Confused about which insurance you need?

We'll help you navigate the various options and choose a plan that's best for you


Welcome to RF Insurance Masters, we are located in Austin, Texas but our customers are throughout Texas.

We are licensed insurance brokers appointed with over 40 “A” rated insurance companies that have been in business for 75-years or more. Being a broker we can find our customers competitive product offerings for their specific health, dental,  life, Medicare Supplements, long term care, supplemental coverages and annuities needs.

Let our experience guide you through our product offerings.


-Ray Freer, Owner/Agent/Broker 

Ray Freer has been our insurance representative for two years. Right from the very beginning we felt comfortable with Ray handling our insurance needs. He talked with us and got to know us. My husband and I are small business owners so cost is a concern to us. Ray gave us several options and explained the policies thoroughly. He helped us during the application process always going the extra mile.

We would say that customer service is Ray's number one goal. He always answers and returns phone calls and e-mails. He is always prompt and follows through when he tells you he is going to send information. Ray has considerable knowledge about the policies he represents. We chose a health insurance policy with a larger deductible and keeping our interests in mind, Ray reviewed an accident policy with us. I am so glad he had taken the time to get to know us and suggested this policy. I had an accident three weeks ago and this policy is going to save us about $7,500.

When you become Ray's customer, it isn't the end of your relationship, it is the beginning.

Dave & Theresa Rupp, The Woodlands, TX
River Oaks Custom Homes, Inc.

Life Insurance

We help families build a protection plan using life insurance.  Life insurance helps maintain your financial stability through difficult changes.  We help client understand their options and help them find the best carriers that will support their needs. 

We ensure you understand the coverage and we support you through the process and are there for you should you have any questions.

Health Insurance

We are a broker with individual and group health insurance.  We help clients navigate the the Affordable Care Act health insurance needs.  We can assist with the helping enroll you in health insurance marketplace plans with subsidies and off the exchange direct with individual insurance carriers. 

There is never any extra charge for working with an insurance broker.  We work for you to help you find the best plan for your needs.  We are there to support you throughout you coverage under that policy should you have questions or issues.

Medicare Supplements

We help our clients understand Medicare Supplements and help them find the best option for their needs.  We have many carriers to choose from and we educate to ensure you understand the best plan for your needs.   

We are always here to support you before and after your policy is in force.  You are never alone.

Ready to find out more?

Drop us a line today for a free quote!

Ray Freer of RF Insurance Masters is our go to person when it comes to individual and group health and dental. He has a unique strategy to help his customers keep as much money in their pocket as possible while adequately providing options. He works hard for his clients and it shows every time. We own a Property and Casualty agency and we're very cautious as to who we use for supporting business, Ray is someone who has never let us down.

Shelley & Matt Gerhardt
Southwest Independent Insurance

Dental Insurance

We have many individual dental insurance plans to choose from to help protect your teeth.  We have full group like dental plans and even down to discount dental plans.  

We have some dental plans that waive the waiting period if you are coming off a group dental.   We help ensure you understand your plan benefits.

Travel Insurance

If you are going on a trip out of the country, it is always good to ensure you do not have large out of pocket expenses for medical while you are traveling.  We have a large selection of choices to protect you and your family while traveling. 

We help you find the best solution for your trip.

Supplemental Coverage

We have accidental and critical illness coverage that we use to help protect our clients from having to pay the large deductible on your health insurance coverage. 

We have a few carriers we can share with you on how affordable these supplemental plans are and a unique way to help protect you from today's high deductible health plans.

More Testimonials

It’s really nice to know I don’t have to worry about the insurance aspect of my life. Ray takes really good care of me and it’s obvious that he not only cares about each of his clients but he’s quite knowledgeable. He’s gone above and beyond for me to meet a deadline or make sure I’m completely happy with my choices and he will always have my highest recommendation. Wish I’d met him sooner.

Tina C. -Austin, TX

Ray Freer is my Medicare advantage agent and I recommend him highly. He’s polite, considerate and understanding and is able to explain the policies he endorses very well. I was very much a “hard sell” as I had some preconceived ideas from the previous year and it took a little work for him to get me to even talk to him about it. I’m glad I did though because everything he said was right and I’m very pleased with the decision we came to together. Customers would do well to let Ray represent them.

Tina Cavanaugh, Austin, TX

Paul LightThanks to Ray's friendly and customer-focused interest without fees, my entire family was able to get medical insurance in one meeting! Thanks again, Ray.

Paul Light

Ray Freer was able to find my son an affordable health care policy that far exceeded what we thought he could get. Ray came up with an option that perfectly fit the need my son had and saved him several hundred dollars a year that he would have had to pay being added to his wife's policy at work. As a parent it gave me a lot of peace of mind knowing that they were financially protected if there was a catastrophic medical emergency and that he could also get into see a doctor without having to dip into their savings. Ray, at RF Insurance Masters, is someone I can honestly and confidently recommend to my friends and family.

Billy Braxdale, Cedar Park, Texas
Braxdale Travel

Why use an Insurance Broker?

A broker is independent licensed insurance agent that has multiple appointments and expertise to help you navigate the products you are considering. 
A broker can bring the product knowledge and experience to help you select, review and understand the products you are considering.  The broker can support you should you have any questions, concerns or issues with your coverage. 
Using a broker does not increase your premium, so there is no cost to use a broker.

Ready to find out more?