You'll need to contact a local independent agent who deals with Golden Rule and they can help you. They can also look at some other companies to try to get you a better deal and can also suggest other ways to lower your premium. Depending upon your situation Golden Rule may not be best for you. If you go through an independent agent you also have someone to help you if there are any problems getting you on a policy and also while you're on the policy. If you go directly through AARP you have an 800 number for assistance but you never talk to the same person twice, which as you know can be frustrating.
Do not under any circumstances cancel your current insurance until you are accepted by another plan.
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