Welcome to Zimmerman & Ray Insurance Services

Opening Hours : Monday to Saturday - 8am to 6pm   Contact : (916) 746-7888

Have a health issue?

We specialize in finding coverage for people with these conditions:


Blood Pressure

Heart Disease

Sleep Apnea






Organ Transplant


Products & Services

Are you worried about your future or your loved ones when you are no longer around? Well, set your mind at ease - with our insurance products, you can choose the best plan to cover your family and yourself!

Life Insurance

Life insurance can help manage the risk of financial loss by replacing income, protecting assets, and playing a key role in estate planning.

Read more

Long-Term Care Solutions

Discover life insurance that can give you options. Use it during your lifetime to help pay for care in your home, care in a facility, or other long-term care services.

Read more


Annuities are investment products that may be used to help you increase savings, protect your savings, or generate a stream of income.

Read more

Disability Insurance

If you’re unable to work due to a sickness or injury, disability insurance can help you meet expenses and maintain your standard of living.

Read more

About us

With over 25 years of experience in the industry, Zimmerman & Ray Associates brings you insurance products for Life, Disability, Annuity and Long Term Care from a wide range of providers. We’ve helped individuals, couples and families in Roseville, Rocklin and Granite Bay discover the perfect match for their insurance needs and would love to help you too. Using economic models that show you the value of each product, and take your personal needs into account, we advise you on the best options available to you. When you contact us for an insurance product, we’ll work with you every step of the way to make sure you are covered!

Get in touch with us if you’d like to:

  • Learn how to create wealth with no new money spent out of your pocket, and a guaranteed income for life
  • Learn how to have an additional 3-5K a month post-retirement with little to no investment
  • Learn which plan or policy is best-suited to meet your present and future financial needs
  • Learn how to protect your family’s financial stability in case you are hurt, sick or dead


Lawrence Kennedy

“My daughter told me about this company and I finally decided to give them a call. I really like the fact that they help with real estate planning and have knowledgeable staff available to take your call. This is definitely what I needed. I’ve had several insurance policies and this is easily the best one yet!”

Lawrence Kennedy

Tracey Bell-Santana

“Love, love, love this company! My husband and I signed up for disability insurance a few months ago and we decided to add life insurance to our policy this past week. Great experience both times and the customer services is really outstanding. I will definitely be referring them to all of my friends and family. ”

Tracey Bell-Santana

Terrance Walton

“After my previous insurance ended I decided to find a different provider and this was my first choice. Very happy with the service and now I can go to sleep with peace of mind. They certainly took a huge burden off my shoulders. I would highly recommend to anyone in need of reliable life insurance.”

Terrance Walton

Jason Kline

“I’m self employed and this was my first time getting disability insurance. Honestly, I didn’t know what to expect at first, but luckily the staff walked me through the entire process from beginning to end. I never felt confused or uncertain about any of the insurance options, which was really comforting. Very satisfied customer here.”

Jason Kline

Martha Franz

“Finding the right insurance provider has always been a huge struggle for me because I want the best coverage at the best rate. This is one of the only insurance providers that have both and they have excellent customer support too! I plan on adding disability insurance next month and I’ve already referred my friends at work.”

Martha Franz

Karyn Thomas

“Great experience! This was one of the first insurance companies I called and I immediately knew I made the right decision. They walked me through all of the different life insurance options I had and never tried to sell me anything I didn’t need. Very professional and helpful service! Exactly what I was looking for. ”

Karyn Thomas

Our Insurance Partner Companies

Mass Mutual
Principal Financial Group
Penn Mutual
Ohio National

Get your personalized insurance policy today.

Contact Us Now