Life assurance is never a thumb suck amount. It has everything to do with what you need according to your estate plan. To determine the Life assurance you need depends on the costs of winding up your estate, what you want to leave behind for your beneficiaries and the cost associated with premium increases over time. Life Insurance includes cover for Severe Illness and Permanent Disability. Bessinger Brokers has sufficient contracts with a range of insurance companies to fit all the needs of our clients.