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Losing a loved one
What to do when someone dies

The process you will need to follow as a representative for processing your loved one's assets depends on what type of accounts they held with us. You can find below a step by step summary of the different processes. If you're unsure of what type of accounts your loved one held, we will notify you of this once we have received the death certificate.

Freezing accounts

Once we’ve received a death certificate, all HL accounts in the deceased name will be frozen, and only the executor or administrator can sell any assets held.

Values will continue to change in line with normal market movements. Dividends will continue to be paid from investments and interest will be applied to any cash held.

This means there might be a difference between the account values initially given and the values when paid.

Making a difficult time a little easier

Dealing with the death of a loved one can be extremely hard. If you're also responsible for dealing with their finances things can get overwhelming.

Our guide can help you figure out who you need to contact, legal and financial things you need to sort and how to get authority to deal with the estate.

Download guide

Request this guide by post

Frequently asked questions

Getting financial advice

If you’re not sure what to do with your inheritance, our advisers can give personal recommendations and help you to:

  • Make the most of what your loved ones left you
  • Meet your investment goals and increase your confidence
  • Manage debts and taxes

Talk to us

Emotional support

Coping with grief can be really difficult. It’s important to make sure you have the support you need. National charities like these can help:

CRUSE BEREAVEMENT CARE

Call: 0808 808 1677

www.cruse.org.uk

SAMARITANS

Call: 116 123

www.samaritans.org

CHILD BEREAVEMENT UK

Call: 0800 02 888 40

www.childbereavementuk.org

Emotional support

Coping with grief can be really difficult. It’s important to make sure you have the support you need. National charities like these can help:

CRUSE BEREAVEMENT CARE

Call: 0808 808 1677

Visit site

SAMARITANS

Call: 116 123

Visit site

CHILD BEREAVEMENT UK

Call: 0800 02 888 40

Visit site

Inheriting money

If you’ve been left any money or investments held in an HL account, it’s important you understand your options so you can make the best choices for your situation.

This includes:

  • How you can withdraw or invest your inheritance
  • Deadlines and tax rules that might affect your decisions
  • Different savings and investment services that might interest you

Download guide

Request this guide by post