Memphis, TN  ·  Free Medicare Consultations  ·  Call (901) 468-7300
Medicare & Insurance Guidance

Your golden years deserve to stay golden.

FSS Insurance Group helps individuals and families navigate Medicare Advantage, Supplements, Part D, life and health coverage — with empathy, integrity, and personalized guidance, one community at a time.

Free, no-obligation Medicare consultations
Local advisor based in Memphis, Tennessee
Independent — we shop the market for you

"We're here to help guide and ensure your golden years stay golden — serving each and every community one day at a time."

— The FSS Insurance Group Mission

7+
Coverage Lines
$0
Consultation Fee
Local
Memphis-Based
All
Year Enrollment
What We Offer

Coverage Built Around You

From Medicare to life and supplemental insurance — tailored, simplified, and explained in plain English.

Medicare Advantage and Supplement plans
Service One

Medicare Plans

Medicare Advantage (Part C), Medicare Supplement (Medigap), and a side-by-side comparison so you know which plan fits your situation.

Explore Medicare
Prescription drug coverage and supplemental insurance
Service Two

Drug & Supplemental

Prescription Drug Coverage (Part D), Hospital Indemnity, Cancer / Heart Attack / Stroke supplemental policies to fill the gaps.

Explore Supplements
Life and health insurance coverage
Service Three

Life & Health

Life insurance to protect your loved ones, plus ACA health insurance for individuals and families under 65 who aren't yet on Medicare.

Explore Life & Health
Our Process

Simple. Personal. Honest.

No high-pressure tactics, just genuine guidance built around your specific needs and situation.

i

Connect

Call, text, or schedule online. We start with a complimentary conversation about what you actually need.

ii

Compare

We shop multiple carriers, review your prescriptions and doctors, and present clear side-by-side comparisons.

iii

Enroll & Support

Complete enrollment with confidence. We stay with you for ongoing renewals, claims help, and questions.

Our Standard

Why Families Choose FSS

Three principles that shape every conversation and every recommendation.

Integrity First

Every recommendation comes from what's actually best for you — not what pays the highest commission. We tell you the truth, even when it's not the easy answer.

Empathy & Care

Insurance is personal. We slow down, listen carefully, and walk you through every option until it makes sense — no jargon, no rush.

Community Roots

We're proud Memphis locals, serving each community one day at a time. When you call FSS, you reach real people who know your neighborhood.

A Brighter Tomorrow

Security, confidence, and a brighter future.

Empowering individuals and families through insurance solutions designed around real life — not the fine print.

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Client Stories

What Our Clients Say

Real feedback from individuals and families guided by FSS Insurance Group.

★★★★★

I can't recommend Fred and FSS Insurance Group enough. Fred has hosted many Medicare 101 seminars at our senior living community and has helped hundreds of people better understand their insurance options. He's incredibly informative, intentional, and genuinely kind...

Taylor S.

Google Review

★★★★★

Fred was incredibly helpful in guiding my mom and dad, who are both veterans on Tricare, through coordinating their benefits with Medicare. It was a huge relief to have someone knowledgeable and patient walk them through the process. Highly recommend!

Grayland Fredericks

Google Review

★★★★★

Fredrick was so informative & patient in helping coordinate my parent's Tricare benefits via Medicare. He was very detailed and it was an effortlessly comfortable experience. Professionalism was top tier. Thank you again for your wonderful service.

Tristan Oliver

Google Review

FAQ

Frequently Asked Questions

No. Consultations are always free, with no obligation. As an independent broker, FSS Insurance Group is paid by the carriers when you enroll — not by you.
Medicare Advantage (Part C) replaces Original Medicare with a bundled plan from a private insurer, often including drug coverage and extras. Medicare Supplements (Medigap) work alongside Original Medicare to cover out-of-pocket costs like copays and deductibles. We'll review both with you and explain which structure fits your situation.
Yes — provider network verification is built into our process. Before we recommend any plan, we confirm your preferred doctors, specialists, and hospitals participate in the network.
Absolutely. We review your current medication list and find the Part D or Medicare Advantage plan that covers your drugs at the lowest total cost. Many clients save significantly just by switching to the right Part D plan.
Our specialty is Medicare for those 65+ and approaching 65, but we also serve individuals and families under 65 with ACA health insurance, life insurance, and supplemental plans.
No. FSS Insurance Group is an independent insurance brokerage. We are not affiliated with or endorsed by any government agency including Medicare. We help you navigate your options privately, with no government endorsement implied.

Let's keep your golden years golden.

Schedule your free consultation with FSS Insurance Group. We'll handle the complexity so you can focus on what matters.

Schedule a Consultation