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Annuities in Santa Clarita CA & Castaic CA

Keep Your Financial Resources Protected.

Carlos Villalobos Insurance Agency Inc. understands the value of saving for and investing in your future. If you’re like many Americans, you work diligently each day and take the right steps to ensure that you’ll be supported with a comfortable income after you retire. That’s why it’s smart to have the right coverage options under your retirement plan because in some cases, you can actually outlive your income.

The last thing you’ll want to experience as a retiree is a loss of your financial resources. With an Annuity from Carlos Villalobos Insurance Agency Inc., you can ensure that your finances are covered – for a healthy and happy retirement. Annuities are essentially investments that guarantee a steady income stream. Based on your plan, you can receive money either on a set schedule or in a lump sum.

Types of Annuities

Carlos Villalobos Insurance Agency Inc. can offer two types of Annuities: Deferred and Immediate Annuities.

Deferred Annuities are investments that you make either over a period of time or all at once. Since these Annuities are tax-deferred, you only have to start paying taxes upon withdrawal. Deferred Annuities are either fixed or variable, meaning your payout is either a fixed sum or an amount in accordance to the performance of the market/group of investments.

Immediate Annuities are payments that you can receive right after you make your investment. This type of Annuity is typically for those around the retirement age who want to secure their financial future. Like Deferred Annuities, you only pay taxes upon withdrawal.

Understand Your Investments

An annuity is a long-term, tax-deferred investment designed for retirement. With an annuity, you can create a fixed or variable stream of income. The annuity’s value and growth will vary based on how the investments you choose to fund the annuity (underlying investments) perform.

Just like other types of investments, an annuity has limitations. If you take your money out early, you may have to pay fees called surrender charges. You’ll have to pay income tax on the withdrawal, and if you’re not yet 59½ years old, you may also have to pay a 10% tax penalty. If you do take an early withdrawal, it will reduce both the death benefit your beneficiaries receive and the cash value of the annuity.

An annuity is sold by an insurance company, and the annuity’s guarantees and protections are subject to that company’s ability to pay for them. However, this doesn’t apply to the underlying investments. The underlying investments are subject to market risk, so you could end up with less money than you invested.

An annuity is sold by prospectus, a document that describes the annuity’s objectives, risks, fees and charges. The cost of an annuity often includes mortality and expense charges, administrative fees, contract fees and the expense of the underlying investments. There are prospectuses for the annuity and the underlying investments that fund the annuity. It may take some time, but you should read the prospectuses carefully before investing.

It’s important to discuss your options with a specialist at Carlos Villalobos Insurance Agency Inc. who is committed to helping you make the right decisions.

Before investing, understand that annuities are not insured by the FDIC, NCUSIF or any other federal government agency, and are not deposits or obligations of, guaranteed by, or insured by the depository institution where offered or any of affiliates. Annuities that involve investment risk may lose value. Guarantees and protections are subject to the claims paying ability of the issuing insurance company.

Our Location

Carlos Villalobos Insurance Agency Inc.

25001 The Old Road
Santa Clarita, CA 91381
Main office: 661-255-8282
Toll free: 800-750-5552
Fax: 661-255-8786

Our Providers

Testimonials

As a licensed insurance sales director I've worked with hundreds of agents during the past 25 plus years. I can say without reservation, Carlos and his team are absolutely top shelf! In the simplest terms, efficiency coupled with courtesy.

Robert G.
The Carlos Villalobos team is always there when I need them. They are very kind and efficient.

John S.
The best insurance agency around! Anything you need assistance with they are on top of it. And they have your best interests in mind! We never have to worry about our insurance policies, which we have both personal and business with Carlos Villalobos Insurance Agency. Couldn't imagine being with any other company!

Nicholas H.
I have had the pleasure of having Carlos do all of my company's insurance plans since the day I opened ten years ago. Carlos and his staff have been one of the reasons for my success. I have found the rates to not only be competitive , but the best I could find with my due diligence. His staff is effective , polite , and most importantly to me , available , even on the weekends and after hours.

Stephen R.
We have been Carlos Villalobo's customers for more than 30 years. He has always provided as a professional and personalized service. We really recommend his Agency for your insurance needs.

Margarita R.