First Continental Life & Accident Insurance Company (dba FCL Dental) is one of the largest independent, full-service dental benefits providers. Founded in 1998 to deliver innovative and high-quality dental managed care products to employer groups and individuals, FCL Dental has developed a wide range of dental benefit plans, including health maintenance organization (“HMO”), preferred provider organization (“PPO”) and indemnity plan designs, to provide maximum flexibility to its commercial groups, health plan customers and nursing home facilities.