No cost, no obligation. No-exam options may be available for qualified applicants.
Aaron Polk
Aaron Polk, CEO and founder of Golden Shield Life Insurance, helps individuals and business owners secure custom life insurance, mortgage protection, and income replacement strategies.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Life insurance in West Virginia, including term, whole life and guaranteed issue options, explained in plain language by phone or video.
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.
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Aaron Polk, NPN 21216745. Verify any license through the NIPR license lookup.
Golden Shield Life Insurance helps clients compare life insurance options across the United States through our licensed team and carrier network, drawing on more than 130 carriers rated A- or better by AM Best.6
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Texas
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California
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Ohio
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Michigan
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Additional states served through our licensed team
Insurance availability and licensing vary by state, carrier, product, and agent. You can confirm that anyone offering you a policy is licensed in your state before sharing personal or financial information.3
Looking for a policy a relative may have left behind? The NAIC Life Insurance Policy Locator is a free national search tool. There is no cost to use it and no need to contact us first.11
“Aaron Polk is the best. He listens, explains everything clearly, and truly cares about helping his clients. I highly recommend him.”
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These are the coverage types, riders, and planning services Golden Shield Life Insurance can compare for you across our carrier network. If you are not sure which one fits, that is what the first call is for.
Availability, pricing, underwriting, riders, and exclusions vary by carrier, state, product, and applicant. No-exam options may be available for qualified applicants.
Level term generally holds the same death benefit and the same premium for the term you choose. Contract terms and renewal options vary by carrier.
A 10-year term may fit a shorter obligation such as a business loan, the last stretch of a mortgage, or a defined income need.
A 15-year term may fit a set debt, a remaining mortgage period, or an education timeline that ends on a known date.
A 20-year term is often used for a mortgage, the child-rearing years, debt repayment, or income replacement during peak earning years.
A 30-year term may fit a long mortgage, young children, or an income need that runs well into the future.
A 40-year term may fit a longer mortgage or a younger family. Availability, issue ages, and pricing vary by carrier.
Some term policies allow eligible coverage to be converted to permanent coverage without new medical evidence, subject to carrier deadlines and policy rules.
Renewal may allow coverage to continue after the initial term. The renewal premium, how long it can run, and your available choices depend on the contract.
Simplified issue uses health questions and other underwriting information in place of a paramedical exam. Available coverage amounts and eligibility vary.
Accelerated underwriting may use health questions, prescription history, and other data to reach a decision without a traditional exam for qualified applicants.
Universal life is permanent coverage with flexible premiums and an adjustable death benefit. Policy charges, funding, and lapse provisions should be reviewed closely.
Participating whole life may be eligible for dividends based on carrier results. Dividends are not promised and can change from year to year.
A 20-pay design calls for premiums over 20 years rather than for life. Premiums are generally higher because payment happens over fewer years.
Some whole life policies allow a loan against available cash value. Loans accrue interest and may reduce the cash value and the death benefit.
This rider may let an eligible insured person access part of the death benefit after a qualifying condition. Any amount used generally reduces what beneficiaries receive.
Some policies offer riders tied to qualifying critical illnesses. Covered conditions, benefit amounts, cost, and claim rules vary by contract.
Standalone critical illness coverage pays on a covered diagnosis. Compare covered conditions, waiting periods, benefit amounts, exclusions, and state availability.
Disability coverage replaces part of your income if you cannot work. Compare the definition of disability, monthly benefit, waiting period, benefit period, and occupation class.
Mortgage life insurance is built around a loan balance. Some versions pay the lender directly and the death benefit may decline as the balance drops, which is worth comparing against a policy your beneficiaries control.
A standard policy gives your beneficiaries money they can use to pay off or reduce the mortgage, or to keep making the monthly payment instead.
Parents often size coverage around income, childcare, the mortgage, education costs, and household debt during the years a family depends on them most.
Couples may review shared income, the mortgage, joint debts, childcare, and what the surviving spouse would need to keep the household running.
Buying young generally locks in a lower rate while health is at its best. It can matter if you carry debt, co-signed a loan, or expect a family later.
Union or association coverage is worth comparing against an individually owned policy, since group plans may end when membership or employment ends.
Seniors may look at coverage for final expenses, a surviving spouse, remaining debts, or a legacy. Available options depend on age, health, and carrier issue ages.
Veterans can compare individual coverage against VGLI, VALife, and other programs. Eligibility windows and benefit amounts vary by program.
Owners may use life insurance for household income, business debt, key-person planning, buy-sell funding, or succession discussions.
Funeral insurance is another common name for final expense or burial coverage. Compare benefit amounts, waiting periods, and premiums before you apply.
A smaller permanent policy that may help beneficiaries handle funeral, cremation, burial, medical bills, or other final costs.
No-exam options may be available for qualified seniors. Coverage amounts, health questions, waiting periods, and premiums vary by carrier.
Coverage sized to create funds for a funeral, burial or cremation, medical bills, and small debts, so the cost does not fall on family.
No-exam coverage may be available for qualified applicants. Carriers may still review health questions, prescription records, medical records, and application history.
High blood pressure does not automatically rule out coverage. Carriers weigh readings, medications, and overall health differently, which is why comparing them matters.
Compare quotes across available carriers based on your coverage need, age, health, state, and policy type. Final pricing is subject to carrier underwriting.
What you pay depends on coverage amount, policy type and duration, age, health history, tobacco use, riders, state, and underwriting class.
A calculator is a starting point for estimating coverage against debt, income, the mortgage, and education costs. It is not a quote.
Work through income replacement, the mortgage balance, other debts, education goals, existing coverage, and savings to land on a number that holds up.
Compare by purpose, duration, premium, death benefit, cash value, underwriting, riders, exclusions, and beneficiary options rather than by price alone.
The choice usually comes down to how long the need lasts, what you can fund consistently, and whether cash value matters to your plan.
An independent broker compares options across many carriers rather than selling from one company, which matters most when your health history is not straightforward. Premiums are generally the same whether you buy through an agent or directly from the insurance company.
Not seeing what you need? Golden Shield Life Insurance compares more than 130 carriers rated A- or better by AM Best. Call or text (678) 884-4653 and we can tell you what is available for your age, health, and state. No cost and no obligation.
Updated November 2026
Aaron Polk
Founder, Licensed Life Insurance Agent and Broker, and Former Medical Underwriter, Golden Shield Life Insurance · NPN 21216745 · Georgia Agency License 242517 · Verify this license with the State of Georgia
Aaron founded Golden Shield Life Insurance after someone posing as a representative of the Department of Veterans Affairs nearly talked his father, a retired U.S. Army Green Beret, out of money he had earned. That call is why this agency leads with plain answers and sources you can check yourself. Aaron worked in medical underwriting before becoming an agent, so he reads an application the way a carrier reads it. Golden Shield Life Insurance compares more than 130 carriers rated A- or better by AM Best, with a focus on older applicants and people other agents pass over.
How this page was made: Written by a licensed agent from first-hand casework, not compiled from other insurance websites. Definitions, tax treatment, government benefits, and consumer rights are checked against public guidance from state and federal agencies. Carrier-specific details such as issue ages, riders, underwriting rules, and rates come from current carrier materials and are confirmed at the time of quoting rather than stated as fixed on this page.
Updated: November 2026. This page is reviewed and updated as products, tax rules, licensing, and carrier practices change.