If you already have a regular life insurance policy, review its terms, coverage amount, and beneficiaries to ensure it meets your current needs, including final expenses. Final expense insurance can complement your existing policy by specifically allocating funds for funeral and burial costs, ensuring that your life insurance benefit is used for its intended purposes like supporting dependents or settling debts. Evaluate your financial situation to decide if an additional final expense policy is necessary to cover any gaps or specific needs not met by your current life insurance policy.