Beginning in Oxford, Mississippi, Ray worked for R.L. Brown Insurance Agency, A family run agency since 1948 specializing in Personal & Commercial lines. The time there was integral, and he could not be more thankful to have been a part of their team to start his career in the insurance business.
At Howard Insurance, we strive to find tailored insurance solutions for our clients. We embrace the ever-changing nature of our work and consider it an honor to operate within this realm. We look forward to the opportunity to assist our clients in meeting their unique insurance needs.
A West Tennessee native, growing up in Humboldt, He graduated the University of Mississippi. Ray enjoys playing golf, hunting, and spending time with friends & family. He attends Independent Presbyterian Church in Memphis.