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Masterkey Financial Services International
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Home Page About Us Contact Us Frequently Asked Questions Product Guide

Masterkey Financial Services International provides these methods of coverage. If you're interested in a product not shown, please contact us.

 


  • Accident
    Coverage that pays an additional benefit for death due to accident, common carrier and other accidents is available as a supplemental benefit with many life insurance policies. We also offer limited medical coverage for any accident or injury. This is particularly valuable for people with hazardous jobs, people with children active in sports, senior citizens and those who travel on the road a lot. High accident death benefit is also available in amounts of $1 million and more.
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  • Annuities
    The foundation of any plan, financial or otherwise, must be secure for the plan to be viable. For over 100 years, people have turned to Certificates of Annuity (CA's), a savings contract with an insurance company, for privacy, protection from the eroding effects of inflation, and a shelter from income taxes. CA's have provided the affluent a means of building and protecting wealth because annuities normally avoid both living and death probate, provide creditor protection (in Texas) and under current IRS guidelines, can be stretched to pass your legacy on for two generations.

    CA's can also be indexed to the DOW, the S & P 500 and other indices, to allow the policy owner to benefit from the upside potential of the market while maintaining the safety of a minimum rate of return during a market downturn. Past gains are locked in and your principle is never at risk.

    Whether you need to build a tax-advantaged retirement fund, want to enhance your current retirement income or desire to leave a lasting legacy to your loved ones, a CA is the ideal means of accomplishing your financial goals. All of the benefits of CA's and the many ways they can be used for both wealth creation and asset preservation are at your disposal.
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  • Athletes
    Due to the high-risk nature of the activities engaged in by professional athletes and normally high compensation, only certain companies are able to cater to their special insurance needs.
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  • Critical Illness
    Certain conditions such as cancer, heart attack, stroke, kidney disease, MS and MD present exceptional challenges with regard to duration and cost of treatment. Often, some of these conditions are no longer fatal or we simply live with them longer due to medical and technological advances. The paradox is that these advances make them much more expensive. Quite often, as much as 60% of the cost is non-medical in nature. Critical illness coverage provides large, lump-sum cash benefits, usually upon diagnosis, to provide money for both medical and non-medical expenses like time off work, travel and lodging costs for spouse and family care givers, non-covered charges, etc. The younger and healthier you are, the easier it is to qualify for coverage and the more affordable large amounts of coverage will be.
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  • Dental
    Insurance for preventive and restorative dental treatment is available from exceptional carriers. Deductibles, co-insurance, networks, method of payment and maximum benefits vary by plan. It is available for both groups and individuals in Texas.
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  • Disability
    Coverage for long term and short-term disability covers both on and off the job. Eligibility is determined by age, health and occupation.
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  • Entertainers
    Many carriers are reluctant to cover professional entertainers who travel, especially abroad and who work with pyrotechnics on stage.
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  • Group Health Coverage
    Masterkey Financial offers coverage through a variety of highly rated carriers for both small and large groups, from a "Mom and Pop" shop to a business with 200 lives. Available plans include Traditional Non-PPO, HMO, MSA (Medical Savings Account) and PPO. To receive a quote on your employee group of two or more, submit company data and census information.
    NOTE: Group coverage varies by company making premium comparisons complex at best. Quotes are normally good for only 15 days and may be rated due to significant claim/health history of the group. Participation by 75% of eligible employees and a minimum of 50% employer contribution are normally required to qualify for group coverage under law.
    - Download the Group MasterQuote form (33 KB), which requires Adobe Acrobat Reader; visit Adobe's web site to get the needed software if it's not already installed
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  • Home Health Care
    Long term care includes both home health and institutional care. For those living with a spouse or other family member who can be a caregiver, home may be both the most preferable and the most appropriate setting for recovery from a major illness or injury. The cost can also be devastating. Stand-alone policies providing funding for homemaker services, nurses and other professionals are still available from some carriers. Coverage purchased at an early age while your health is still good is very affordable and can provide lifetime benefits. Spousal discounts, and other options apply.
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  • IRA's
    Individual Retirement Arrangements are a tax deductible, tax deferred savings account. You may deposit as much as $3000 per year ($3500 at age 50) into an IRA. Roth IRA's are not tax deductible but growth on the account is not taxed and income from the account at retirement is free of tax as well. Special rules and penalties apply to IRA's allowing them to maintain a tax-favored status. Our IRA's offer certain advantages and long-term benefits.
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  • International Travel Coverage
    Providing coverage for the needs of travelers is one of our specialties. Whether you are a business traveler, a missionary, or a vacationer, we can get you covered. No matter where you travel, from country to country, to the United States from another country or from the United States abroad, we can provide excellent major medical coverage at low cost. Other coverage available includes lost luggage, medical evacuation, and repatriation of remains. Application is easy and premiums can be paid via credit card. A policy can generally be issued within 48 hours.
    - For an immediate quote, visit our online carrier
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  • Life, Term/Whole Life
    Many people have an inadequate amount of life insurance because they assume they have enough coverage at work or they underestimate the actual need that will exist at their untimely death. Group insurance rarely offers enough permanent coverage to meet the needs of loved ones at the insured's death and usually covers the employee only as long as the job lasts. Life insurance is designed to replace lost income and to create an instant estate if you aren't around to build one. Private coverage, in the right amount is the best way to accomplish this. Whether the preferred option is term or whole life depends on many factors and your specific needs, goals, and circumstances. There are select policies with A-rated carriers that offer the best of both worlds, a low, level premium for a specified period of time, and a guaranteed return of 100% of premiums paid at the end of the term. Other benefits may be added for additional premium to cover numerous events other than death such as waiver of premium, accelerated benefit due to terminal illness, double coverage for accident, etc.
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  • Long Term Care
    The next tidal wave in health care delivery is long-term care. Acute care facilities are too expensive. More and more people, regardless of age, are receiving care in non-acute care facilities or are convalescing at home with the occasional assistance of professional caregivers and homemaker services. Thousands of facilities and hundreds of home health agencies are opening nation-wide each year in anticipation of a massive shift in the way we care for the ill and injured in our nation. With the aging of America, the government is unable to provide for the care of all who will need long term care. As with most insurance, young and healthy equals affordability. Purchasing Long Term Care Insurance now can prevent undue burden on your family, premature asset spend down, and loss of financial dignity. You can choose NOW who will take care of you and the type and quality of care you will receive.
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  • Major Medical
    Regardless of your situation, you should be covered for hospital and major medical expense at all times. Perhaps you are self-employed, or your employer group coverage for dependents is priced out of reach. Maybe you have a court order or grandchildren or other situation requiring coverage for children only. Many small businesses don't offer group coverage at all. If you fit into any of these categories or occupy a special one of your own, we offer a variety of traditional and PPO plans through the top companies licensed to do business in the state of Texas. Deductibles vary, as do office co-pays. We also offer several short-term major medicals covering from 90 to 365 days if you are a student or between jobs.
    - For an immediate quote or to apply for normal family coverage, visit our online national carrier
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  • Medical/Dental Discounts
    If you are uninsurable due to obesity, diabetes or other condition, there is an abundance of programs for medical and dental discounts, accident coverage and even generic prescription drug coverage available to you without having to go through the normal underwriting process. Some plans offer deep discounts. Others offer actual reimbursement for expenses.
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  • Medical Savings Account
    An MSA is a tax-deferred savings account designed to pay medical expenses and must be created in conjunction with a qualified major medical insurance plan as defined in the IRS Code, section 213, with minimum and maximum deductible limits. Most come with a checkbook that can be used to pay any medical expense, including those not covered by the plan of insurance. In some cases, premiums for other health insurance and qualified long term care insurance coverage may also be paid out of the account. As long as the money in the account is used for qualified medical expenses, it can be withdrawn tax-free. Depending on the company, MSA's are open to the self-employed, small and large employer groups.
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  • Mortgage Protection
    If you own your own home, whether you live, die, become disabled or critically ill, the mortgage must be paid. An excellent way to be sure that your family's home is secure should anything happen to you is to buy mortgage term life insurance. Today's plans are very flexible offering a variety of options covering many life situations. The plan is usually designed to match the term of your mortgage, usually 20 or 30 years. Onto this term "chassis" additional coverages such as premium waiver, child rider, disability, accident, critical illness and even guaranteed return of premium at the end of your mortgage term can be added to enhance the value of your policy and give your loved ones the full protection they need.
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  • Pilots
    Aviators, both civilian and military, often find large amounts of affordable life insurance difficult to obtain. Look no further. We can get you covered.
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  • Prescriptions
    Plans that help defray the cost of prescription drugs come in two forms, network discount programs and insurance that actually pays a portion of the cost of the medication, usually after a deductible. Depending on your situation and needs, you may be eligible for either or both.
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  • Ransom
    Coverage for kidnap and ransom is relatively new in the marketplace. If you or an employee travel frequently in areas of the world where this could be a problem, we can provide you with a quote within 48 hours.
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  • Short Term Medical
    For students, certain non-resident aliens and those between jobs, a short term major medical policy can fill the gaps, span waiting periods for group coverage, and provide temporary coverage while waiting for eligibility for private health insurance.
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  • Terrorism
    Just as ransom coverage has become necessary in an uncertain world so has coverage to protect against terrorism and acts of terrorism.
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  • War
    Many policies for life insurance contain a war clause, meaning that death from war or acts of war is not covered. We can help you obtain coverage that does not contain the typical war clause.
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