Life Insurance

Am I silly to be looking into wholesale life insurance? Honestly, as long as it gets the job done in the end---should I care how much of a bargain it was to get? I've been up to my ears in insurance paperwork for the past week. Medicare is pure craziness!!! I've been looking into policies for my husband and I, not millions, we're old! Just enough to help defray the costs of our final preparations. How's that for speaking all politically correct! I'm just trying to cut the amount that my children have to pay when I die....there---a little dose of reality for ya...but there it is!