Mother passed last week, help needed please

theoretica

Be prepared for Halifax or Littlewoods to suggest that they transfer the account to you or your dad so you can continue using it. This would be a very stupid thing to agree to. I hope they wouldn't or aren't permitted to ask this, but it is as well to be prepared. Death is a normal business risk for them, and for the sums involved shouldn't be worth taking further.

I am sorry you are getting mixed messages about the insurance. I believe the answer will depend on the small print, but in my experience these are usually set up to be outside the estate.