Types of Life Insurance

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Life Insurance (Term, Whole or Universal)

People buy life insurance for one reason above all:

☮️PEACE of mind...

Life insurance is a promise that, no matter what happens, your family or business won’t be left struggling financially.

It’s a tax-free payout to cover the mortgage, daily bills, college costs, final expenses, or to replace lost income.

💛 Protect your families' financial future.

🖥️ Protect your pocket from medical expenses.

📢 Protect your lifestyle in case of illness

🏠 Protect your home for generation to come

🧭 Main Types of Life Insurance

Term Life Insurance

Whole Life Insurance (Permanent)

Term life insurance for individual, families and small businesses. This type of life insurance provides temporary protection to cover a specific need if something happens. Here are a few examples of how term insurance can be used:

Mortgage Protection
Income Replacement
Key-Person Insurance
Fund a buy-sell agreement

Most policies last for 10-30 years depending on the amount of years chosen and the specific need. You should always ask about return of premium options, this can be added to some policies so at the end of the term (10-30 years) you get your money back if nothing happened.

Many of these policies can and should include living benefits which can provide you and your family with money in case of critical or chronic illness.

Whole Life Insurance (Permanent)

Permanent life insurance is exactly as it sounds. Coverage and insurance that will last your entire lifetime. These usually last until age 100 or age 120. They have so many different purposes and uses. Here are a few examples:

Supplement income for retirement
College Planning
Accelerating mortgage payments
Having peace in your heart knowing that your family will be taken care of in your absence.
Buying equipment, trailers or machinery for your business
Starting a business

These permenent policies are sometimes known as "Cash Value" policies are also referred to as Family Banking because as teh years pass by it can creat a substantial amount of funds that can be accessed for many purposes. Exactly like equity to a home.

Many policies can include living benefits which can provide you with money in case of critical or chronic illness.

Supplemental Life Insurance

Final Expense Life Insurance or Burial Insurance

Golden Shield Life Insurance offers supplemental insurance to protect you from the financial fallout of unexpected life events — not just death.

💸 Pays YOU directly, not the hospital
🏥 Helps cover medical bills, lost income, and living expenses during illness or injury
🛡️ Works alongside your life or health insurance, filling gaps most policies miss
👨‍👩‍👧 Great for families, business owners, and high-deductible plan holders
📍 Available across Georgia and multi-state coverage zones

Why Choose Golden Shields Supplemental Plans?

⚕️ Covers critical illness (cancer, heart attack, stroke)

🧾 Includes disability income protection
🚑 Offers accidental death & dismemberment (AD&D)
💼 Flexible plans for veterans, gig workers, and the self-employed
🧭 Portable policies that move with you — no employer needed

Final Expense Life Insurance or Burial Insurance

Final Expense Insurance is a permanent life insurance plan designed to cover end-of-life costs like funeral services, burial or cremation, unpaid medical bills, and any small remaining debts.

At Golden Shield Life Insurance, we help individuals and families across Georgia and surrounding states secure affordable, guaranteed coverage that lasts a lifetime. These policies are simple to set up, build cash value over time, and ensure your loved ones won’t face the emotional and financial burden of coming up with $10,000–$25,000 during a time of grief. No medical exam is required — and most applicants receive same-day approval.

Who is this for? Anyone who doesn’t want to leave behind a financial burden.
What does it cover? Final expenses including cremation, casket, service, and unpaid bills.
When should you apply? Now — while you're healthy and eligible.
Where is it available? We proudly serve Georgia, Florida, South Carolina, and more.
Why does it matter? Because GoFundMe isn’t a plan — your family deserves better.

🛡️ Types of Final Expense Insurance

🔹 Level Benefit Plan – Full coverage from day one for individuals in good health

🔹 Graded Benefit Plan – Partial coverage years 1–2, full coverage thereafter for moderate health concerns

🔹 Guaranteed Issue Plan – No health questions; ideal for those with serious medical conditions

💡Why Do Families Choose Golden Shield Life Insurance

✅ Fixed premiums for life — no surprises
✅ Cash value accumulation you can borrow from
✅ Fast payouts — often within 24 to 48 hours
✅ No medical exam required
✅ Covers ages 40 to 90 (and sometimes beyond)
✅ Top-rated carriers and state-regulated protection
✅ Local advisors who treat you like family

Cancer, Disability, Heart Attack & Stroke Insurance

Life doesn’t always go as planned.

That’s why Golden Shield Life Insurance offers supplemental policies for Cancer Insurance, Disability Insurance, and coverage for Heart Attack & Stroke. These plans pay you cash if you’re diagnosed with a serious illness, can’t work due to injury, or need time to recover. Use the money for treatment, living expenses, travel, or anything you need—so your finances aren’t another worry during a tough time.

Why Buy Insurance or Invest While Your Kids Are Young? (Smart Start)

It’s never too early to secure your child’s future. Golden Shield’s “Smart Start” programs let you open life insurance with a savings component for your kids or grandkids while they’re young and healthy—locking in the lowest rates, building cash value over time, and creating a financial head start for college, a first home, or even their own retirement. This is one of the smartest ways to turn a small monthly investment into a lifetime of opportunity for your family.

Why Choose Golden Shield Life Insurance

Golden shield life insurance is not just a typical insurance agency

We’re family owned & operated company in Atlanta and rapidly growing, and committed to serving Georgia with honesty and respect. Our CEO Aaron Polk, father is a Vietnam veteran and Green Beret, and our entire team believes you deserve personal attention, clear advice, and a plan you can trust. Whether you’re protecting your home, your children, your business, or your retirement, we’ll help you get there with the right coverage, at the right price, every step of the way. About Us.

Ready for a free quote or expert guidance?

Call Golden Shield at 678-884-4653 or Get Your Quote today—your family’s future is worth it.

Golden Shield Life Insurance, LLC.

1954 Airport Rd, Atlanta, GA 30341

678-884-4653

Licensed Georgia Life & Health Insurance Agency #3710928 · NPN: 21216745

Hours:

Sunday: Closed
Monday: 9am – 9pm
Tuesday: 9am – 9pm
Wednesday: 9am – 9pm
Thursday: 9am – 9pm
Friday: 9am – 9pm
Saturday: 8am – 7pm

About Us:

Golden Shield Life Insurance is a fully licensed, independent Atlanta life insurance agency serving families and small businesses across Georgia in person, by phone, or via secure video. We compare 25+ top-rated carriers to tailor coverage to your goals, budget, and stage of life: term life insurance quotes, affordable whole life, universal life (IUL), and burial/final expense. We also help with no-medical-exam options, mortgage protection, and policies with living benefits (often covering critical, chronic, or terminal illness). With insurance and financial planning expertise, we keep the process simple, clear, and stress-free. Call (678) 884-4653 or visit us at 1954 Airport Rd, Atlanta, GA 30341 for free quotes and policy reviews.

Quick Links:

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Term Life Insurance

Whole Life Insurance

Burial Life Insurance | Final Expense

Universal Life Insurance | IUL

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ATLANTA OFFICE:

Address: 1954 Airport Rd, Atlanta, GA 30341

Phone: 678-884-4653

Email: gsli@goldenshieldlifeinsurance.com

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How we’re keeping our clients and team safe from COVID-19.

Golden Shield Life Insurance proudly serves the Greater Metropolitan Atlanta area including, but not limited to:

Alpharetta Life Insurance, Atlanta Term Life Insurance, Avondale Estates, Brookhaven, Buford Life Insurance, Chamblee, Clarkston, Cumming Term Life Insurance, Decatur Final Expense Insurance, Duluth, Grayson, Johns Creek Life Insurance, Lawrenceville Burial Insurance, Lilburn, Marietta Life Insurance & Final Expense, Milton, Norcross, North Atlanta, Peachtree Corners, Pine Lake, Roswell Life Insurance, Sandy Springs Life Insurance, Scottdale, Smyrna, Snellville Final Expense Insurance, Stone Mountain Burial Insurance, Suwanee Life Insurance, Tucker, Woodstock, and Atlanta Whole Life Insurance.

Our service range includes clients within the following ZIP codes but we serve entire state of Georgia:

30303, 30305, 30306, 30307, 30308, 30309, 30319, 30324, 30326, 30327, 30328, 30329, 30338, 30339, 30340, 30341, 30342, 30345, 30346, 30350, 30004, 30005, 30009, 30022, 30040, 30041, 30076, 30097, 30024, 30043, 30044, 30045, 30046, 30092, 30518, 30519, 30062, 30064, 30066, 30067, 30068, 30075, 30080, 30082, 30030, 30033, 30034, 30035, 30083, 30084, 30087, 30088.

Owned/Operated By Aaron Polk, Life Insurance Agent

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Life Insurance Company in Atlanta Georgia

⭐ Life Insurance | Term, Whole & Final Expense

What are the different types of life insurance?

How we can help you?

Life Insurance (Term, Whole or Universal)

Video Explainer For Life Insurance Options For Clients