We are committed to helping families and businesses throughout Texas by providing affordable health and life solutions to protect their income and dreams.


We are focused on providing our clients peace of mind in knowing their families will be protected from the unexpected.

Client Bill of Rights

  • We will always tell the truth even if it is not what you want to hear.
  • We will give you the best information we can obtain when helping you to decide on a plan.
  • We will put your interests above all others.
  • We never charge for our services or advice.
  • We will communicate with you timely.
  • We welcome your feedback.

RF Insurance Masters is an independent broker specializing in Individual and Group Health, Dental, and Life Insurance. Our commitment to integrity and customer protection drives our approach. As an independent broker, we have the freedom to select and offer products that genuinely provide the finest coverage, products we wholeheartedly believe in.

At the core of our service is a dedication to understanding our customers' needs and expectations. We invest time in educating our clients about the diverse coverage options available to them. Through thoughtful conversations, we present various product options and guide them through a thorough review of coverages, ensuring they comprehend the nuances of each plan's design. A comprehensive overview of the Summary of Benefits is a crucial step in our process.

We recognize that every client is unique, and their concerns matter deeply to us. Whether it's securing coverage with a particular in-network doctor, addressing prescription costs, or meeting other specific requirements, we work diligently to find tailored solutions that align with their needs.

Above all, our customers' interests always take precedence. If a client possesses existing coverage, whether it's an individual, group, COBRA, or alternative plan, we meticulously review it. If their current coverage offers a more suitable solution, we advise them to retain it. Our mission is clear: to prioritize our customers' well-being, provide them with the best options, and ensure they receive comprehensive and personalized guidance throughout their insurance journey.

Our Team

Ray Freer (Owner/Agent/Broker)

Ray is the founder of RF Insurance Masters, established in 2009. With a genuine commitment to making a difference, Ray recognized the importance of being a reliable advocate for individuals and groups seeking health, dental, life insurance, and Medicare solutions. His mission is to provide personalized service that guides clients toward affordable insurance options. Ray's dedication is evident in his client-centered approach, placing their needs as the top priority. He goes beyond transactional interactions, investing time in educating and advising clients on the intricacies of coverage, ensuring they have a comprehensive understanding of their plan choices.

Office: (512) 807-9594
Mobile: (512) 565-7369

Ray Freer – Owner/Agent/Broker

Lorraine Stahursky – Agent / Office Manager

Lorraine brings a wealth of experience and expertise to her role as a licensed health insurance broker, dedicated to guiding our customers toward optimal coverage solutions. Her journey has been characterized by a commitment to growth and service. Armed with a secretarial degree from Butler Business School, Lorraine's career began with administrative support across various companies, honing her organizational skills.

Her pursuit of knowledge led her to the world of computer graphics, an arena she explored during her tenure at an advertising agency. This creative chapter continued in the graphics department of a renowned Connecticut newspaper, where her contributions enhanced visual communication.

Texas marked a new chapter, as Lorraine's creative spirit flourished in roles at Dell, a tech powerhouse known for innovation. Her journey then led her to the dynamic printing industry, where her talents have made a lasting impact.

Beyond her professional endeavors, Lorraine's commitment to learning shines. As a licensed health insurance broker, she's well-equipped to provide clients with tailored guidance in securing vital coverage. Her genuine interest in the insurance business is driven by a desire to ensure individuals and families obtain the protection they need to safeguard their well-being.

Lorraine's narrative embodies growth, adaptability, and a profound dedication to aiding others. Her diverse background underscores her capability to approach challenges with creativity and to connect with clients on a meaningful level.

Lorraine Stahursky
Office: (512) 807-9594
Mobile : (512) 944-0417

Lorraine Stahursky – Agent