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 that specializes in Individual and Group Health, Dental, and Life Insurance.  Being a broker, we can offer you products that will offer the best coverage.  We do not sell products we do not believe in that will protect our customers.

We listen to our customers to understand their expectations in their coverage.  We spend time educating our customers on the types of coverage.  We will share some product options with them and help them review the coverages, so they understand the plan's design.  We review the Summary of Benefits with each customer.

Specific concerns for clients we work with you to help find the solution for you.  If it is a particular doctor in-network, prescription cost, or any other requirements we see how we can accomplish this with a product.

We always will put the customer's interests first.  We can help review their current coverage (individual, group, COBRA, or other coverage).  If your current coverage offers a better solution, we let you know that you should stick with your current coverage.

Our Team

Ray Freer (Owner/Agent/Broker)

Ray has started RF Insurance Masters 2009 because he felt a need to help and be a trusted adviser for people on individual and group health dental insurance, life insurance, Medicare Supplement/Medicare Advantage needs through personalized service to help them find affordable solutions. Helping his customers to find affordable options is his goal.  Ray cares about his clients and ensures we have their interests put first.  Ray spends time educating and advising the client on the various aspects of coverage to ensure they understand the plan options clearly.

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

Ray Freer – Owner/Agent/Broker

Lorraine Stahursky – Agent / Office Manager

Studied at Butler Business School and received a secretarial degree. Provided administrative assistance to several companies before becoming involved in learning computer graphics at an advertising agency where she worked for several years. She then worked in the graphics department at a popular newspaper in Connecticut before moving to Texas. Here in Texas, her work includes creative services and design at Dell and most recently in the printing industry. She is interested in learning everything she can about the insurance business and helping others get the coverage they need to protect themselves and their family.

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

Lorraine Stahursky – Office Manager