fmservice.com
What is fmservice.com
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fmservice.com is the online service portal operated by Franklin Madison. It allows users to log in, view their insurance coverage details, pay premiums (one-time or recurring), and in many cases manage insurance claims or policy information. (regionalfcu.org)
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Franklin Madison works as a third-party administrator for supplemental insurance products offered via banks, credit unions, or affinity partners. The company provides insurance solutions, billing, and customer-service support for carriers. (Franklin Madison)
In short: if you see an insurance plan coming from a financial institution like a credit union, and the billing or policy-management is done online via fmservice.com — that’s Franklin Madison handling it behind the scenes.
What services are offered via the portal
Through fmservice.com, policyholders typically can:
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View their coverage details — e.g. the type of insurance (often Accident, Death & Dismemberment [AD&D], Hospital Accident Protection, etc.) and terms. (hughesfcu.org)
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Make premium payments — recurring or one-time — using credit/debit card or bank information. (fmservice.com)
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Initiate claims or begin the claims-management process (depending on the plan). (regionalfcu.org)
As such, fmservice.com serves as a “self-service” portal: a centralized interface for people insured under Franklin Madison-managed plans.
Reputation & Consumer Feedback
The reputation of Franklin Madison (hence fmservice.com) is mixed, with a significant number of consumer complaints. A few data points:
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The company is accredited by Better Business Bureau (BBB) and holds an A+ rating in terms of accreditation status. (BBB)
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Despite that, many customer reviews — especially recent ones — are negative. The average user rating on BBB customer reviews is very low. (BBB)
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Complaints commonly include unexpected or ongoing premium deductions (sometimes even after customers say they declined coverage), difficulty cancelling, or lack of transparency about what the policy actually covers. For example, one reviewer wrote:
“I got a policy … it was free … they been sending me stuff about needing me to make a payment I don’t want.” (BBB)
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Others say the company “is a SHAM COMPANY FRAUD ALERT,” citing deductions long after they thought coverage was cancelled. (BBB)
So while the structural credentials (accreditation, long history) are in place, many consumer complaints allege problematic billing practices or poor transparency.
What to Watch Out For / What This Means for Users
If you or someone you know has coverage managed via fmservice.com / Franklin Madison — or is considering such coverage — these are important cautions:
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Always check what type of coverage you are enrolling in. Many plans via Franklin Madison are supplemental (e.g. accidental-death, hospital-accident). These are often limited to accidents, not sickness or natural death. (regionalfcu.org)
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If you enroll (or are offered) such coverage — make sure to confirm and keep documentation: signed enrollment forms, clear beneficiary designation, premium schedule. Complaints frequently cite confusion about authorization. (BBB)
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If you cancel, follow through carefully. Multiple complaints involve people claiming cancellation was requested — but charges kept coming. (BBB)
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Use the official portal (fmservice.com) or verified contact numbers to manage payment or cancellation. Avoid random calls or suspicious links.
Why Franklin Madison Uses a Portal Like fmservice.com
From a business and operational standpoint, using a portal makes sense for a company like Franklin Madison:
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It allows third-party billing and administration on behalf of multiple insurance carriers and multiple partner institutions (banks, credit unions). This centralizes premium collection, customer service, and record-keeping. (BBB)
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For customers, it offers a way to manage coverage, pay premiums, and start claims online — rather than mailing paper or calling support lines. That’s especially useful when coverage was arranged via a bank or credit-union partner, instead of directly through a traditional insurance company.
Key Takeaways
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fmservice.com is the self-service online portal for customer management of supplemental insurance plans administered by Franklin Madison.
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Services include viewing coverage, paying premiums, and (sometimes) filing claims.
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Franklin Madison has institutional credentials (BBB accreditation) but is subject to many customer complaints — often about billing and cancellation issues.
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If you're using or considering such plans: read all documents carefully, get confirmation of enrollment or cancellation, and monitor your bank statements for unexpected deductions.
FAQ
Q: Is fmservice.com itself an insurance company?
No. fmservice.com is the portal for administration and billing. The actual insurance is underwritten by the relevant insurance company; Franklin Madison acts as third-party administrator. (BBB)
Q: What kinds of insurance plans are offered through this portal?
Common plans include Accident & Dismemberment (AD&D), Hospital Accident Protection, and other supplemental accident-based insurance. These plans are often limited to accidents rather than general health or life insurance. (regionalfcu.org)
Q: Is it safe to use fmservice.com for payments?
Yes — as long as you use the official website (fmservice.com) and keep a secure internet connection. That’s the proper channel for payments and policy management. (fmservice.com)
Q: Why do many users complain about this company?
Many complaints center around unexpected premium charges (sometimes after supposed cancellation), lack of clarity about what was signed up for, and difficulty stopping debit withdrawals. (BBB)
Q: What should I do if I see a charge from this company but don’t recall enrolling?
First — check your statements carefully and confirm any enrollment paperwork you signed. If you don’t recall signing up, contact Franklin Madison directly (via official contact info). If unauthorized charges continue, you may need to contact your bank or relevant regulatory/consumer-protection agency.
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