited will only send official correspondence through verified channels. These include emails originating from our corporate domain (@hilaltakaful.com.ng), our verified website at hilaltakaful.com.ng, and duly accredited company representatives. Any communication emanating from free webmail accounts (such as @gmail.com, @yahoo.com) or unofficial phone numbers asserting to represent Hilal Takaful is unauthorized, fraudulent, and should be disregarded immediately.
Protection of Personal Information
We will never request sensitive personal information — such as your banking personal identification numbers (PINs), Bank Verification Numbers (BVN), one-time passwords (OTPs), policy passwords, or debit/credit card CVV codes — via unsolicited emails, telephone calls, SMS, WhatsApp, or social media messages. Please exercise extreme caution and never disclose private credentials to anyone claiming to represent Hilal Takaful without independent verification through our verified support desk.
Identifying Scams and Fake Solicitations
Fraudulent actors may impersonate Hilal Takaful officials by offering fictitious Takaful certificates, soliciting contributions for non-existent coverage, promising unrealistic guaranteed investment yields, or distributing fake recruitment/employment notices demanding processing fees. If any communication appears unusually urgent, suspiciously attractive, or requests upfront fees, please pause and contact our office directly before taking any action.
No Payments to Personal or Third-Party Accounts
Hilal Takaful Insurance Company Limited does NOT request or authorize contribution payments, surplus dues, or administrative fees to be paid into personal, individual, or agent bank accounts. All legitimate Takaful contributions must be paid exclusively into officially designated corporate bank accounts bearing the registered corporate name "Hilal Takaful Insurance Limited" or via official payment gateways embedded on our website. Any demand to transfer funds to a private individual account is an immediate indicator of fraud.
Independent Verification of Policies and Claims
If you are uncertain regarding the authenticity of any policy document, premium quote, contribution invoice, or claims notice claiming to be from Hilal Takaful Insurance Company Limited, please contact our Underwriting & Customer Care Department immediately to authenticate the document prior to committing funds.
Reporting Suspicious Activities
If you suspect that you have been contacted by an imposter or have encountered a suspicious platform misrepresenting Hilal Takaful, please report the incident promptly to our Audit & Compliance team via whistleblower@hilaltakaful.com.ng or our dedicated hotline +234 907 682 4451. We take all reports with highest urgency, liaise actively with law enforcement authorities, and take decisive measures to safeguard the public.
Corporate Liability Disclaimer
Hilal Takaful Insurance Company Limited expressly disclaims any and all liability for losses, damages, or claims arising from transactions or communications conducted with unauthorized third parties or outside our verified corporate channels. While we continuously employ robust security and statutory compliance controls, we urge our valued stakeholders to exercise vigilance and partner with us in maintaining institutional integrity.