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.