Question 1

Do I need a medical exam to get life insurance?

Accepted Answer

Not always. Many Transamerica policies offer no-medical-exam options for eligible applicants — you answer a few health questions instead. Whether you qualify depends on your age, coverage amount, and product. Angela will tell you which options fit during your free consultation.

Question 2

How much life insurance do I actually need?

Accepted Answer

A common starting point is 10-15 times your annual income, plus enough to cover your mortgage, debts, and future costs like your children's education. Use the estimate tool for a ballpark, then Angela helps you land on the right number for free.

Question 3

What's the difference between term and whole life insurance?

Accepted Answer

Term life covers you for a set period (such as 10, 20, or 30 years) at a lower cost. Whole life lasts your entire lifetime and builds guaranteed cash value you can borrow against. Many families use a mix of both.

Question 4

How much does life insurance cost?

Accepted Answer

It depends on your age, health, coverage amount, and policy type, but it's often more affordable than people expect — especially when you start young. The estimate tool gives a ballpark; Angela confirms your real rate at no cost.

Question 5

What is final expense insurance?

Accepted Answer

Final expense (or burial insurance) is a smaller whole life policy designed to cover funeral costs, medical bills, and end-of-life expenses so your loved ones aren't left with the bill. It's easier to qualify for and popular with seniors.

Question 6

Can I get coverage if I have a health condition?

Accepted Answer

Often, yes. There are policies designed for people with diabetes, high blood pressure, and other common conditions, including guaranteed-issue options that don't ask health questions. Angela works with multiple solutions to find one you can qualify for.

Question 7

Why work with a local agent instead of buying online?

Accepted Answer

A local agent explains what you're actually buying and shops your options for you. Angela is right here in Tennessee — the same person who answers the phone when you have a question years from now. No call-center roulette.

Question 8

What areas do you serve?

Accepted Answer

Whole Life Solutions serves Cleveland, Chattanooga, Bradley County, Hamilton County, and families across Tennessee. Phone and virtual consultations make it easy statewide.

Angela Cartwright

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