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  <xsd:element id="ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense" name="DeferredPolicyAcquisitionCostsNetOfAmortizationExpense" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_DeferredPolicyAcquisitionCostsOperating" name="DeferredPolicyAcquisitionCostsOperating" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_DividendsCommonStockStockPercent" name="DividendsCommonStockStockPercent" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_DocumentAndEntityInformation" name="DocumentAndEntityInformation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_EscrowAmountAvailable" name="EscrowAmountAvailable" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_ExchangeTradedDebtSecuritiesMember" name="ExchangeTradedDebtSecuritiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_FBLICMember" name="FBLICMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_FairValueToCostRatio" name="FairValueToCostRatio" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_FamilyBenefitLifeInsuranceCompanyMember" name="FamilyBenefitLifeInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_FinancialAssetsFairValue" name="FinancialAssetsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_FinancialLiabilitiesFairValue" name="FinancialLiabilitiesFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_FirstLifeAmericaCorporationMember" name="FirstLifeAmericaCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_FirstTrinityCapitalCorporationMember" name="FirstTrinityCapitalCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_FirstTrinityFinancialCorporationMember" name="FirstTrinityFinancialCorporationMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_FundsWithheldUnderCoinsuranceAgreements" name="FundsWithheldUnderCoinsuranceAgreements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_GainOnReinsuranceAssumption" name="GainOnReinsuranceAssumption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement" name="IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_IncreaseDecreaseInOtherPolicyLiabilities" name="IncreaseDecreaseInOtherPolicyLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_IndependentMortgageLoanBalancesMember" name="IndependentMortgageLoanBalancesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_JeffersonCityMissouriMember" name="JeffersonCityMissouriMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_KtennInsuranceCompanyKtennMember" name="KtennInsuranceCompanyKtennMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LandHeldForInvestmentMember" name="LandHeldForInvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LapsationMember" name="LapsationMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement" name="LiabilitiesAssumedUnderReinsuranceAssumptionAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability" name="LiabilityForFuturePolicyBenefitActualToExpectedLiability" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceActual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate" name="LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability" name="LiabilityForFuturePolicyBenefitDeferredProfitLiability" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate" name="LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate" name="LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards" name="LiabilityForFuturePolicyBenefitMeetingASU201812Standards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross" name="LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards" name="LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate" name="LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards" name="LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis" name="LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts" name="LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded" name="LiabilityForFuturePolicyBenefitReinsuranceCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration" name="LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_LifeInsuranceOperationsMember" name="LifeInsuranceOperationsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange1Member" name="LoanToValueRange1Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange2Member" name="LoanToValueRange2Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange3Member" name="LoanToValueRange3Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange4Member" name="LoanToValueRange4Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange5Member" name="LoanToValueRange5Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange6Member" name="LoanToValueRange6Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange7Member" name="LoanToValueRange7Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LoanToValueRange8Member" name="LoanToValueRange8Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_LossContingencyNumberOfLawsuits" name="LossContingencyNumberOfLawsuits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_LotteryPrizeCashFlowsMember" name="LotteryPrizeCashFlowsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_MortalityMember" name="MortalityMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount" name="MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest" name="MortgageLoansOnRealEstateNetOfUnearnedInterest" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_NewInvestmentsMember" name="NewInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_NumberOfLoansPastDue" name="NumberOfLoansPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_NumberOfMortgageLoansInDefault" name="NumberOfMortgageLoansInDefault" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_NumberOfPrivatePlacements" name="NumberOfPrivatePlacements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_NumberOfPublicOfferings" name="NumberOfPublicOfferings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_NumberOfStockDividends" name="NumberOfStockDividends" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_NumberOfSubsidiariesMerged" name="NumberOfSubsidiariesMerged" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_OneLoanOriginatorAndInvestmentsMember" name="OneLoanOriginatorAndInvestmentsMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts" name="OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_OtherLongTermInvestmentsFairValue" name="OtherLongTermInvestmentsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_OtherPolicyLiabilities" name="OtherPolicyLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_PastDueLoansTermPastDue" name="PastDueLoansTermPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PaymentsToAcquireMortageLoans" name="PaymentsToAcquireMortageLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PercentOfDividends" name="PercentOfDividends" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity" name="PercentageOfDividendsReceivedUponMergerOrLiquidationActivity" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_PolicyLiabilities" name="PolicyLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_PolicyLiabilitiesAbstract" name="PolicyLiabilitiesAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_PolicyTable" name="PolicyTable" nillable="true" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderAccountBalanceAnnuity" name="PolicyholderAccountBalanceAnnuity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member" name="PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderAccountDeposits" name="PolicyholderAccountDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement" name="PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits" name="PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderBenefitsAndClaimsIncurredNetLifeAndAnnuity" name="PolicyholderBenefitsAndClaimsIncurredNetLifeAndAnnuity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderBenefitsAndClaimsIncurredNetSurrenders" name="PolicyholderBenefitsAndClaimsIncurredNetSurrenders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PolicyholderFundsFairValue" name="PolicyholderFundsFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_PolicyholderFundsTotalAdditions" name="PolicyholderFundsTotalAdditions" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_PolicyholdersAccountBalancesCeded" name="PolicyholdersAccountBalancesCeded" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element abstract="true" id="ftfc_PremiumFinanceLoansMember" name="PremiumFinanceLoansMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_PremiumGrowthFunds" name="PremiumGrowthFunds" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xsd:element id="ftfc_ProceedsFromLegalSettlementsShares" name="ProceedsFromLegalSettlementsShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_ReceivablesExcludingPolicyLoanReceivablesMember" name="ReceivablesExcludingPolicyLoanReceivablesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_RelatedPartiesMember" name="RelatedPartiesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_ResidentialMember" name="ResidentialMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_ResidentialRealEstateHeldForSaleMember" name="ResidentialRealEstateHeldForSaleMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_RightToReceiveDividendPercentage" name="RightToReceiveDividendPercentage" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:percentItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_RoyaltyCapitalLifeInsuranceCompanyRCLICMember" name="RoyaltyCapitalLifeInsuranceCompanyRCLICMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock" name="ScheduleOfOtherLongtermInvestmentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_ServiceFeesAndOtherIncome" name="ServiceFeesAndOtherIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_TLICMember" name="TLICMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_TermProducts10YearMember" name="TermProducts10YearMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_TermProducts15YearMember" name="TermProducts15YearMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_TermProducts20YearMember" name="TermProducts20YearMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element abstract="true" id="ftfc_TermProducts30YearMember" name="TermProducts30YearMember" nillable="true" substitutionGroup="xbrli:item" type="dtr-types:domainItemType" xbrli:periodType="duration"/>
  <xsd:element id="ftfc_TermProductsNumberOfYears" name="TermProductsNumberOfYears" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
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