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Resolution Life is proud to participate in government-led initiatives such as the National Anti-Scam Centre’s (NASC) Scams Awareness Week, and we remain committed to protecting our customers from scams.
A scam is when someone deceives you into providing personal or financial information so they can steal from you.
Scammers are criminals who use sophisticated psychological tactics to manipulate their victims. They exploit emotions, create false urgency, and impersonate trusted organisations to steal money and personal information.
Key statistics
The threat of scams is continuing to grow, and recent statistics released by the NASC show that;
• in 2024, Australians lost $2.03 billion to scams,
• approximately 1 in 3 scams go unreported, and
• scams affect individuals and organisations across all demographics and industries.
Warning signs
The are several red flags you can look out for and the Scamwatch website includes the following warning signs:
It’s an amazing opportunity to make or save money - scammers trick you into believing you’re getting an incredible deal or offer. They pressure you to act quickly so you don’t miss out. Remember, deals that seem too good to be true, usually are.
Someone you haven’t met needs your help and money - scammers try to use your good nature against you. They tell heartbreaking or tragic stories to convince you to help them and give them money. Always be wary of any appeal for money and never give more money than you are willing to lose if you can't independently confirm that the story is true.
The message contains links or attachments - Never automatically click a link or attachment you receive via email or text. Scammers try to catch you off guard and send you to scam websites designed to steal your information and money. Always make sure that the sender is who they say they are and that you know what you are opening. It's safest to find the information yourself by browsing to the website or app rather than clicking on a link.
You feel pressured to act quickly - scammers don’t want you to take your time to think things through. They use techniques designed to catch you off guard and rush you, either saying if you don’t you’ll miss out or threatening that something bad will happen.
They ask you to pay in unusual or specific ways - if a person asks you to pay with preloaded debit cards, iTunes cards, or virtual currency like Bitcoin, chances are it's a scam. Once this money is spent, you can’t get it back.
They ask you to set up new accounts or PayID’s - if someone asks you to set up a new bank account or PayID in order to pay them (or be paid by them), you should be suspicious. It could be a scam, or money laundering. Your bank will never ask you to open new accounts to keep your money safe. Stop and check who you are dealing with.
Common types of scams and key tips:
These are the more common types of scams, with some key tips on how you can protect yourself:
| Type of scam | What is it | Key tips |
| Email and Phishing Scams | Phishing is a way cyber criminals trick you into giving them personal information. They send you fraudulent emails or text messages often pretending to be from large organisations such as banks or telecommunication providers you know or trust. | The key is to always verify through independent channels – and log into your account directly rather than clicking email links. |
| Investment and Financial Scams | Investment scams promise unrealistic returns with little to no risk, often using fake testimonials and high-pressure tactics to convince victims to part with their money. | Legitimate investment platforms are regulated by ASIC in Australia and don't typically offer referral bonuses or create artificial urgency. The key is independent verification through official regulatory databases, not just checking that the people involved appear real. |
| Romance and Relationship Scams | Romance scammers create fake online profiles to build emotional relationships with their victims before requesting money for emergencies or travel expenses. These criminals are skilled at emotional manipulation and often maintain their deception for months, making this one of the most psychologically damaging types of fraud. | Legitimate people in genuine emergencies have other support networks available. Requests for money from online contacts you haven't met are major red flags. |
| SMS and Phone Scams | Scammers increasingly use text messages and phone calls to impersonate banks, government agencies, and delivery companies, often creating false urgency to trick victims into revealing personal information. These scams can appear to come from legitimate numbers and may include links to convincing fake websites designed to steal your credentials. | Resolution Life, banks and other legitimate organisations will never ask you to verify account details through text message links. The key is to always use official contact methods from verifiable websites. |
| Identity Theft and Impersonation Scams | Identity thieves use stolen personal information to impersonate victims, opening accounts, making purchases, or even committing crimes in their name. | Use unique passwords for each account and enabling two-factor authentication significantly reduces your risk of identity theft, even if one account is compromised. |
Helpful resources
For more information, the following organisations provide all the resources and tools you need to protect yourself from scams.
Australian Government | Australian Cyber Security Centre
The Australian Cyber Security Centre (ACSC) brings cyber security capabilities from across the Australian Government together into a single location and is the hub for private and public-sector collaboration and information-sharing to combat cyber security threats.
Australian Government | ReportCyber
ReportCyber is a secure reporting and referral service for cyber-crime and online incidents which may be in breach of Australian law. The ReportCyber website provides a cyber-crime reporting mechanism as well as helpful information about cyber-crime.
Australian Competition and Consumer Commission | Scamwatch
Scamwatch provides information to consumers and small businesses about how to recognise, avoid and report scams using publications, videos and other online resources.
Australian Government | Office of the eSafety Commissioner
The Office of the eSafety Commissioner provides online safety education for Australian children and young people, as well as a complaints service for young Australians who experience serious cyberbullying and access to illegal online content.
Australian Government | Attorney-General’s Department
The Attorney-General’s Department website provides helpful information and resources about your rights and protections about identity security, freedom of information and cyber security.
IDCARE
IDCARE is Australia and New Zealand's not-for-profit counselling and support service set up to assist Australians impacted by identity theft and cyber-related crimes. IDCARE is a free service and can assist you to navigate through the process when identity details or credentials have been compromised through fraud or scams.
Important information
Where the information on this website is factual information only, it does not contain any financial product advice or make any recommendations about a financial product or service being right for you. Any advice is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the product disclosure statement and policy document for the product. Any guarantee offered in the product is only provided by Resolution Life. Any Target Market Determinations for our products can be found at resolutionlife.com.au/target-market-determinations.
Resolution Life does not make any representation or warranty as to the accuracy, reliability or completeness of material on this website nor accepts any liability or responsibility for any acts or decisions based on such information.
Resolution Life can be contacted at resolutionlife.com.au/contact-us or by calling 133 731.
