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 agreed in 2008 deal in midst of the credit crisis to be acquired by Lloyds TSB. The combined group would be one of the largest financial institutions in the banking industry. 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 did not offer their own plans but used products provided via Legal & General. Now as part of Lloyds TSB they use Scottish Widows. Intelligent Finance however does not use brokers but markets its own plans via its sales & marketing mainly across the web rather than a visit from a Financial adviser.  Intelligent Finance Life Insurance via Scottish Widows includes Life cover, decreasing (mortgage protection) or level term assurance, Critical Illness, Terminal Illness & accident and sickness cover.    Looking in 2012 to compare Intelligent Finance or Scottish Widows Life Insurance policies against other Uk Insurers > Need a Competitive Life or Critical Illness Insurance Quote ? Article on: Intelligent Finance Life Insurance ~ for more information visit www.if.com * ( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.)  FOR PROTECTION PRODUCTS WE USUALLY OFFER FROM A LIMITED PANEL OF PROVIDERS For products with an investment element we will introduce you to an authorised adviser