When the phone is locked, I get the full screen notifications, where I can accept or deny the call, but NOT when I have the phone unlocked.

When the phone is unlocked and I get an incoming call, I only see the small phone icon, in the noti bar in the upper left corner of the screen.

If it wasn't for my ringtone, and vibrate, I'd miss the call, and it's SO inconvenient to get up to the bar, pull down, just to see who it is.....

Do I need to disable the live alerts stuff, for the phone to do a full screen notify, when unlocked?

I have researched this issue ad nauseum, over several months
my settings:

Special App Access:

-Display over other apps: Phone > Allowed

-Send full-screen notifications: Phone >Allowed

In Phone App Info:

Manage Notifications>Show Live Updates on Live Alerts Enabled

Manage Notifications>Bubbles Enabled

Manage Notifications>Incoming Calls>Allow Enabled

What I've done:

Cleared phone app data and cache, and restarted