Services

Our quality is based on our value. We see value as our product of trust. Trust within our clients, people, strategies and programs.

Masoba Innovations prides itself on being a top-notch professional services firm. We strive to seek out the best products or services and provide them.

The value of services we offer and the trust that we create with each client is the ingredients that we use to build quality relationships.

Have a look at the services we offer. And let's build a relationship together.

Mortgage Protection Insurance

Most plans are offered with simplified underwriting, meaning that there are no physical exams required to qualify. Many plans have additional coverage options that can be added on. These would include disability protection, critical illness protection, and even a unique return of premium feature that offers a refund of all eligible premiums at the end of your term. That's right: life insurance if you need it or a refund if you don't.

Mortgage protection is a life insurance product that is designed to pay off your mortgage in the event of your death.

The mortgage is normally any American family's biggest investment as well as their largest monthly expense. Many American families rely on two incomes to ensure that all household expenses can be covered, and without the proper amount of insurance most families would be facing a significant risk. For these reasons mortgage protection is more than a piece of paper. It's an investment into your family's future. With the proper coverage you can rest easy knowing your family will never lose their home, even if an unthinkable tragedy should ever occur.

Mortgage Protection Life Insurance is for people who want:

To ensure that their family is protected against losing their home in the event of a death, disability, or illness.
Competitive and affordable premiums without the hassle of a physical exam.
To supplement life insurance that your work may provide.
A fixed death benefit amount for a specific period of time.
Death benefit protection with a Return of Premium Option.
A life insurance policy that offers additional coverage options such as critical illness and disability insurance.

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Insurance

We are an independent insurance agency, established to provide solutions for the future (the children), retirement, disability and life insurance needs of individuals, families and business owners in El Paso County and the surrounding areas. We are committed to setting you and your loved ones up for success. It is our goal to provide you with coverage that enables you to live the life you want to live, while ensuring the safety of your family if the unthinkable were to happen.

We only showcase insurance companies with the best combination of competitive rates, strong financial stability, superior claims service and commitment to overall customer satisfaction.

We strive to deliver a first-class customer experience by treating you with the utmost courtesy, telling you the truth at all times and working to remind you over and over again that we highly value your relationship.

Final Expense

Those costs that occur at the time of a person's death are known as final expenses. Those expenses can and may include burial costs and any medical expenses. Final Expense Insurance is a whole life insurance policy that is designed to pay off these expenses upon death.

The average burial today costs approximately $9,000, and this does not include the funeral itself.

Leaving behind large debts can be crippling to family members. Final Expense Insurance enables families to properly grieve their loved ones without the burden of unplanned costs. Thankfully, final expense insurance is an affordable whole life insurance plan that can offer a solution to these problems.

Whole Life Insurance or Final Expense Insurance is for people who want:

Permanent protection over a lifetime.
Premiums that don't increase as you grow older.
Help to protect their loved ones from debts associated with the burial or funeral process.
Tax-deferred cash value that builds over time.
Affordable premiums customized to fit their budget.
A level premium and coverage as long as you continue to pay.

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Life Insurance

TERM LIFE INSURANCE

Simply put, term insurance is life insurance set for a fixed period of time. You may select term life insurance for periods of time ranging from 10 to 30 years depending on your age and health. Many term life insurance plans can even be purchased without the need for a physical exam.

To adapt to a family's changing needs, most in-force term life insurance policies may be converted to permanent life insurance or whole life without additional evidence of insurability.

Many people's needs may vary, even within the term life insurance category. We offer term product choices - so that the term coverage you select best matches your needs.

Of course, with the selection of different life insurance policies, you must carefully consider your own financial situation, and be aware of the many alternatives available to you. No single life insurance product design may have all the features you find desirable. Therefore, it is important to understand the features available to make the best decision for you and your family.

Term Life Insurance is temporary insurance and is for people who want:

To supplement life insurance that your work may provide.
A fixed benefit amount for a specific period of time.
Competitive, affordable premiums.
A death benefit protection with a Return of Premium Option.
An insurance policy that offers additional coverage options such as critical illness and disability insurance.

UNIVERSAL LIFE INSURANCE

Universal Life insurance is a permanent life insurance with flexible premiums and adjustable benefits. It can accumulate values beyond the guaranteed cash value. In addition to its cash values, which can be used for children's educations, it can supplement retirement income and be used for incidental expenses. Universal life insurance is flexible enough to change and adapt as your needs may vary.

Universal life insurance is considered to be the most flexible type of life insurance. UL policies, as they are often called, provide both premium flexibility and death benefit flexibility. This freedom allows the adjustment of your policy according to your life insurance needs. Universal life insurance also offers the ability to accumulate cash value under the policy on a tax-deferred basis. Many of our UL policies are offered with limited underwriting, and normally there are no physical exams required to qualify.

Universal Life Insurance is for people who want:

Lower-cost life insurance (compared to whole life insurance).
No-Lapse Protection.
A tax-advantaged savings element that provides a cash value with a guaranteed minimum interest rate.
Flexibility to adjust your premium payment and death benefit as your needs change.
Favorable loan features.

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Disability

Many people think their home is the biggest asset they own. We believe your biggest asset is your ability to work and earn an income. For most of us, paying the mortgage and other bills would be nearly impossible if we couldn't work due to a disabling illness or injury. Disability insurance helps replace a major portion of your income when you are sick or injured and unable to work. For this reason, many people think of it as "paycheck protection." Disability insurance, along with life insurance, can offer the protection you need to ensure that your family doesn't lose their home or other valuable assets if the unthinkable happens.

This can be used as a stand-alone policy or as an add on to your life insurance policy.

We can assist you in this valuable coverage, and normally without the need for a physical exam. Today, many households rely on two incomes to pay the mortgage and all of the household bills. Without a solid disability plan, your family could be at a significant risk.

Disability Insurance is for people who:

Need paycheck protection or income replacement.
Would like a paid for mortgage in the event your income stops due to disabling injury or illness.
Need to supplement or replace a plan or coverage offered by your employer.
Are looking for competitive, affordable premiums, often without the hassle of a physical exam.
Understand that an illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.
Know that their chance of missing at least 90 days of work due to a disability is just under 1 in 3.

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Critical Illness

Critical illness insurance is a plan that pays a lump-sum benefit upon diagnosis of a covered critical illness or condition. For example, the diagnoses of cancer, having a heart attack, or a number of other listed ailments are just a few of the things that could stagnate your ability to earn an income. A critical illness insurance payout would help you avoid the financial strain that a major illness can create. You'll only need to focus on your recovery.

Medical bills, loss of time from work, your mortgage, and other household expenses may be just a few of the monthly costs that accumulate if your paycheck stopped coming in.

Because our critical illness insurance pays you a cash benefit upon diagnosis of a covered critical illness or condition, you choose how to spend it: Make payments on your mortgage, pay medical bills, hire help for around the house, or take a family vacation. It's your choice.

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Retirement Protection

Annuities
An annuity is a financial product that allows a contract holder to accumulate money on a tax-deferred basis and receive a series of payments at regular intervals. People purchase annuities to obtain an income or to supplement retirement income they will receive from Social Security, pension benefits, investments, and other sources.

Annuities can help eliminate one of your fundamental concerns, outliving your savings. They can offer you guaranteed lifetime income payments, which may give you:

Freedom to fulfill your retirement dreams.

Financial peace of mind.

Flexibility to use your cash however you choose.

Unique among insurance products, annuities can offer you:

Guaranteed lifetime income payments that you can't outlive.

Tax-deferred growth which may minimize the taxes you have to pay when you start receiving payments.

Flexible payout options that can help meet your financial needs.

There are many factors to consider when determining the best retirement strategy for you and your family. If you are interested in safety and guarantees, without giving up great earning potential, then an annuity may be right for you. Contact us today so we can begin to show you ALL of your options.

Indexed Universal Life (IUL)

Indexed Universal Life is a policy that may seem complicated at first glance, but it can deliver huge benefits on your life! IUL is a permanent life insurance policy, and it is somewhat like whole life insurance. The difference is in its ability to be flexible to your lifestyle. Meaning, elements of your policy can be altered at your discretion. These universal life policies work with a cash aspect and an insurance aspect. It is the cash aspect that sets IULs apart from the crowd. On top of having an insurance policy to cover your life, you also have a cash value that grows according to index market of your choosing! These polices are for individuals who are ready to invest in their future, both through the market and by protecting their assets.

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Protecting the Future (Our Children)

Investment in your child's future

We believe that every parent wants the absolute best for their children. Giving your child a head start on savings for their college education, the down payment of their first home, and even their retirement, all while giving them the protection of life insurance is certainly a brilliant start. Ask us how you can set your child up for an amazingly successful journey through life. Honestly, is there a better a gift a parent could give?

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Note Purchasing

We can help put cash in your pocket today!

We are your one-stop READY CASH source for the sale of:

Owner Financed Mortgage Notes
Business Notes
Structured Settlements
Gaming Awards

As consumer asset-finance specialists, our contract buyers can also provide an immediate advance of cash for a pre-legal settlement.

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Notary Public

An experienced notary that cares, providing services you can depend on!

Masoba Innovations Notary Services is fully licensed, insured and bonded in the State of Texas.

Fast, Friendly, and Punctual. Save time & gas with our mobile notarial service. We go to you, at your location of choice!

Our regular service area covers all over the El Paso County; focusing on our local communities of El Paso, Horizon, Fabens, Socorro, Anthony, and Canutillo

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Translations

If you need documents translated, we can do that.

Masoba Innovations has been providing translation services to the El Paso and surrounding area since 2008. Now serving NATIONWIDE! Our clients range from individuals to military personnel to businesses of all sizes. We provide the translations of various type of documents from Spanish to English and vice-versa.

Charges will be provided upon notification and acceptance that we can translate your document.

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Document Handling

You can trust us with your documents

Every business has confidential documents that require proper handling and retrieval. Our experienced field agents provide professional document handling and retrieval services for organizations needing documentation to be returned quickly and accurately. From Title Loans to Settlement Attorney's - no case is to big or to small.

Masoba Innovations document handling services is the best in El Paso, TX. From the moment the documents are retrieved, Masoba Innovations assumes complete control in respect to the parameters of your agency and preserves the integrity of all originals with strict precision.

Our highly skilled agents attend appointed personal visits to each customer, where all paperwork is reviewed, completed and returned in line with agreed service level targets.

The best part is our competitive pricing is better than the rest.

Settlement Advance

Get an Advance of Cash on a Pending Legal Settlement

Legal Settlement Advances are LUMP SUM CASH ADVANCES upon a pending litigation. Often, claimants involved in Personal Injury, Sexual Harassment, Corporate Accounting Malpractice and other law cases find themselves no longer able to meet their monthly rent, automobile payments, or other financial obligations due to the lengthy times necessary to be granted suitable awards. In the past, such claimants have frequently needed to accept lesser settlement amounts due to pressing financial difficulties.

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Legal and Identity Theft Protection Plans

From the trivial to the traumatic and everything in between.

Get the power to talk to an attorney about any legal issue. Whether it's big, small or somewhere in between.

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