Asset Shield Life
Asset Shield Life
Asset Shield Life emblem TheAsset ShieldAgency
Maryland Life Insurance · Living Benefits · Income Protection

We protect the life you're living. Not only the one you leave behind.

Asset Shield Life is a Maryland life insurance agency helping individuals, families, and business owners safeguard their income, build lasting wealth, and reach financial freedom, with strategies designed to support you while you're alive, not just after you're gone.

Protect income
Shielded
Build wealth
Compounding
Access in life
Living benefits
Protected Growing Tax-advantaged
Yomi Gbadegesin
Yomi Gbadegesin
Founder & Agency Owner
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The carriers we work with
Foresters Financial
Banner Life
John Hancock
Mutual of Omaha
Allianz
Corebridge Financial
American Equity
Ethos
Foresters Financial
Banner Life
John Hancock
Mutual of Omaha
Allianz
Corebridge Financial
American Equity
Ethos
Our core belief
People deserve more than basic coverage. They deserve strategies that protect their income, grow and preserve incomes while they are still alive.
The foundation of everything we build at Asset Shield Life
Yomi Gbadegesin, Founder of Asset Shield Life
Founder & Agency OwnerYomi Gbadegesin
The origin

A gap he lived through. So you never have to.

Before founding Asset Shield Life, Yomi Gbadegesin built a successful career in high-performance sales, leadership, and finance. Over the years, he rose from Sales Consultant to Sales Manager and Automotive Finance Manager, helping thousands of clients make informed financial decisions while working with globally recognized brands including Porsche, Mercedes-Benz, Honda, and Toyota.

Throughout his career, Yomi was known for educating customers on financing solutions, helping them secure favorable loan approvals, and recommending protection strategies that maximized the value of their investments. As a leader, he recruited, trained, mentored, and motivated sales professionals to achieve consistent results while delivering exceptional customer experiences.

Then life changed unexpectedly.

Following brain tumor surgery, Yomi was unable to work for several months. Because his income was largely commission-based, his earnings stopped almost immediately. Like many hardworking professionals, he believed he had done everything right. He had life insurance through his employer and thought he was protected.

What he discovered was a reality many families never see until it's too late.

His policy would provide a benefit if he died, but offered little support while he was alive and recovering. No income replacement. No meaningful living benefits. No financial relief during one of the most difficult seasons of his life.

"I was insured for my death, but completely exposed in my life. That gap nearly cost me everything, and it's the reason Asset Shield Life exists."

That experience became the foundation of Asset Shield Life.

Today, Yomi's mission is simple: help families, business owners, and professionals build financial protection that works while they're living, not just after they're gone. Through life insurance, retirement income strategies, annuities, wealth accumulation, and leadership development, he helps clients create security, build additional income, and pursue financial freedom with confidence.

Because true protection isn't just about preparing for death. It's about protecting your income, your lifestyle, your family, and your future while you're alive to enjoy it.

Our services

Strategies that protect, grow, and compound.

Every plan is engineered around a single question: does this protect your income today and build your wealth for tomorrow? Explore what we put to work for you.

01Life Insurance

Protection built for real life, with options to match every stage of it. From affordable term coverage to permanent policies that build cash value you can use while you're living, we help you choose the right foundation for your family's security.

  • Term Life
  • Whole Life
  • Indexed Universal Life (IUL)
  • Final Expense
02Wealth Accumulation

Put your money to work in tax-advantaged vehicles designed to grow steadily over time. We help you build cash value you can access during your lifetime, creating a foundation for lasting financial freedom.

  • Tax-advantaged growth
  • Cash value you can access
  • Shielded from market downside
  • Compounds quietly in the background
03Million Dollar Baby College Funds

Give a child a head start that compounds for decades. Started early, a properly structured cash-value plan can help fund college, a first home, or a debt-free start in adult life, while providing protection along the way.

  • Tax-advantaged growth from day one
  • Funds for college and beyond
  • A path without student-loan debt
  • A lifelong financial head start
04Fixed Indexed Annuity

An annuity is a long-term retirement planning tool that can be a cornerstone of your financial plan. It can help you protect and grow your retirement nest egg, or you can turn it into guaranteed lifetime income.

  • Protect and grow your nest egg
  • Guaranteed lifetime income option
  • Protected from market losses
  • A cornerstone of your retirement
05Business Owner Plans

Tailored financial strategies for entrepreneurs, ensuring sustainable growth, asset protection, and a smooth succession, positioning your business for long-term success.

  • Sustainable growth strategy
  • Asset protection
  • Smooth succession planning
  • Built for the long term
06Family Bank & Infinite Banking

Harness the power of generational wealth planning, creating a family-centric financial ecosystem that fosters growth, stability, and legacy preservation for generations to come.

  • Generational wealth planning
  • A family-centric financial system
  • Stability and legacy preservation
  • Wealth that lasts for generations
The Asset Shield difference

Most coverage protects your death. We protect your life.

Traditional insurance hands a check to the people you leave behind. We believe protection should also show up for you, in the moments you're still here to need it.

01

Protect your income

We safeguard the earnings that make everything else possible, built for real life, including illness, injury, and the unexpected.

02

Build lasting wealth

Tax-advantaged strategies that compound quietly in the background, turning protection into a foundation for growth.

03

Access while living

Living benefits give you the ability to draw on your coverage during a qualifying illness. Money when it matters, not only after.

 
The Asset Shield approach
Basic coverage
Pays out while you're alive
Yes, living benefits
No
Protects your income during illness
Built in
Not addressed
Builds tax-advantaged wealth
Core strategy
Rarely
Guided by a real strategy
Always
A product, not a plan
10+
Years across high-performance sales & finance
4
Globally recognized brands behind the founder's craft
$0
Cost for your first financial consultation & map
1
Belief: no family left behind, while they're still living
The income opportunity

Build a business that changes families, including your own.

Asset Shield Life isn't only about protecting clients. It's about developing leaders. As an agency partner, you're in business for yourself, but never by yourself. You'll learn the strategy, build the skill, and create new income while doing work that genuinely matters.

Explore income opportunity with us
01

In business for yourself, not by yourself

A proven platform, mentorship, and the tools to hit the ground running.

02

Create new income streams

Build a financial services business with real earning potential and ownership.

03

Develop as a leader

Financial strategy paired with leadership development, to grow your skill and your team.

04

Do work that matters

Help the families in your community protect what they're building, for generations.

How we work together

Clarity in four simple steps.

Step 01

Free consultation

A relaxed 30-minute conversation, over Zoom or in person. No pressure, no cost.

Step 02

Your financial map

A short questionnaire becomes a clear, one-page picture of your entire financial landscape.

Step 03

Custom strategy

We design a plan around your goals: protection, income, wealth, and the gaps to close.

Step 04

Ongoing partnership

Life changes; so do we. We review and adjust as your family and finances grow.

Common questions

Maryland life insurance, answered.

Do you offer living benefits life insurance in Maryland?
Yes. Living benefits are our core focus. We help Maryland individuals, families, and business owners put policies in place that can pay out while you are still living, in the event of a qualifying critical, chronic, or terminal illness, not only after you pass away.
What is the difference between IUL and whole life insurance?
Whole life offers fixed, guaranteed cash value growth, while indexed universal life (IUL) ties growth to a market index with a floor that protects against losses, plus flexible premiums. IUL is often used as a wealth-building and retirement-income tool. We walk Maryland clients through both so the choice fits their goals.
Do you offer income protection insurance for self-employed and commission earners?
Yes. Income protection is one of our specialties and directly matches our founder's own story. We design coverage for commission-based earners, sales professionals, and business owners in Maryland whose income would stop if illness or injury kept them from working.
Do you write final expense insurance for seniors over 65 in Maryland?
Yes. We offer final expense and burial coverage for Maryland seniors, including simplified-issue options. These plans are designed to cover funeral and end-of-life costs so the burden does not fall on your family.
Which areas of Maryland do you serve?
We serve families and businesses across Maryland, including Baltimore, Silver Spring, Rockville, Annapolis, and Gaithersburg. Consultations are available by video or phone statewide.
How much does a consultation cost?
Your first consultation is free. It is a relaxed, no-pressure conversation in plain language, with no obligation, designed to give you a clear, one-page view of your options.

Have a question that isn't here? Book a free consultation and ask Yomi directly.

Let's begin

Protect what you're building.

Book your free consultation and get a clear, one-page view of your finances. No jargon. No pressure. Just a real strategy to protect your income and build lasting wealth.

Book your free consultation

A focused 30 minutes, one to one with Yomi. No forms, no pressure.

  • A clear, one-page view of your finances
  • Strategies that protect your income while you're living
  • Honest answers in plain language, never a sales pitch
Book a free consultation

Pick a time that suits you. You'll receive a calendar invite and a reminder before we meet.