INTELLIGENT FINANCE LIFE INSURANCE Intelligent Finance Uk was launched in 2000 as a new concept in personal finance as a telephone and internet based bank. IF Intelligent Finance Bank is a division of Bank of Scotland plc, which merged in 2001 with the Halifax Group (formerly the Halifax Building Society) to form a new banking group called Halifax Bank of Scotland (HBOS) - but retaining both Halifax and the Bank of Scotland as brand names. HBOS has agreed in 2008 to be acquired by Lloyds TSB. The combined group will be one of the largest financial institutions in the banking industry.  The deal in midst of the credit crisis, is still subject to regulatory and shareholder approval. HBOS also owns a 50% stake in Sainsbury's Finance  Bank - the other 50% being owned by J Sainsbury plc. Inteligent Finance for Life Insurance purposes currently products are provided via Legal & General. Intelligent Finance however does not use brokers but markets its own plans via its sales & marketing mainly across the web but does not provide advice from a Financial adviser.  Intelligent Finance Life Insurance via Legal & General includes Life cover, decreasing (mortgage protection) or level term assurance, Critical Illness, Terminal Illness & accident and sickness cover.    Looking in 2009 to compare Intelligent Finance or Legal & General Life Insurance policies against other Uk Insurers > Need a Competitive Life or Critical Illness Insurance Quote ?