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About Auto Insurance, Commercial Insurance in Edwardsville, Fenton

About Car Insurance, Commercial Insurance, Life Insurance, Small Business Insurance and More in Saint Charles, St. Louis, Belleville, Edwardsville, Fenton, Ofallon, IL and Surrounding Areas

We work for you, not the insurance company

Mack Risk Management/FLS Insurance provides the personal and commercial insurance products and professional guidance you deserve.  You can count on us to craft a comprehensive insurance program that includes the right components for your unique requirements.

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Welcome To Mack Risk Management/FLS Insurance

We are not just an insurance agency selling a product at Mack Risk Management.

Our primary goal is to help you protect your family, property, and business and we do that by thinking outside the box and providing the personalized service you deserve. We realize that not all pegs fit neatly into a square hole. Your situation and circumstances are unique.

Whether it’s car insurance in O’Fallon, home and life insurance in Edwardsville, or commercial insurance and employee benefits in St. Louis, we take the time to talk with you and use your input to design an insurance plan to fit your needs.

In addition, we are a member of Trusted Choice, a national alliance of independently owned insurance and financial service firms, and that means we work for you not an insurance company. You can rely on us to always place your best interests as a top priority.

Owner Steve Mack

Owner Steve Mack


My name is Michelle Falkner but everybody calls me Missy.  I am originally from Waterloo, but I currently reside in Valmeyer with my son Chase. I have 12 years of experience in the insurance business.

I started out in customer service and obtained my Property & Casualty license almost 8 years ago.  I have been with FLS Insurance Agency for 8 years. I take great pride in helping our customers with all their insurance needs.

My name is Pauline Elfrink and I have been Customer Service Representative with FLS Insurance Agency since April of 2016.  I am currently studying to acquire my Property and Casualty license and hope to obtain them early in 2017.

Before coming to work at FLS Insurance, I was employed as an Administrative Assistant at Wells Fargo Advisors for 11 years.  I am married to my husband of 15 years and we have 4 children.