Do You Need Help Choosing An Insurance Plan?

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

Navigating the world of insurance can be daunting, but RF Insurance Masters is here to provide you with clear guidance. Think of us as your compass, helping you navigate through the complexity of options to find the perfect plan that suits your unique circumstances.

Welcome to RF Insurance Masters, your reliable partner located in Austin, Texas, serving clients across the entire state. Our role as licensed insurance brokers allows us to represent over 40 esteemed insurance companies, all with "A" ratings, and each with a legacy of trust. This means we have the expertise to source competitive products customized to your needs, spanning health, dental, life, Medicare Supplements, long-term care, supplemental coverage, and annuities.

With our wealth of experience guiding you, you can confidently explore our range of product offerings, each meticulously designed to provide you with the protection you deserve. At RF Insurance Masters, we're here to illuminate the path to the insurance solutions that best match your needs and bring you peace of mind.

-Ray Freer, Owner/Agent/Broker 


Medicare Plan Disclaimer : We do not offer every Medicare plan available in your area. Currently we represent 10 organizations which offer 48 products in your area. Please contact, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.

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

Health Insurance for Individuals and Groups

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

There is never an 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 your coverage with that policy should you have questions or if issues arise.

**If you are a Small Business Owner, please talk to us about your Group Health Insurance options even if you are a single-owner business!

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.

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.

Need Help Picking Out Insurance? Get In Touch With Us Today!

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.

Ready to find out more?

Drop us a line today for a free quote!

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

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

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

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.

Free Broker Assisted Personalized Quote

Please fill out the form below and RF Insurance Masters will contact you to prepare a custom insurance quote that will meet your requirements within one day.  RF Insurance Masters are licensed insurance brokers and are appointed with many “A” rated insurance companies. This allows RF Insurance Masters to find a plan that will meet your needs and budget. RF Insurance Masters can give you the guidance you need to find the best plan for your situation. We care about our customers.  Do not go it alone, let us assist you to get your protection in place.
Medicare Plan Disclaimer : We do not offer every Medicare plan available in your area. Currently we represent 10 organizations which offer 48 products in your area. Please contact, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.

NOTE: Please feel free to give us a call and we can get the information from you personally at (512) 807-9594 . Talk with us now and get some advice for your particular situation.

Your Information Will Not Be Sold and Will Remain Confidential. Only Our Agency will contact you.

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Call Us (512) 807-9594