FSL, born of agent roots, understands unique, niche needs. Our stock in trade is the flexibility and responsiveness needed to be successful in this market, and we are unhampered by big company bureaucracy and habits. All of this puts us in the perfect position to excel in Joint Ventures.

The Joint Venture division offers life and health products through individual sales channels; on a limited basis, direct response is utilized in the form of print media. Although products and distribution resemble those employed by the Special Markets Division, the business platform is different. A Joint Venture relationship typically involves the collaboration of:

• a Managing General Agent (MGA) or Third Party Administrator (TPA)
• a reinsurance facility
• FSL 

By blending the expertise of all three, products — often with individual specifications — are developed for niche markets.