Ray Frazer

September is Life Insurance Awareness Month—a perfect time to reflect on protecting what matters most to you and your loved ones. As the season changes and we prepare for fall, it’s an ideal moment to review your life insurance coverage and ensure your family’s financial security is in place. Whether you’re considering new life insurance options or reviewing your existing policies, our office is here to guide you every step of the way.

We encourage you to stop by or call our office in Mercersburg, PA for a FREE policy review. We can ensure that your coverage reflects any changes, help you identify potential discounts you might qualify for, and discuss any new products or updates that could better serve your needs in the year ahead. We look forward to serving you!

Hello! I'm Ray Frazer and I am proud to serve the community, as your local State Farm Agent. We serve the entire State of Pennsylvania! Locally, we serve the towns of Mercersburg, McConnellsburg, Greencastle, St. Thomas, Cove Gap, Fort Loudon, Harrisonville, Needmore, Big Cove Tannery, Shade Gap, Chambersburg, and the surrounding areas. We offer a full suite of products and services including Car/Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Life Insurance, Commercial/Business Insurance and so much more!

If you're in the South-Central PA area, it's a great time to get a Personal Price Plan for your auto, homeowners, life, and commercial needs. Some fun facts about me, I'm a Franklin County Native - born and raised in Chambersburg, PA. Prior to becoming an agent, I graduated from Chambersburg Area Senior High School and obtained my Bachelor's and Master's Degree in Business Administration from Saint Francis University in Loretto, PA. I love spending time with my wife Kelly, son Micah, and two rescue dogs, Cudi and Remi.

I am dedicated to helping my neighbors protect their assets and achieve their financial goals! I take pride in being a reliable resource for insurance coverage and ensuring that our customers have the coverage they need to protect against the risks of everyday life. Not only can we help with home, renter's, condo, life, health, auto, motorcycle, travel trailer, motorhome and financial services but we are also able to assist small business owners with their commercial lines of insurance. Call, email, or stop by the office today for a free Personal Price Plan!