Florida Combined Life Insurance Company (FCL) was formed in May, 1988 as a subsidiary of Blue Cross and Blue Shield of Florida (BCBSF) to better serve the needs of Florida businesses by offering ancillary products as employers were becoming more aware of the importance of providing comprehensive insurance benefit packagers. With FCL's first products being group life and short-term disability, its product portfolio has expanded to include individual, group and voluntary life products; short-term and long-term disability; individual, group and voluntary dental products; pre-tax programs (FSA/HRA); and long-term care.