Who we are. Golden Shield Life Insurance LLC is an independent insurance agency, Georgia Agency License #242517, Agency NPN #22189085. Guidance is provided by Aaron Polk, licensed life, accident and health insurance agent, Georgia License #3710928, NPN #21216745. Insurance is offered through agents licensed in the state where the client lives, and not every agent is licensed in every state.
How we are paid. We are paid commissions by the insurance companies we work with. Our help, quotes and policy reviews are free to you, and our compensation does not increase your premium. We compare options from more than 130 insurance companies, but we do not represent every insurance company in the market.
Quotes and coverage. Quotes are estimates and are not binding. Coverage, final premium and approval are determined by the issuing insurance company after application and underwriting. Policies are issued by the insurance companies, not by Golden Shield Life Insurance. Products, features and availability vary by state and carrier, and not all products are available in all states. Life insurance policies include exclusions and limitations, including a suicide exclusion during the first one to two years, which vary by state.
No medical exam and guaranteed acceptance. No medical exam coverage is not guaranteed approval. Approval may depend on your answers to health questions and on medical and prescription records. Guaranteed acceptance and graded benefit policies include a waiting period, often two to three years, before the full death benefit is paid for death from natural causes. Plans with no waiting period require underwriting approval.
Burial insurance. Life insurance does not specifically cover funeral goods or services and may not cover the entire cost of a funeral. Your beneficiary may use the proceeds for any purpose.
Supplemental insurance. Cancer, critical illness, accident, hospital indemnity, dental and vision policies are supplemental insurance. They are not major medical insurance and are not qualified health plans under the Affordable Care Act. Cancer insurance may be called specified disease insurance in some states. Supplemental policies may pay cash directly to the policyholder and include limitations, exclusions and waiting periods. Riders are available at additional cost.
Annuities and indexed universal life. Fixed annuities, indexed annuities and indexed universal life insurance are insurance products, not securities, bank deposits or investments in the stock market. They are not FDIC insured. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company, and each company is responsible for its own financial and contractual obligations. Indexed crediting is subject to caps, participation rates and fees. Surrender charges may apply. Policy values and dividends that are not guaranteed may change.
Ratings and trademarks. Carrier ratings refer to AM Best financial strength ratings, which reflect an insurer's ability to meet its obligations and may change. Insurance company names and logos are trademarks of their respective owners, and their appearance on this site does not imply endorsement of Golden Shield Life Insurance.
Ethos. Golden Shield Life Insurance is an independent licensed agency and is not an employee of Ethos Technologies Inc. Ethos policies are issued by the insurance carriers listed at ethos.com/carriers. Complimentary will and trust services are offered through Ethos Estate Planning, LLC with select Ethos policies through the Perks rider. The Perks rider is not available in WA and SD, and will and trust services are not available in AK and LA. Ethos Estate Planning, LLC is not a law firm and does not provide legal, tax or financial advice.
Mutual of Omaha. Mutual of Omaha life insurance and annuities are underwritten by United of Omaha Life Insurance Company, Omaha, NE. In New York, Companion Life Insurance Company, Melville, NY.
Other notices. We do not provide legal, tax or investment advice. Client story videos are animated from photos our clients provided, created with Google Vids, and published with each client's review and permission. In-person meetings are by appointment. Not affiliated with or endorsed by any government agency.
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