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Ray Garfinkel, LUTCFwww.raygarfinkel.com

Ray Garfinkel
Main Office
Street Address:

3311 West Broad Street

Suite 201

Richmond, VA 23230-2040

Mailing Address:

3311 W Broad St Ste 201

Richmond, VA 23230-5000

MapDirections

Phone: (804) 288-5470

Fax: (804) 288-0121

Office Hours:

Mon. - Thurs. 9 to 5:30 pm

Friday 9 to 5 pm

Sat. & Evenings by Appt.

About Me
Our Mission

My background and achievements

  • Virginia Tech - BS in Finance and Marketing Mgt
  • University of Richmond, MBA
  • Life Underwriter Training Council Fellow (LUTCF)
  • Past President Temple Brith Achim
  • State Farm Agent since 1987
  • Ambassador Travel Qualifier
  • Silver Scroll Qualifier
  • Over 45 years combined insurance experience
Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
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I understand the needs of a business owner like you. Together we can help protect your business and plan a roadmap for your financial future.
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State Farm Videos
Did You Know?
Safer Cars, Lower Rates. Car Shopping Soon?

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

Could you afford long-term care expenses?

Home health aides average $18.50/hour1, and nursing home costs average $203/day2. How long could you pay for these expenses before spending all of your savings?
1 National Statistic: Genworth Cost of Care Survey, conducted by CareScout®, April 2009.
2 National Statistic: Based on rates for a private nursing home room. Genworth Cost of Care Survey, conducted by CareScout®, April 2009.

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Helpful Info


  • State Farm Bank®, Bloomington, Illinois, Member FDIC and Equal Housing Lender. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. Contact State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265).
  • Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.
  • Before investing, consider the funds' investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP 2012/01/0006
  • State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.
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