FSL's agency roots served to establish significant corporate expertise in medical insurance. As middle-sized and smaller employers began to seek alternatives to rising costs with traditional coverage, FSL established the Self Funded/Employer Sponsored Group division. The unit was formed in 1985 and rapid growth followed.  

Escalating costs for traditional medical insurance have underscored the need and reinforced the demand for self funding.

Through the years, FSL has maintained a presence in the self funding market in spite of radical swings in reinsurance capacity and the rising costs of medical care. FSL program managers have learned to withstand these swings by not giving in to the temptation of high volume and marginal profitability, but instead working with proven MGUs in a non-overlapping geographic strategy. This has been a sound focus for growth and one that will continue.