The Special Markets Division offers products through traditional direct response marketing methods and individual sales. Direct response distribution channels encompass solo mail, inserts and some telemarketing. Individual sales are developed through independent agents, generally affiliated with Third Party Administrators (TPAs) or Managing General Agents (MGAs).

FSL's well-established reputation in niche marketing spurred the creation of a diversified network of distributors and reinsurers which has resulted in a continual flow of service to well-defined market segments.