What is 'Phishing' and 'Pharming'? Phishing (pronounced as 'fishing') uses both social engineering and technical subterfuge to steal consumers' financial account credentials. Pharming (pronounced as 'farming') is to misdirect users to fraudulent websites or proxy servers, typically through DNS hijacking or poisoning.

Social-engineering schemes use bogus e-mails to lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as usernames, passwords or personal detail. Hijacking the brand names of insurance companies, phishers often convince the recipients to respond.

Technical subterfuge schemes plant a software onto PCs to steal credentials directly, often using Trojan keylogger or Spyware.

How to avoid 'Phishing' and 'Pharming'?

• Be suspicious of any email with urgent requests for personal financial information.
• Don't use the links in an email to get to any web page, if you suspect the message might not be authentic, instead, call the company on the telephone to verify.
• Avoid filling out forms in email messages that ask for personal financial information or password.
• Always enter the full URL for Tokio Marine Life Insurance Singapore web site into your browser address bar.
• Always ensure that you're using a secure website when submitting personal or other sensitive information via your Web browser.
• Regularly log into your online accounts and don't leave it for as long as a month before you check each account.
• Ensure that your browser is up to date and security patches applied.

Note : No staff of Tokio Marine Life Insurance Singapore should ever ask you for your password for whatever reasons.