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AJ Barragan & Associates

Our Agency

For 30 years, Golden Memorial Insurance and Lincoln Heritage Life Insurance Company have worked together to become the nation's leading Final Expense Agency. This legacy started with the dream of our Founder Ray Barragan Sr. and has continued to succeed through the hard work and dedication of his children, JR Barragan, Ann Marie Barragan, and Andrew Barragan. Together, we provide impeccable customer service, and we are devoted to serving you and our many valued customers.

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AJ Barragan & Associates 

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Top 10

Andrew Barragan had 3 agents in the top 10 of Golden Memorial for 2020. He had 30% of the top agents and wrote over 300,000 in annualized premiums for the year.


Our Founder

Ray Barragan

Ray was born in Los Angeles, California on July 17, 1936. Both of Ray’s parents, Narciso and Luz Barragan, were Mexican and therefore, Ray was raised within a proud Mexican-American tradition. Hard work, commitment to family and connection to community were all values that shaped Ray and would guide his ventures in the business world. After graduating from King City High School, Ray served his country as a soldier in the United States Army for 3 years. After his military service, Ray moved to Gilroy where he worked as a painter for the Ford Motor Company for 2 years and then worked at a local garlic plant, Gilroy Foods. He would also meet the love of his life, Mary Ann Ceballos. They would get married in 1961 and go on to have 3 children, Ann Marie, Ray Jr., and Andrew. It was his dedication to his family and the humility of working side-by-side with his fellow community members, which formed Ray’s foundation as he began working in the insurance industry.
It was Ray’s ability to meaningfully connect with people, which caught the eye of Friday Aguilera, a local insurance agent and uncle to Mary Ann. Ray started as a debit agent at United Insurance, where he would spend the next 8 years. Ray quickly became a top producer in the final expense business. However, Ray knew that despite his rising reputation, the true key to success was creating a legacy and path for others to follow.
Accordingly he recruited his son, Ray Jr., into the industry and shortly after in 1986, the two of them signed contracts with Mr. Jack Londen, President of Lincoln Heritage Life Insurance. Yet even his rising reputation would never cause Ray to become complacent. Ready to expand his vision to a new realm, Ray recruited Earl Leingang, Dennis Charvez, and John Arballo and started the Golden State Agency. The agency started producing a humble $20,000 in annualized premium per month. It’s impossible to know whether Ray and the founders of Golden Memorial Insurance could have predicted that it would become the top producing agency nation-wide producing over $130 million over the next 23 years. But how did Ray Barragan go from being a painter in an automobile factory to the founder of one of the most successful insurance agencies in the country? To put it simply: He never forgot where he came from.
Ray believed it was important to make the Golden Memorial Plan more accessible. Under Ray’s leadership, Golden Memorial Insurance publishes literature, policies and commercials in both English and Spanish. A move that not only opened the agency up to a previously under-served community, but more importantly, helped improve the lives of people. And his enthusiasm to improve people’s lives did not stop with those he served: it also included those he worked with.
Ray knew the success of the agency did not depend on this charismatic leadership alone: rather it depended on supporting and empowering his agents to become leaders themselves. Including his daughter, Ann Marie, who joined the final expense business in 1992 and Andrew who soon followed in 1993.

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