First Continental Life and Accident Insurance Company(Texas); Overview, Contacts, Claims, Services, Ratings, Benefits

First Continental Life and Accident Insurance Company has become well-known for providing a variety of insurance choices. This article aims to give you a complete look at the company, including its history, the different types of insurance it offers, how much they cost, and other important details.

First Continental Life and Accident Insurance Company

Introduction to First Continental Life and Accident Insurance Company

It was founded in 1998 and is one of the largest dental benefits providers in the United States. It offers different dental plans like HMO, PPO, and indemnity plans. FCL Dental is known for giving high-quality and affordable dental care to its members.

This Dental insurance company is based in Sugar Land, Texas, and has more than 1,000 employees. They help over 1 million members in 20 states, giving them access to good dental care and great customer service.

A Brief History

A group of dental experts started FCL Dental in 1998. They wanted to give top-notch, affordable dental care. The company grew fast and spread to many states. In 2007, FCL Dental was bought by FCL Holdco, Inc., which also owns First Continental Life Insurance Company.

Contact Details of First Continental Life and Accident Insurance Company

For those interested in reaching out to First Continental, the company can be contacted at the following address:

Category Details
Corporate Headquarters Address FCL Dental
101 Parklane Boulevard, Suite 301
Sugar Land, TX, 77478
Telephone Numbers 1-866-481-9473 – Hours of Operation: 8 a.m. to 5 p.m. Central Standard Time
1-866-436-3093 (Commercial) – Hours of Operation: 8 a.m. to 5 p.m. Central Standard Time
1-866-803-1672 (MA) – Hours of Operation: 8 a.m. to 5 p.m. Central Standard Time
1-866-912-7131 – Hours of Operation: 8 a.m. to 5 p.m. Central Standard Time
1-866-202-5898 – Available 24/7
Website FCL Dental Website

Services and Products

FCL Dental is a company that gives dental benefits. They offer different dental plans to people, families, and employers.

Their plans are made to be cheap and flexible. They cover things like keeping your teeth healthy, all sorts of dental care, and access to a group of dentists.

First Continental Life and Accident Insurance Company

Premium Costs

The cost of FCL’s insurance depends on what type you want, how much coverage you need, your age, your health, and where you live.

For example, if you’re a 40-year-old non-smoker in Texas and want a $100,000 life insurance, it could cost you about $12.83 each month. To know the exact price for you, call 1-800-595-2948 or visit their website.

Payment Options

There are several options for making payments to FCL, including credit cards, debit cards, bank transfers, checks, or money orders.

You can select your payment frequency, whether it’s monthly, every three months, every six months, or annually. Additionally, you can establish automatic payments to ensure you don’t forget to make a payment.


FCL offers discounts to help you save money on your insurance. They have discounts for having more than one policy, being in the same family, staying with them for a long time, being healthy, and choosing certain doctors.

The discounts might be different depending on where you live and what you’re getting. Just ask their customer service or your agent for more info.


Sometimes, FCL has special offers to get new customers or thank the ones they have. They might give you a free month, a gift card, or a lower price for a short time.

Process of Filling Claims with First Continental Life and Accident Insurance Company

1. Contact FCL Dental

2. Gather Necessary Documents

  • Before you begin, make sure you have all the required documents on hand. These may include medical or dental bills, receipts, invoices, or any records related to your treatment or services.

3. Complete Claim Forms

  • FCL Dental typically provides specific claim forms for you to use. You can usually obtain these forms from their website or by contacting their customer service. Ensure you fill them out completely and accurately, providing all the information requested.

4. Submit Your Claim

  • After completing the forms and collecting your documents, submit your claim to FCL Dental. You can do this online through their website or by sending the paperwork to their designated address. Follow their instructions closely.

5. Await Review

6. Check the Decision

  • FCL will assess your claim and decide on its approval or denial. You will be informed of their decision. If it is approved, they will specify the amount you will receive.

7. Receive Payment or Benefits

  • When your claim is approved, you will receive payment or benefits by your policy terms. The method and timing of payment will be detailed in the approval notice.

8. Consider an Appeal (if necessary)

  • If your claim is denied, and you believe it should have been approved, you often have the option to appeal the decision. Follow the appeal process outlined by FCL Dental, typically found in the denial notification.

9. Maintain Records

  • Throughout the process, it is essential to retain copies of documents, emails, and records related to your claim. This documentation will be helpful if you need to refer back to any information or contest a decision.

Remember, the steps and requirements might change based on your policy and claim type. Always read your policy and follow its rules when filing a claim. If you’re not sure, ask their customer service for help.

First Continental Life and Accident Insurance Company


  • A+ from the Better Business Bureau (BBB)
  • 4.8 out of 5 stars on Google Reviews
  • 4.8 out of 5 stars on Trustpilot


Customers like FCL Dental for its customer service, affordability, and network of providers.

Some examples of customer reviews:

  • “I’ve been with FCL Dental for over 5 years. Their customer service is great. They answer my questions fast.”
  • “FCL Dental’s plans are affordable. I found a plan that fits my budget.”
  • “I have dental anxiety, but I trust FCL Dental’s dentists.”


There are a few complaints too:

  • Trouble getting claims approved
  • Issues with customer service
  • Limited network of providers
  1. Wide Network of Dentists: FCL Dental has over 40,000 dentists all over the United States. This means you can find dental care wherever you live.
  2. Stay Informed: FCL Dental gives you the latest info about dental care. They provide articles, brochures, and webinars online to help you make smart choices about your dental health.
  3. Affordable Plans: FCL Dental has plans for every budget. They are designed to be cheap and flexible, and they cover preventive care, full dental services, and access to lots of dentists.
  4. Different Plans: FCL Dental has plans for individuals, families, and businesses. They include HMO, PPO, and indemnity plans, and plans for kids, adults, and older citizens.
  5. Great Customer Service: FCL Dental cares about its members. They have a team of customer service reps who can answer your questions, fix problems, and help you out.
  6. Peace of Mind: Dental insurance means you don’t need to worry. You’ll be able to afford the dental care you need when you need it.
  7. Preventive Care: FCL Dental covers things like cleanings and check-ups. This helps you prevent dental issues and save money in the long run.
  8. Full Dental Services: FCL Dental’s plans cover lots of dental services, like fillings, crowns, and root canals. So you’re protected from many dental problems.
  9. Specialists: FCL Dental’s plans let you see specialists like orthodontists and oral surgeons. This is important for more complex dental issues.


1. How can I request a quote from First Continental?

2. What types of insurance does First Continental offer?

  • First Continental provides life insurance, accident insurance, health insurance, and more.

3. Can I change my payment frequency from monthly to annual, or vice versa?

  • Yes, you can change your payment frequency at your convenience.

4. What discounts are available for policyholders?

  • Discounts may vary but commonly include multi-policy discounts and special promotions.

5. How long does it take to process an insurance claim with First Continental?

  • The time it takes to process a claim can vary depending on the type of claim and its complexity.


First Continental Life and Accident Insurance Company is a trusted name in the insurance industry, known for its comprehensive offerings and customer-centric approach.

Whether you seek life insurance, accident coverage, or other insurance products, First Continental firmly commits to protecting your financial well-being.

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