Do concealers have to be lighter than your natural skin tone?

I am using a concealer but I am thinking of returning it to get a shade lighter… I am primarily using this for my under eyes, which tend to have a darker color… I am using one that is my skin tone, but doesn’t really hide or illuminate my under eye bags… Is it better to use a concealer that is one shade lighter to illuminate your skin? Thanks

P.s- I am using Boing by Benifit Industrial strength concealer :)