Dear Toni: My mother passed away with no life insurance, and our family had to pay for all of the funeral cost out of pocket.

I’m 65 with high blood pressure and do not have an insurance policy for my end-of-life issues. I do not want my adult kids to experience what I did when my mother passed away.

Please explain which life policy I should consider. — Eva, Boston

Dear Eva: Many Americans wait too long to purchase a life insurance policy. They do not realize how their health issues can factor into their application for an insurance plan and then fail to qualify because of them.

A life insurance policy can help cover end-of-life costs, and give a person peace of mind knowing their family will not have to contend with financial strain caused by unforeseen debt.

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