M. J. Life & Pensions Limited (mjlifepensionsltd.com) Scam Warning: AFM Investigation

A genuine Irish company with more than three decades of corporate history appears to sit at the centre of a troubling investment website investigation. The name M J Life and Pensions Limited, its Carlow address and a claimed Central Bank of Ireland regulatory reference are prominently displayed on mjlifepensionsltd.com. But Dutch financial authorities have now warned consumers against the exact website, identifying it as a suspected boiler room.

This distinction is crucial. Irish corporate records confirm that M J Life and Pensions Limited, company number 181633, is a real company dating back to 1991. What investors cannot safely assume is that the people operating mjlifepensionsltd.com are genuinely acting for that established company simply because the website uses its name, history and address.

On August 27, 2026, the Netherlands Authority for the Financial Markets (AFM) warned consumers not to accept offers from mjlifepensionsltd.com. The regulator suspects the operation of being a boiler room—a form of online investment fraud.

The warning has also been reported through IOSCO’s International Securities & Commodities Alerts Network (I-SCAN), extending international visibility of the alert.

AssetVault Recovery considers mjlifepensionsltd.com a scam investment website. This assessment concerns the warned website and should not be interpreted as an accusation against the genuine Irish company whose corporate identity appears to be represented on it.

If you invested through mjlifepensionsltd.com, preserve your bank, cryptocurrency and communication records and submit the transaction trail for review and recovery options.

No upfront recovery fees. Fees are payable only after a successful recovery.

AFM Warning Names the Exact Website

The Authority for the Financial Markets (AFM) identifies mjlifepensionsltd.com directly in its warning.

The regulator records contact details associated with the operation, including:

• Website: mjlifepensionsltd.com
• Address: 2 Centaur Street, Carlow, R93 A6P4, Ireland
• Telephone: +41 22 542 0020
• Email: info@email-mjlifepensionsltd.com

The AFM advises consumers not to accept offers from the operation and says it suspects a boiler room.

The warning has additionally been reported through IOSCO I-SCAN. That represents international circulation of regulatory warning information; it should not be confused with a separate enforcement determination by IOSCO.

AssetVault found no verified exact-domain warning from the UK’s FCA, FINMA, BaFin, CNMV or FSMA during its regulatory sweep. Their absence from this investigation should not be interpreted as an endorsement of the website. The confirmed AFM warning concerns the exact domain.

A Genuine M J Life and Pensions Limited Exists in Ireland

This case requires more care than an investigation involving an entirely invented company name.

Official Irish Companies Registration Office records identify M J LIFE AND PENSIONS LIMITED under company number 181633. Historical corporate filings confirm that the company has existed for decades.

Independent Irish company information records its incorporation date as November 28, 1991 and gives its registered address as:

2 Centaur Street, Carlow, Co. Carlow, R93 A6P4.

That is the same Carlow address presented by mjlifepensionsltd.com.

This does not prove that the genuine company created, controls or authorised the website. Quite the opposite: because the AFM has warned against the exact domain, investors should independently establish the website’s relationship with the genuine company rather than assuming one exists.

This type of distinction is critical in suspected clone or identity-misuse cases. AssetVault encountered a comparable issue in its AVCS Systemgroup Securities investigation, where apparently legitimate corporate details required examination separately from the people operating the investment website.

The Website Claims Central Bank of Ireland Authorisation

Mjlifepensionsltd.com goes considerably further than merely displaying an Irish company name.

It describes itself as a Central Bank of Ireland-authorised firm and repeatedly displays regulatory reference C5454.

The website says it is authorised as both a MiFID investment firm and an Alternative Investment Fund Manager. It also claims that its pension and investment activities operate under strict European financial regulation.

Those are claims made by mjlifepensionsltd.com. Investors should not treat regulatory language copied onto a website as proof that the regulator authorised that particular domain or the people communicating through it.

The correct verification question is not simply, “Does a regulated company with this name exist?” It is:

Does the regulator confirm that the exact website, email addresses, telephone numbers and people soliciting the investment genuinely belong to that regulated entity?

The AFM warning against the exact domain makes that distinction especially important.

The Website Claims Decades of Experience Despite a Recent Domain

Mjlifepensionsltd.com repeatedly tells visitors that M. J. Life & Pensions Limited was founded in 1991 and promotes “decades of proven experience.”

The 1991 date corresponds with the incorporation history of the genuine Irish company.

But publicly available domain-age information indicates that mjlifepensionsltd.com itself is a recently registered domain, with its ownership information hidden through a privacy service.

A new domain does not prove fraud. A legitimate decades-old company can launch a new website at any time. However, when a recently established domain adopts the history and identity of an older financial company and that exact domain subsequently appears in a suspected-boiler-room warning, the relationship must be independently verified.

AssetVault found a related historical discrepancy while investigating First Group Holding, where corporate identifiers displayed by the investment website led to established entities whose records did not support the website’s presentation.

Claims of Protected Client Assets Could Create False Confidence

The regulatory presentation continues on the website’s “Regulation & Safeguards” page.

Mjlifepensionsltd.com claims that client pension and investment assets are segregated from company funds and held by regulated third-party custodians. It says it never directly controls client money and refers to independent auditors, depositary oversight and regular reconciliations.

The site also discusses eligibility for protection under the EU Deposit Guarantee Scheme, including protection limits of €100,000 for single accounts and €200,000 for joint accounts in qualifying circumstances.

These statements can make an investment proposition appear exceptionally secure. But legitimate investor-protection arrangements cannot be established merely because a website describes them.

If someone representing mjlifepensionsltd.com instructed an investor to send money to an account or wallet, the actual recipient must be identified. A promise of segregation or deposit protection does not override the evidence contained in the payment record.

An Australian Company Is Also Presented as a Branch

The website’s international corporate presentation creates another question.

On its contact page, mjlifepensionsltd.com identifies an Australian branch as:

CT & MJ HOLDINGS PTY LTD
ABN 70 696 445 851
ACN 696 445 851

The Australian government’s ABN Lookup confirms that CT & MJ HOLDINGS PTY LTD is a genuine Australian private company. However, its ABN became active only on March 23, 2026.

Government records also show a registered business name of ANZ Mortgage Solutions (Northern Tasmania), effective from May 1, 2026.

Those records confirm that the Australian company exists. They do not establish that it is a branch of the Irish M J Life and Pensions Limited or that it operates mjlifepensionsltd.com.

That distinction is important. Scammers can make an operation appear internationally established by presenting genuine company numbers alongside addresses and regulatory terminology. Each claimed relationship must be verified independently.

Bank Logos Are Not Evidence of a Banking Relationship

Mjlifepensionsltd.com displays the names or logos of numerous established financial institutions in its presentation, including major European banks.

Investors should not interpret those logos as proof that the institutions endorse the website, hold its client funds or have entered into a partnership with its operators unless the relationship can be confirmed independently.

The same applies to claimed custodians and bond issuers. If an investment representative says money will be held by a particular institution, obtain documentation and verify it directly through independently sourced contact details.

AssetVault has repeatedly found that apparent institutional credibility can become central to an investment pitch. Its Swiss Investment Company SA investigation similarly demonstrated why genuine corporate identities and details must be separated from the website using them.

Victims Should Follow the Payment, Not the Corporate Story

If you have already invested through mjlifepensionsltd.com, the most important evidence is not the website’s regulatory claims. It is the record showing where your money actually went.

For bank payments, preserve:

• beneficiary name;
• receiving bank;
• IBAN or account number;
• SWIFT/BIC information;
• payment reference;
• transfer date and amount; and
• any intermediary bank details.

For cryptocurrency payments, preserve the receiving wallet address, TXID, cryptocurrency, blockchain network and exchange withdrawal record.

Also save investment agreements, bond documents, ISINs, pension-transfer documents, emails, telephone numbers, WhatsApp or Telegram conversations and screenshots of account balances.

Do not delete communications simply because they contain false information. Those messages may establish who contacted you, what representations were made and where payment was directed.

Be Cautious of Additional Fees to Release Your Investment

If a withdrawal is now being delayed, do not automatically pay another charge simply because someone says the money cannot otherwise be released.

Requests described as tax, compliance, AML verification, insurance, transfer charges, liquidity requirements, bond-release fees or regulatory clearance should be independently verified before further money is sent.

A balance displayed on mjlifepensionsltd.com is not independent proof that equivalent assets exist. The transaction record is more reliable because it can help establish the real destination of the original payment.

This same principle is central to AssetVault’s Vaulterro investigation, where tracing actual asset movement is more useful to victims than relying on figures displayed by an online interface.

AssetVault’s Assessment of mjlifepensionsltd.com

This investigation presents an important distinction between a genuine corporate identity and a regulator-warned website.

M J Life and Pensions Limited is a real Irish company with corporate history dating to 1991. But the Authority for the Financial Markets (AFM) has specifically warned consumers against mjlifepensionsltd.com and suspects the operation of being a boiler room.

The warning has also been reported through IOSCO I-SCAN.

The website adopts the genuine company’s 1991 history and Carlow address, claims Central Bank of Ireland authorisation under reference C5454, presents extensive investor-protection assurances and identifies a recently established Australian company as a branch.

AssetVault Recovery considers mjlifepensionsltd.com a scam investment website. We are not making that finding against the genuine M J Life and Pensions Limited merely because its corporate identity appears on the warned website. Investors should verify any claimed relationship independently and should not send further funds to contacts associated with the regulator-warned domain.

Lost Money Through mjlifepensionsltd.com? Review Your Recovery Options

Victims should preserve enough evidence to distinguish the apparent corporate identity from the people and financial accounts that actually received their money.

Bank beneficiary records, cryptocurrency transactions, correspondence and investment documents can help establish the real payment route and determine what tracing, reporting or recovery avenues remain available.

👉 Request a confidential review of your mjlifepensionsltd.com investment and payment trail

👉 Submit your bank transfers, wallet transactions and investment documents for tracing and recovery assessment

No upfront recovery fees. Fees are payable only after a successful recovery.

Disclaimer

This investigation is provided for scam-awareness, investor-education and informational purposes. The Authority for the Financial Markets (AFM) warning concerns mjlifepensionsltd.com and describes the operation as a suspected boiler room. Reporting through IOSCO I-SCAN represents international circulation of regulatory warning information and is not described as a separate IOSCO enforcement action. The existence of a genuine Irish company named M J Life and Pensions Limited is distinguished from AssetVault Recovery’s assessment of the warned website. AssetVault Recovery is not alleging, without evidence, that the genuine Irish company created or authorised mjlifepensionsltd.com. AssetVault Recovery is not a financial regulator, law-enforcement authority or court. Case assessment does not guarantee recovery of lost funds.