A Smarter,
More Human
Approach.
Most online insurance platforms sacrifice savings for speed. At ORAM, we provide both by combining elite technology with human heart.
Consult With Us
Secure your best rates in minutes with our authorized carrier network.
Ongley R. Ocon ("Ray")
Founder & Principal Strategist
Pedigree &
Precision.
With over 35 years in the insurance industry, Ray has seen the market from every angle—Farmers, Allstate, AAA, and now as an independent market access specialist.
Education
Ph.D. Trinity College, M.S. USC, B.S. Notre Dame
Elite Training
Stanford Executive Certificate
Experience
35+ Years Across Top Carrier Brands
Our Tagline
Business With a Heart
National Strength.
Local Expertise.
ORAM Insurance Agency is proud to be a franchise of Freeway Insurance. This partnership allows us to deliver the personalized service of a local agency with the unbeatable resources of a national powerhouse.
Powered by Freeway
Serving Californians with Pride
National Backing
Powered by Freeway Insurance, the largest personal lines agency in the US.
Pricing Power
Leveraging massive scale to negotiate exclusive rates you won't find anywhere else.
Expanded Access
Immediate access to a vast network of 100+ national and regional carriers.
Trusted Authority
Individual agency care combined with the stability of a multi-billion dollar brand.
The O.R.A.M. Pillars
Efficiency. Strategy. Client-First Service.
Optimization
Fine-tuning every coverage detail to maximize value.
Results
Measurable savings in your bank account, every single year.
Access
Entry into hundreds of MGAs and carriers nationwide.
Market
Aggressive market analysis to secure the best rates.
Connect With a
Market Expert.
Stop settling for standard coverage. Let Ray and the ORAM team build you a strategy rooted in results and human care.
Real-Time Chat Available
Our agents are available for direct messaging during business hours to provide instant policy reviews.
Direct Expert Access
Secure your best rates in minutes with our authorized carrier network.