About FSS Insurance Group

Helping families protect what matters most.

A locally rooted Medicare and insurance advisory built around honesty, empathy, and personalized guidance — one community at a time.

Meet the Owner

Fredrick Sanders

Licensed Medicare Agent · Owner

Fredrick has worked in insurance, Medicare, and senior health products since 2005 — over 20 years guiding clients through one of the most confusing decisions of their lives. In June 2018, he transitioned to independent broker status to build his own agency, putting clients first and free from the pressures of captive sales.

His focus is helping Baby Boomers navigate Medicare enrollment, coverage decisions, and the annual review process — turning what feels overwhelming into something painless and easy to understand. Licensed in all 50 states, Fred takes the time to do what's genuinely best for each client.

"My goal is to help each of my clients to enjoy their Golden Years with Medicare peace of mind."

Our Story

Built on trust, guided by service.

FSS Insurance Group was founded with one simple belief: insurance should feel personal. Too many people get pushed into plans that don't fit their lives — rushed through paperwork, talked over with jargon, and left to figure out the rest on their own.

That's not how we work. We slow down, we listen, and we walk you through every option until it actually makes sense. Whether you're approaching Medicare, helping a parent enroll, or shopping for life and health coverage, we're here to guide you with empathy and integrity.

Our roots are in Memphis, but our care reaches every client we serve. We treat each person like a neighbor — because most of them are.

— The FSS Insurance Group Team

Our Standard

What We Stand For

Four principles that shape every conversation, every recommendation, and every relationship.

Integrity

Honest advice, even when it's not the easy answer. We recommend what's best for you — not what pays best.

Empathy

We listen first. Insurance is personal, and our job is to understand your life before we recommend a plan.

Community

Serving each and every community one day at a time. We're proud Memphis locals, here to help our neighbors.

Clarity

Simplifying the complex. We translate insurance into plain English so you can make confident, informed decisions.

Our Approach

Empowering you toward a brighter future.

We believe insurance isn't just paperwork — it's security, confidence, and peace of mind for the people you love. That's why every recommendation we make is built around your specific situation, not a generic checklist.

Here's what working with FSS looks like:

One trusted advisor — not a call center
Plans matched to your doctors, prescriptions & budget
Free annual reviews to keep you on the right plan
Ongoing support for billing, claims & renewals