Welcome to Bray Insurance

Scott Bray has been a licensed insurance agent since 1989, and a Certified Financial Planner™ and a licensed California Real Estate Salesperson since 1992. Scott also graduated from UCSC in 1976 with a Bachelor of Arts Degree in Biology. As an independent agent, Bray Insurance represents dozens of companies with the singular objective of “doing the right thing for the client”.

We are specialists in Seniors’ Insurance, including Long Term Care Insurance and Medicare Supplements. We also have extensive experience in protecting individuals, families and business owners with Individual and Group Health Insurance, Employee Benefits, Life Insurance, Annuities, Disability Income Insurance, Retirement Planning, and Business Insurance. A California native, Scott has been living on the Monterey Peninsula since 1963. Scott works with his wife Ann, also a licensed insurance agent.

We provide insurance and financial services across California, including:

• Carmel, Carmel-by-the-Sea, Carmel Valley, Marina, Monterey, Pacific Grove, Pebble Beach, Salinas, and Seaside.