Aaron Polk, founder of Golden Shield Life Insurance

Author

Aaron Polk

Founder, National Medical Underwriter & Licensed Insurance Broker

Golden Shield Life Insurance, LLC

  • NPN: 21216745
  • GA License: 3710928
  • GA Agency: 242517

Aaron Polk is the founder of Golden Shield Life Insurance, an independent agency in Atlanta, Georgia. He is a working national medical underwriter and has built and sold three businesses. He writes and reviews the guides on this site and helps individuals, families and business owners find life insurance, income protection and retirement income that fit their needs. Every guide follows our editorial standards.

Declined for life insurance? Aaron Polk, a licensed broker with Ethos, Mutual of Omaha & 130+ carriers, can help you find coverage. Call (678) 884-4653.

Last reviewed November 10, 2026

Aaron Polk holding a Golden Shield Life Insurance mug beside the words: Get life insurance and retirement income from the same place

Build Your Family Shield

Six gold shields of different shapes and designs, including a crowned lion crest, representing the coverage options Golden Shield Life Insurance offers families

Our Values

Aaron Polk sharing a kiss with Max, his Goldendoodle, on a sunny patio

Meet Max, Our Original Manager

Every business needs a manager, and ours was Max, my Goldendoodle. Max was by my side while Golden Shield Life Insurance was being built, and he is where the “Golden” in our name comes from. He is a reminder of what this work is really about: looking after the ones you love.

Aaron Polk, the Life Insurance Broker Near You

  • Lic. #3710928

    Georgia

    Compare life insurance companies in Georgia with Aaron Polk, in person at our Atlanta office on Airport Rd or by phone and video anywhere in the state.

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    Arizona

    Short term disability insurance in Arizona can replace part of your paycheck while you recover from a covered illness or injury. Aaron Polk compares benefit amounts and waiting periods for you.

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    California

    Life insurance in California, from term coverage for young families to permanent policies for retirement and legacy planning, compared across top-rated carriers by phone or video.

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    Florida

    Mortgage protection insurance in Florida helps your family keep the home if you pass away. Aaron Polk compares term and permanent options sized to your mortgage balance.

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    Michigan

    Life insurance in Michigan for families, seniors and business owners. Aaron Polk compares term, whole life and no-exam options so you can choose with confidence.

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    Missouri

    Short term disability insurance in Missouri can pay a weekly benefit when a covered illness or injury keeps you off work. Compare benefit amounts, waiting periods and costs.

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    Ohio

    Life insurance in Ohio, compared across more than 130 carriers rated A- or better by AM Best, so you can find the right coverage amount for your budget.

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    South Carolina

    Short term disability insurance in South Carolina helps cover your bills while you recover from a covered illness, injury or surgery. Aaron Polk helps you compare plans.

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    South Dakota

    Burial insurance in South Dakota helps your family pay for funeral costs and final bills. Compare small whole life policies, most with premiums that stay level for life.

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    Tennessee

    Life insurance in Tennessee for every stage of life, from term coverage while your children are young to whole life and final expense coverage later on.

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    Texas

    Term life insurance in Texas covers you for 10, 20 or 30 years at a level premium. Aaron Polk compares rates and no-exam options from top-rated carriers.

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    West Virginia

    Life insurance in West Virginia, including term, whole life and guaranteed issue options, explained in plain language by phone or video.

Don’t see your state? Just ask.

Golden Shield Life Insurance is nationwide, with licensed agents in every part of the USA. Call or text (678) 884-4653 and we will connect you with a licensed agent in your state.

Map of the United States showing Golden Shield Life Insurance serves clients nationwide

Aaron Polk, NPN 21216745. Verify any license through the NIPR license lookup.

Professional Background

Aaron Polk is a licensed insurance broker, a national medical underwriter and an entrepreneur. He has more than four years of medical underwriting experience and still underwrites today, reviewing health histories, prescriptions and applications the way carriers do. Before founding Golden Shield Life Insurance in 2024, he built and sold three businesses, including a moving company, so he has managed employees, payroll and benefits himself.

Today he leads Golden Shield Life Insurance, where he compares coverage from more than 130 carriers rated A- or better by AM Best and helps clients understand eligibility, pricing and policy features before they apply.

A Firsthand Perspective

In 2007, Aaron Polk told an agent he was young and would get life insurance later. Twenty-eight days later, an accident on the beach left him a quadriplegic, and he did not go home for eight months. The financial loss that followed taught him how quickly life can change, and why coverage has to be in place before you need it.

66.5% of surveyed bankruptcy filers cited medical expenses, illness-related lost income, or both as contributing factors (American Journal of Public Health, 2019)
Source: Himmelstein DU, Lawless RM, Thorne D, Foohey P, Woolhandler S. “Medical Bankruptcy: Still Common Despite the Affordable Care Act.” American Journal of Public Health, March 2019. Survey of 910 people who filed for bankruptcy between 2013 and 2016.
Read Aaron Polk’s full story

In 2007, a few weeks after I decided not to move forward with life insurance, an accident changed my life. I went from walking into the ocean to living my life in a wheelchair. Almost overnight, the things I thought I had years to plan for were in front of me: rehabilitation, equipment, changes to my home, business obligations, and all the ordinary bills that kept coming whether I was ready or not.

That is when I learned what I now tell every client. Insurance has to be in place before you need it, because once your health or your life changes, your options change too.

Years later, I became a life insurance agent and began specializing in medical underwriting, and I still work as a national medical underwriter today. I learned how carriers weigh age, health history, prescriptions, past surgeries and diagnoses, and how two companies can look at the same person and reach very different decisions. Instead of sending in an application and hoping for an approval, I learned to spot underwriting issues first, figure out which carriers were likely to view a client more favorably, and narrow the field before anything was submitted. That approach is still at the center of how Golden Shield Life Insurance works.

I had also been on the other side of the desk. Before Golden Shield Life Insurance, I built and sold three businesses, and I was the one responsible for employees, payroll, benefits and the future of the company. I know the questions owners ask themselves: What happens to the business if something happens to me? What if we lose a key person? How do we give employees more protection without taking on a large new expense? Those questions shaped the business protection and voluntary benefits side of what we do.

The longer I worked in the industry, the more I saw how hard it was for people to shop for coverage. Online quoting was a real improvement, but a quote is not the same as understanding a policy. A website can tell you what you qualify for and what it costs. It usually doesn't explain how premiums may change later, what conversion privileges mean, which riders and living benefits matter, how your underwriting class was decided, or what your family will go through when the policy is finally used. Meanwhile, people spend weeks filling out forms and taking calls until they can't remember who quoted what.

I built Golden Shield Life Insurance to keep the convenience of that technology and add a person who stays with you. We can meet by video, compare quotes together, complete applications electronically, and use no-medical-exam options when they fit. We look at your age, health, medications, budget, existing coverage and goals, search a broad network of carriers, and then explain what the choices actually mean. Some qualified applicants can get several million dollars of coverage without a traditional exam. Larger cases for business owners and high earners may go through full underwriting. And people with serious health conditions may still have simplified-issue or guaranteed-issue options.

We are a specialty agency on purpose. We don't sell auto or homeowners insurance. Our focus is life insurance and the protection around it: living benefits, income protection, supplemental health coverage, retirement income, voluntary workforce benefits, and coverage for business owners and key employees. If you already own a policy, we start with what you have, what's missing, and whether it still does what you bought it to do. If you don't, we start with what you're trying to protect.

I also wanted people to be able to check us out before trusting us with something this important: a real office, public reviews, verifiable licenses, and a person who is accountable for the advice. Buying a policy shouldn't end the relationship. You should know who to call years from now when you have a question, want a review, or your family needs help with a claim.

Today I am personally licensed in 12 states, shown on the maps above. In 2025, the Georgia Business Journal named Golden Shield Life Insurance a Best of Georgia Regional Winner in the Insurance Agencies category.

I'm proud of that recognition, but it isn't why this company exists. It exists because I know what happens when life changes without warning and the protection isn't there. My goal is to help people make these decisions before the unexpected happens, with someone beside them who will still be there when the policy is needed.

That was the company I needed in 2007. So I built it.

Insurance Specialties

Aaron Polk focuses on life insurance, income protection and retirement income, including:

Additional areas of expertise include:

Services: Life Insurance Broker · Independent Insurance Broker · Income Protection Insurance Agency

How Aaron Polk Helps Consumers

Aaron Polk takes a straightforward, educational approach. He starts with your age, health, medications, budget and any coverage you already own, then uses his underwriting background to spot issues before an application is submitted. He compares carriers that are likely to view you favorably, explains riders, conversion options and living benefits in plain language, and helps you choose coverage that fits your goals.

You can meet with him at the Atlanta office, by phone or by video. Buying a policy doesn’t end the relationship: he stays available for reviews, questions and help with claims.

Articles & Insurance Guides Written by Aaron Polk

Aaron Polk, Founder of Golden Shield Life Insurance, shares his experience in insurance underwriting, financial protection and helping consumers compare coverage. His articles and guides are designed to help families, seniors, veterans and business owners understand their options, avoid costly mistakes and make informed insurance decisions.

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