ST ANDREW'S GROUP INSURANCE Established in 1995 & based in Surrey, St Andrews Group has grown rapidly to become one of the UK's leading specialist creditor insurer. It is a member company of HBOS and is part of one of the UK's biggest financial Groups.  St Andrew's main focus is creditor insurance, designed to help borrowers meet their financial commitments covering loans, mortgages and other finance in a range of eventualities including accident, sickness, critical illness and unemployment. The Saint Andrews Group products are distributed through client relationships from across the UK consumer and commercial lending market including banks such as MBNA, Bradford Bingley as well as utility companies and other insurers such as Bank of Scotland, Sainsbury's Finance and Prudential Pruprotect.   Halifax Bank of Scotland (HBOS) Group with headquarters in Edinburgh retains currently both Halifax and the Bank of Scotland as brand names. The Bank also owns Intelligent Finance plus they have a 50% stake in Sainsbury's Finance Bank - the other 50% being owned by J Sainsbury plc.  Bank of Scotland & Halifax Group have both used St Andrew's Life Insurance as their specialist protection provider for various products - which include over 50's Life cover, decreasing (mortgage protection) or level term assurance, Life with Critical Illness & accident sickness and redundancy insurance cover. In 2011 they announced big price rises on some of their St Andrew's unemployment plans.   Looking in 2012 to compare St Andrews Life Insurance policies against other Uk Insurers > Need a Competitive Life or Critical Illness Insurance Quote ? Article on:St Andrews Life Insurance ~ for more information visit.www.st-andrews.co.uk* ( * 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