As a vital government-run health insurance program, Medicare provides essential coverage and financial support for millions of Americans, primarily those aged 65 and older, as well as certain younger individuals with disabilities.

Unlike traditional life insurance policies that are often tied to a person's income or family size, final expense insurance is a more modest, simplified coverage option that helps cover the essential costs associated with end-of-life arrangements.

By taking the time to assess your current financial situation, outstanding debts, and the future needs of your dependents, you can determine the ideal coverage level and avoid paying for unnecessary bells and whistles.