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    <link:label xlink:label="us-gaap_InvestmentIncomeInvestmentExpense-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Investment expenses</link:label>
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    <link:label xlink:label="ecd_NonRule10b51ArrAdoptedFlag-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Adopted [Flag]</link:label>
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    <link:label xlink:label="ftfc_statement-statement-note-2-investments-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments</link:label>
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    <link:label xlink:label="ecd_TradingArrByIndTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual [Table]</link:label>
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    <link:label xlink:label="ecd_MtrlTermsOfTrdArrTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement [Text Block]</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:label="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Real Estate Properties [Table Text Block]</link:label>
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    <link:label xlink:label="ftfc_statement-statement-note-4-segment-data-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 4 - Segment Data</link:label>
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    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-tables" xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-tables" xlink:type="locator"/>
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    <link:label xlink:label="us-gaap_FinancialInstrumentAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
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    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-tables" xlink:label="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-tables" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 8 - Allowance for Loan Losses From Mortgage Loans on Real Estate</link:label>
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    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-tables" xlink:label="ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-tables" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 9 - Deferred Policy Acquisition Costs</link:label>
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    <link:label xlink:label="us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities, gross unrealized losses</link:label>
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    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-supplemental-disclosure-cash-and-noncash-impact-on-operating-investing-and-financing-activities-details" xlink:label="ftfc_statement-statement-supplemental-disclosure-cash-and-noncash-impact-on-operating-investing-and-financing-activities-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-supplemental-disclosure-cash-and-noncash-impact-on-operating-investing-and-financing-activities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Disclosure - Cash and Non-cash Impact on Operating, Investing and Financing Activities (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-supplemental-disclosure-cash-and-noncash-impact-on-operating-investing-and-financing-activities-details" xlink:to="ftfc_statement-statement-supplemental-disclosure-cash-and-noncash-impact-on-operating-investing-and-financing-activities-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Investments" xlink:label="us-gaap_Investments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_Investments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_Investments</link:label>
    <link:label xlink:label="us-gaap_Investments-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Investments" xlink:to="us-gaap_Investments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember" xlink:label="srt_RangeMember" xlink:type="locator"/>
    <link:label xlink:label="srt_RangeMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RangeMember" xlink:to="srt_RangeMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-change-in-accounting-principle-details" xlink:label="ftfc_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-change-in-accounting-principle-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-change-in-accounting-principle-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 1 - Organization and Significant Accounting Policies - Schedule of Change in Accounting Principle (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-change-in-accounting-principle-details" xlink:to="ftfc_statement-statement-note-1-organization-and-significant-accounting-policies-schedule-of-change-in-accounting-principle-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsAbstract" xlink:label="us-gaap_InvestmentsAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InvestmentsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsAbstract" xlink:to="us-gaap_InvestmentsAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember" xlink:label="srt_MaximumMember" xlink:type="locator"/>
    <link:label xlink:label="srt_MaximumMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MaximumMember" xlink:to="srt_MaximumMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-availableforsale-fixed-maturity-and-equity-securities-details" xlink:label="ftfc_statement-statement-note-2-investments-availableforsale-fixed-maturity-and-equity-securities-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-availableforsale-fixed-maturity-and-equity-securities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Available-for-sale Fixed Maturity and Equity Securities (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-availableforsale-fixed-maturity-and-equity-securities-details" xlink:to="ftfc_statement-statement-note-2-investments-availableforsale-fixed-maturity-and-equity-securities-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-securities-in-an-unrealized-loss-position-details" xlink:label="ftfc_statement-statement-note-2-investments-securities-in-an-unrealized-loss-position-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-securities-in-an-unrealized-loss-position-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Securities in an Unrealized Loss Position (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-securities-in-an-unrealized-loss-position-details" xlink:to="ftfc_statement-statement-note-2-investments-securities-in-an-unrealized-loss-position-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ResidentialRealEstateHeldForSaleMember" xlink:label="ftfc_ResidentialRealEstateHeldForSaleMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ResidentialRealEstateHeldForSaleMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Real Estate - Held for Sale [Member]</link:label>
    <link:label xlink:label="ftfc_ResidentialRealEstateHeldForSaleMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Related to residential real estate that is held for sale.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ResidentialRealEstateHeldForSaleMember" xlink:to="ftfc_ResidentialRealEstateHeldForSaleMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income before income taxes</link:label>
    <link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic</link:label>
    <link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income before total federal income tax expense</link:label>
    <link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income (loss) before federal income taxes (benefits)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:label="us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInAccountsReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInAccountsReceivable</link:label>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInAccountsReceivable-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Agents' balances and due premiums</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:to="us-gaap_IncreaseDecreaseInAccountsReceivable-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-change-in-estimate-of-credit-losses-details" xlink:label="ftfc_statement-statement-note-2-investments-change-in-estimate-of-credit-losses-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-change-in-estimate-of-credit-losses-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Change in Estimate of Credit Losses (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-change-in-estimate-of-credit-losses-details" xlink:to="ftfc_statement-statement-note-2-investments-change-in-estimate-of-credit-losses-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-net-unrealized-gains-included-in-accumulated-other-comprehensive-income-details" xlink:label="ftfc_statement-statement-note-2-investments-net-unrealized-gains-included-in-accumulated-other-comprehensive-income-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-net-unrealized-gains-included-in-accumulated-other-comprehensive-income-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Net Unrealized Gains Included in Accumulated Other Comprehensive Income (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-net-unrealized-gains-included-in-accumulated-other-comprehensive-income-details" xlink:to="ftfc_statement-statement-note-2-investments-net-unrealized-gains-included-in-accumulated-other-comprehensive-income-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-schedule-of-other-longterm-investments-details" xlink:label="ftfc_statement-statement-note-2-investments-schedule-of-other-longterm-investments-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-schedule-of-other-longterm-investments-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Schedule of Other Long-term Investments (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-schedule-of-other-longterm-investments-details" xlink:to="ftfc_statement-statement-note-2-investments-schedule-of-other-longterm-investments-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-fixed-maturity-availableforsale-securities-by-contractual-maturities-details" xlink:label="ftfc_statement-statement-note-2-investments-fixed-maturity-availableforsale-securities-by-contractual-maturities-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-fixed-maturity-availableforsale-securities-by-contractual-maturities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Fixed Maturity Available-for-sale Securities by Contractual Maturities (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-fixed-maturity-availableforsale-securities-by-contractual-maturities-details" xlink:to="ftfc_statement-statement-note-2-investments-fixed-maturity-availableforsale-securities-by-contractual-maturities-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-proceeds-and-gross-realized-gains-losses-details" xlink:label="ftfc_statement-statement-note-2-investments-proceeds-and-gross-realized-gains-losses-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-proceeds-and-gross-realized-gains-losses-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Proceeds and Gross Realized Gains (Losses (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-proceeds-and-gross-realized-gains-losses-details" xlink:to="ftfc_statement-statement-note-2-investments-proceeds-and-gross-realized-gains-losses-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInvestments" xlink:label="us-gaap_OtherInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherInvestments</link:label>
    <link:label xlink:label="us-gaap_OtherInvestments-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherInvestments" xlink:to="us-gaap_OtherInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_OfficeBuildingMember" xlink:label="srt_OfficeBuildingMember" xlink:type="locator"/>
    <link:label xlink:label="srt_OfficeBuildingMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Office Building [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_OfficeBuildingMember" xlink:to="srt_OfficeBuildingMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-major-categories-of-net-investment-income-details" xlink:label="ftfc_statement-statement-note-2-investments-major-categories-of-net-investment-income-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-major-categories-of-net-investment-income-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Major Categories of Net Investment Income (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-major-categories-of-net-investment-income-details" xlink:to="ftfc_statement-statement-note-2-investments-major-categories-of-net-investment-income-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_HotelMember" xlink:label="srt_HotelMember" xlink:type="locator"/>
    <link:label xlink:label="srt_HotelMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hotel [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_HotelMember" xlink:to="srt_HotelMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-mortgage-loans-on-real-estate-details" xlink:label="ftfc_statement-statement-note-2-investments-mortgage-loans-on-real-estate-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-mortgage-loans-on-real-estate-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Mortgage Loans on Real Estate (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-mortgage-loans-on-real-estate-details" xlink:to="ftfc_statement-statement-note-2-investments-mortgage-loans-on-real-estate-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_IndustrialPropertyMember" xlink:label="srt_IndustrialPropertyMember" xlink:type="locator"/>
    <link:label xlink:label="srt_IndustrialPropertyMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Industrial Property [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_IndustrialPropertyMember" xlink:to="srt_IndustrialPropertyMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-2-investments-investment-real-estate-details" xlink:label="ftfc_statement-statement-note-2-investments-investment-real-estate-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-2-investments-investment-real-estate-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 2 - Investments - Investment Real Estate (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-2-investments-investment-real-estate-details" xlink:to="ftfc_statement-statement-note-2-investments-investment-real-estate-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments" xlink:label="ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments" xlink:type="locator"/>
    <link:label xlink:label="ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments</link:label>
    <link:label xlink:label="ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other long-term investments</link:label>
    <link:label xlink:label="ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of unrealized appreciation/depreciation on other long-term investments.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments" xlink:to="ftfc_UnrealizedAppreciationDepreciationOnOtherLongtermInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ApartmentBuildingMember" xlink:label="srt_ApartmentBuildingMember" xlink:type="locator"/>
    <link:label xlink:label="srt_ApartmentBuildingMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Apartment Building [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ApartmentBuildingMember" xlink:to="srt_ApartmentBuildingMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-3-fair-value-measurements-fair-value-measured-on-a-recurring-basis-details" xlink:label="ftfc_statement-statement-note-3-fair-value-measurements-fair-value-measured-on-a-recurring-basis-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-3-fair-value-measurements-fair-value-measured-on-a-recurring-basis-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 3 - Fair Value Measurements - Fair Value Measured on a Recurring Basis (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-3-fair-value-measurements-fair-value-measured-on-a-recurring-basis-details" xlink:to="ftfc_statement-statement-note-3-fair-value-measurements-fair-value-measured-on-a-recurring-basis-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock" xlink:label="ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Other Long-term Investments [Table Text Block]</link:label>
    <link:label xlink:label="ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire tabular disclosure for other investments classified as long-term.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock" xlink:to="ftfc_ScheduleOfOtherLongtermInvestmentsTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-3-fair-value-measurements-change-in-fair-value-of-availableforsale-equity-securities-details" xlink:label="ftfc_statement-statement-note-3-fair-value-measurements-change-in-fair-value-of-availableforsale-equity-securities-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-3-fair-value-measurements-change-in-fair-value-of-availableforsale-equity-securities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 3 - Fair Value Measurements - Change in Fair Value of Available-for-sale Equity Securities (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-3-fair-value-measurements-change-in-fair-value-of-availableforsale-equity-securities-details" xlink:to="ftfc_statement-statement-note-3-fair-value-measurements-change-in-fair-value-of-availableforsale-equity-securities-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember" xlink:label="us-gaap_CommercialMortgageBackedSecuritiesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommercialMortgageBackedSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Mortgage-Backed Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialMortgageBackedSecuritiesMember" xlink:to="us-gaap_CommercialMortgageBackedSecuritiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-3-fair-value-measurements-estimated-fair-values-of-financial-instruments-details" xlink:label="ftfc_statement-statement-note-3-fair-value-measurements-estimated-fair-values-of-financial-instruments-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-3-fair-value-measurements-estimated-fair-values-of-financial-instruments-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 3 - Fair Value Measurements - Estimated Fair Values of Financial Instruments (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-3-fair-value-measurements-estimated-fair-values-of-financial-instruments-details" xlink:to="ftfc_statement-statement-note-3-fair-value-measurements-estimated-fair-values-of-financial-instruments-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-4-segment-data-segment-data-operations-details" xlink:label="ftfc_statement-statement-note-4-segment-data-segment-data-operations-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-4-segment-data-segment-data-operations-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 4 - Segment Data - Segment Data - Operations (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-4-segment-data-segment-data-operations-details" xlink:to="ftfc_statement-statement-note-4-segment-data-segment-data-operations-details-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CounterpartyNameAxis" xlink:label="srt_CounterpartyNameAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_CounterpartyNameAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CounterpartyNameAxis" xlink:to="srt_CounterpartyNameAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-4-segment-data-reconciliation-of-assets-from-segment-to-consolidated-details" xlink:label="ftfc_statement-statement-note-4-segment-data-reconciliation-of-assets-from-segment-to-consolidated-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-4-segment-data-reconciliation-of-assets-from-segment-to-consolidated-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 4 - Segment Data - Reconciliation of Assets from Segment to Consolidated (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-4-segment-data-reconciliation-of-assets-from-segment-to-consolidated-details" xlink:to="ftfc_statement-statement-note-4-segment-data-reconciliation-of-assets-from-segment-to-consolidated-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-4-segment-data-increase-decrease-in-revenues-details" xlink:label="ftfc_statement-statement-note-4-segment-data-increase-decrease-in-revenues-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-4-segment-data-increase-decrease-in-revenues-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 4 - Segment Data - Increase (Decrease) in Revenues (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-4-segment-data-increase-decrease-in-revenues-details" xlink:to="ftfc_statement-statement-note-4-segment-data-increase-decrease-in-revenues-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-accumulated-other-comprehensive-loss-details" xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-accumulated-other-comprehensive-loss-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-accumulated-other-comprehensive-loss-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 7 - Other Comprehensive Income (Loss) and Accumulated Other Comprehensive Income - Accumulated Other Comprehensive Loss (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-accumulated-other-comprehensive-loss-details" xlink:to="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-accumulated-other-comprehensive-loss-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense" xlink:label="ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense" xlink:type="locator"/>
    <link:label xlink:label="ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total benefits and claims</link:label>
    <link:label xlink:label="ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of costs deferred net of amortization expense (reversal of expense) for deferred policy acquisition costs.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense" xlink:to="ftfc_DeferredPolicyAcquisitionCostsNetOfAmortizationExpense-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-other-comprehensive-income-loss-details" xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-other-comprehensive-income-loss-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-other-comprehensive-income-loss-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 7 - Other Comprehensive Income (Loss) and Accumulated Other Comprehensive Income - Other Comprehensive Income (Loss) (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-other-comprehensive-income-loss-details" xlink:to="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-other-comprehensive-income-loss-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_DeferredPolicyAcquisitionCostsOperating" xlink:label="ftfc_DeferredPolicyAcquisitionCostsOperating" xlink:type="locator"/>
    <link:label xlink:label="ftfc_DeferredPolicyAcquisitionCostsOperating-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_DeferredPolicyAcquisitionCostsOperating</link:label>
    <link:label xlink:label="ftfc_DeferredPolicyAcquisitionCostsOperating-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Policy acquisition costs deferred</link:label>
    <link:label xlink:label="ftfc_DeferredPolicyAcquisitionCostsOperating-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Capitalized sales costs that are associated with acquiring new insurance customers.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_DeferredPolicyAcquisitionCostsOperating" xlink:to="ftfc_DeferredPolicyAcquisitionCostsOperating-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-reclassified-from-accumulated-other-comprehensive-income-loss-details" xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-reclassified-from-accumulated-other-comprehensive-income-loss-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-reclassified-from-accumulated-other-comprehensive-income-loss-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 7 - Other Comprehensive Income (Loss) and Accumulated Other Comprehensive Income - Reclassified From Accumulated Other Comprehensive Income (Loss) (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-reclassified-from-accumulated-other-comprehensive-income-loss-details" xlink:to="ftfc_statement-statement-note-7-other-comprehensive-income-loss-and-accumulated-other-comprehensive-income-reclassified-from-accumulated-other-comprehensive-income-loss-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-allowance-for-loss-on-premium-financing-details" xlink:label="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-allowance-for-loss-on-premium-financing-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-allowance-for-loss-on-premium-financing-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 8 - Allowance for Loan Losses From Mortgage Loans On Real Estate - Allowance for Loss on Premium Financing (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-allowance-for-loss-on-premium-financing-details" xlink:to="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-allowance-for-loss-on-premium-financing-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest" xlink:label="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest" xlink:type="locator"/>
    <link:label xlink:label="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest</link:label>
    <link:label xlink:label="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total mortgage loans held in trust under coinsurance agreement</link:label>
    <link:label xlink:label="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The balance amount of mortgage loans on real estate, after unearned interest.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest" xlink:to="ftfc_MortgageLoansOnRealEstateNetOfUnearnedInterest-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ConversionOfCommonStockClassBIntoCommonStockClassAMember" xlink:label="ftfc_ConversionOfCommonStockClassBIntoCommonStockClassAMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ConversionOfCommonStockClassBIntoCommonStockClassAMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion of Common Stock Class B into Common Stock Class A [Member]</link:label>
    <link:label xlink:label="ftfc_ConversionOfCommonStockClassBIntoCommonStockClassAMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents conversion of common stock class B into common stock class A.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ConversionOfCommonStockClassBIntoCommonStockClassAMember" xlink:to="ftfc_ConversionOfCommonStockClassBIntoCommonStockClassAMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-mortgage-loan-to-value-ratios-details" xlink:label="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-mortgage-loan-to-value-ratios-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-mortgage-loan-to-value-ratios-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 8 - Allowance for Loan Losses From Mortgage Loans on Real Estate - Mortgage Loan to Value Ratios (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-mortgage-loan-to-value-ratios-details" xlink:to="ftfc_statement-statement-note-8-allowance-for-loan-losses-from-mortgage-loans-on-real-estate-mortgage-loan-to-value-ratios-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare" xlink:label="ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare</link:label>
    <link:label xlink:label="ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Conversion of Stock, Number of Stock Convertible by Each Share (in shares)</link:label>
    <link:label xlink:label="ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of stock convertible by each share.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare" xlink:to="ftfc_ConversionOfStockNumberOfStockConvertibleByEachShare-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-deferred-acquisition-costs-details" xlink:label="ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-deferred-acquisition-costs-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-deferred-acquisition-costs-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 9 - Deferred Policy Acquisition Costs - Deferred Acquisition Costs (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-deferred-acquisition-costs-details" xlink:to="ftfc_statement-statement-note-9-deferred-policy-acquisition-costs-deferred-acquisition-costs-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity" xlink:label="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity</link:label>
    <link:label xlink:label="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Dividends Received Upon Merger or Liquidation Activity</link:label>
    <link:label xlink:label="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents percentage of dividends will be received upon merger or liquidation activity.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity" xlink:to="ftfc_PercentageOfDividendsReceivedUponMergerOrLiquidationActivity-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsCash" xlink:label="us-gaap_DividendsCash" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DividendsCash-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DividendsCash</link:label>
    <link:label xlink:label="us-gaap_DividendsCash-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends, Cash</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCash" xlink:to="us-gaap_DividendsCash-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-10-liability-for-future-policy-benefits-schedule-of-future-policy-benefit-activity-details" xlink:label="ftfc_statement-statement-note-10-liability-for-future-policy-benefits-schedule-of-future-policy-benefit-activity-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-10-liability-for-future-policy-benefits-schedule-of-future-policy-benefit-activity-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 10 - Liability for Future Policy Benefits - Schedule of Future Policy Benefit Activity (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-10-liability-for-future-policy-benefits-schedule-of-future-policy-benefit-activity-details" xlink:to="ftfc_statement-statement-note-10-liability-for-future-policy-benefits-schedule-of-future-policy-benefit-activity-details-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
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    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AgricultureMember" xlink:label="ftfc_AgricultureMember" xlink:type="locator"/>
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    <link:label xlink:label="us-gaap_Land-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_Land</link:label>
    <link:label xlink:label="us-gaap_Land-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Land</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Land" xlink:to="us-gaap_Land-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-11-policyholders-account-balances-deposit-liabilities-details" xlink:label="ftfc_statement-statement-note-11-policyholders-account-balances-deposit-liabilities-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-11-policyholders-account-balances-deposit-liabilities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 11 - Policyholders' Account Balances - Deposit Liabilities (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-11-policyholders-account-balances-deposit-liabilities-details" xlink:to="ftfc_statement-statement-note-11-policyholders-account-balances-deposit-liabilities-details-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-11-policyholders-account-balances-range-of-credit-ratings-details" xlink:label="ftfc_statement-statement-note-11-policyholders-account-balances-range-of-credit-ratings-details" xlink:type="locator"/>
    <link:label xlink:label="ftfc_statement-statement-note-11-policyholders-account-balances-range-of-credit-ratings-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Note 11 - Policyholders' Account Balances - Range of Credit Ratings (Details)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_statement-statement-note-11-policyholders-account-balances-range-of-credit-ratings-details" xlink:to="ftfc_statement-statement-note-11-policyholders-account-balances-range-of-credit-ratings-details-label" xlink:type="arc"/>
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    <link:label xlink:label="srt_RepurchaseAgreementCounterpartyNameDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RepurchaseAgreementCounterpartyNameDomain" xlink:to="srt_RepurchaseAgreementCounterpartyNameDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_statement-statement-note-11-policyholders-account-balances-schedule-of-policyholders-account-balances-details" xlink:label="ftfc_statement-statement-note-11-policyholders-account-balances-schedule-of-policyholders-account-balances-details" xlink:type="locator"/>
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    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NotesToFinancialStatementsAbstract" xlink:label="ftfc_NotesToFinancialStatementsAbstract" xlink:type="locator"/>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities in an unrealized loss position, less than twelve months, number</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities" xlink:label="us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities</link:label>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Policy claims</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities" xlink:to="us-gaap_IncreaseDecreaseInLifeInsuranceLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions" xlink:type="locator"/>
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    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_SegmentReportingDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Text Block]</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities in an unrealized loss position, more than twelve months, fair value</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment" xlink:label="us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of real estate</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities in an unrealized loss position, less than twelve months, fair value</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator"/>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Table Text Block]</link:label>
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    <link:label xlink:label="us-gaap_Liabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_Liabilities</link:label>
    <link:label xlink:label="us-gaap_Liabilities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_PendingLitigationMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pending Litigation [Member]</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock" xlink:label="us-gaap_ReconciliationOfAssetsFromSegmentToConsolidatedTextBlock" xlink:type="locator"/>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LitigationStatusAxis" xlink:label="us-gaap_LitigationStatusAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LitigationStatusAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Litigation Status [Axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyLoansMember" xlink:to="us-gaap_PolicyLoansMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CashAndCashEquivalentsFairValueDisclosure</link:label>
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    <link:label xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="us-gaap_EstimateOfFairValueFairValueDisclosureMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockDividendsPerShareCashPaid" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CommonStockDividendsPerShareCashPaid</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="us-gaap_CommonStockDividendsPerShareCashPaid-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsReceivableAtCarryingValue" xlink:label="us-gaap_PremiumsReceivableAtCarryingValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PremiumsReceivableAtCarryingValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Agents' balances and due premiums</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="locator"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations" xlink:type="locator"/>
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    <link:label xlink:label="us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingDisposalGroupAndDiscontinuedOperations-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents, beginning of period</link:label>
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    <link:label xlink:label="us-gaap_StatementTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementTable" xlink:to="us-gaap_StatementTable-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Policy claims</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:to="us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss" xlink:type="locator"/>
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    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss</link:label>
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    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition</link:label>
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    <link:label xlink:label="us-gaap_EquitySecuritiesFvNi-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_EquitySecuritiesFvNi</link:label>
    <link:label xlink:label="us-gaap_EquitySecuritiesFvNi-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity securities</link:label>
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    <link:label xlink:label="us-gaap_EquitySecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquitySecuritiesMember" xlink:to="us-gaap_EquitySecuritiesMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions</link:label>
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    <link:label xlink:label="us-gaap_OtherIncome-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherIncome" xlink:to="us-gaap_OtherIncome-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain" xlink:label="srt_ProductsAndServicesDomain" xlink:type="locator"/>
    <link:label xlink:label="srt_ProductsAndServicesDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ProductsAndServicesDomain" xlink:to="srt_ProductsAndServicesDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis" xlink:label="srt_ProductOrServiceAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_ProductOrServiceAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ProductOrServiceAxis" xlink:to="srt_ProductOrServiceAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainsLossesOnSalesOfInvestmentRealEstate" xlink:label="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_GainsLossesOnSalesOfInvestmentRealEstate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_GainsLossesOnSalesOfInvestmentRealEstate</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInReceivableForInvestmentSold" xlink:label="us-gaap_IncreaseDecreaseInReceivableForInvestmentSold" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInReceivableForInvestmentSold-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInReceivableForInvestmentSold</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInReceivableForInvestmentSold" xlink:to="us-gaap_IncreaseDecreaseInReceivableForInvestmentSold-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_OwnershipAxis" xlink:label="srt_OwnershipAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_OwnershipAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ownership [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_OwnershipAxis" xlink:to="srt_OwnershipAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInPayableForInvestmentPurchased" xlink:label="us-gaap_IncreaseDecreaseInPayableForInvestmentPurchased" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInPayableForInvestmentPurchased-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInPayableForInvestmentPurchased</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPayableForInvestmentPurchased" xlink:to="us-gaap_IncreaseDecreaseInPayableForInvestmentPurchased-label" xlink:type="arc"/>
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    <link:label xlink:label="srt_OwnershipDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ownership [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_OwnershipDomain" xlink:to="srt_OwnershipDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss" xlink:label="us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss" xlink:type="locator"/>
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    <link:label xlink:label="us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Increase in future policy benefits</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase in future policy benefits</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageLoansOnRealEstateForeclosures" xlink:label="us-gaap_MortgageLoansOnRealEstateForeclosures" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateForeclosures-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reductions in mortgage loans due to foreclosure</link:label>
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateForeclosures-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Foreclosure</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateForeclosures" xlink:to="us-gaap_MortgageLoansOnRealEstateForeclosures-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RestatementDomain" xlink:label="srt_RestatementDomain" xlink:type="locator"/>
    <link:label xlink:label="srt_RestatementDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RestatementDomain" xlink:to="srt_RestatementDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:label="us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ResidentialMortgageBackedSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Mortgage-Backed Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:to="us-gaap_ResidentialMortgageBackedSecuritiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RestatementAxis" xlink:label="srt_RestatementAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_RestatementAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RestatementAxis" xlink:to="srt_RestatementAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderDividends" xlink:label="us-gaap_PolicyholderDividends" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderDividends-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend, endowment and supplementary life contract benefits</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderDividends" xlink:to="us-gaap_PolicyholderDividends-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByAssetClassAxis" xlink:label="us-gaap_FairValueByAssetClassAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueByAssetClassAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Class [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByAssetClassAxis" xlink:to="us-gaap_FairValueByAssetClassAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:label="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:type="locator"/>
    <link:label xlink:label="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period of Adoption, Adjustment [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember" xlink:to="srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:label="srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:type="locator"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember" xlink:to="srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:label="srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_CumulativeEffectPeriodOfAdoptionAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cumulative Effect, Period of Adoption [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CumulativeEffectPeriodOfAdoptionAxis" xlink:to="srt_CumulativeEffectPeriodOfAdoptionAxis-label" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_CumulativeEffectPeriodOfAdoptionDomain" xlink:to="srt_CumulativeEffectPeriodOfAdoptionDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnInvestmentsTextBlock" xlink:label="us-gaap_GainLossOnInvestmentsTextBlock" xlink:type="locator"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByMeasurementFrequencyAxis" xlink:to="us-gaap_FairValueByMeasurementFrequencyAxis-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_StatementLineItems-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementLineItems" xlink:to="us-gaap_StatementLineItems-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_InterestCreditedToPolicyholdersAccountBalances-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest credited to policyholders</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestCreditedToPolicyholdersAccountBalances" xlink:to="us-gaap_InterestCreditedToPolicyholdersAccountBalances-label" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="us-gaap_FairValueByFairValueHierarchyLevelAxis-label" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued-label" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_CommonClassBMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class B [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonClassBMember" xlink:to="us-gaap_CommonClassBMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_CommonStockValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPayableCurrentAndNoncurrent" xlink:label="us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InterestPayableCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued interest credited to policyholders' account balances</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPayableCurrentAndNoncurrent" xlink:to="us-gaap_InterestPayableCurrentAndNoncurrent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BenefitsLossesAndExpenses" xlink:label="us-gaap_BenefitsLossesAndExpenses" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BenefitsLossesAndExpenses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total benefits, claims and expenses</link:label>
    <link:label xlink:label="us-gaap_BenefitsLossesAndExpenses-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total benefits, claims and expenses</link:label>
    <link:label xlink:label="us-gaap_BenefitsLossesAndExpenses-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total expenses</link:label>
    <link:label xlink:label="us-gaap_BenefitsLossesAndExpenses-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Total benefits, claims and expenses</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BenefitsLossesAndExpenses" xlink:to="us-gaap_BenefitsLossesAndExpenses-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:label="us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MortgageLoansInProcessOfForeclosureAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_MortgageLoansInProcessOfForeclosureAmount</link:label>
    <link:label xlink:label="us-gaap_MortgageLoansInProcessOfForeclosureAmount-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loans in Process of Foreclosure, Amount</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:to="us-gaap_MortgageLoansInProcessOfForeclosureAmount-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ExchangeTradedDebtSecuritiesMember" xlink:label="ftfc_ExchangeTradedDebtSecuritiesMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ExchangeTradedDebtSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange-traded Debt Securities [Member]</link:label>
    <link:label xlink:label="ftfc_ExchangeTradedDebtSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to exchange-traded debt securities.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ExchangeTradedDebtSecuritiesMember" xlink:to="ftfc_ExchangeTradedDebtSecuritiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="us-gaap_PolicyTextBlockAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PolicyTextBlockAbstract</link:label>
    <link:label xlink:label="us-gaap_PolicyTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting Policies</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyTextBlockAbstract" xlink:to="us-gaap_PolicyTextBlockAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="us-gaap_DisclosureTextBlockAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DisclosureTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DisclosureTextBlockAbstract</link:label>
    <link:label xlink:label="us-gaap_DisclosureTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes to Financial Statements</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisclosureTextBlockAbstract" xlink:to="us-gaap_DisclosureTextBlockAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TableTextBlock" xlink:label="us-gaap_TableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TableTextBlock</link:label>
    <link:label xlink:label="us-gaap_TableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes Tables</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TableTextBlock" xlink:to="us-gaap_TableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:label="us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromIssuanceInitialPublicOffering-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ProceedsFromIssuanceInitialPublicOffering</link:label>
    <link:label xlink:label="us-gaap_ProceedsFromIssuanceInitialPublicOffering-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance Initial Public Offering</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceInitialPublicOffering" xlink:to="us-gaap_ProceedsFromIssuanceInitialPublicOffering-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:label="us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNoteTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss) Note [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNoteTextBlock" xlink:to="us-gaap_ComprehensiveIncomeNoteTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total comprehensive income</link:label>
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ComprehensiveIncomeNetOfTax</link:label>
    <link:label xlink:label="us-gaap_ComprehensiveIncomeNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total comprehensive income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="us-gaap_ComprehensiveIncomeNetOfTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossContingencyDisclosures" xlink:label="us-gaap_LossContingencyDisclosures" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LossContingencyDisclosures-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contingencies Disclosure [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyDisclosures" xlink:to="us-gaap_LossContingencyDisclosures-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:label="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromIssuanceOfPrivatePlacement-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ProceedsFromIssuanceOfPrivatePlacement</link:label>
    <link:label xlink:label="us-gaap_ProceedsFromIssuanceOfPrivatePlacement-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Private Placement</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfPrivatePlacement" xlink:to="us-gaap_ProceedsFromIssuanceOfPrivatePlacement-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance, end of year</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of year</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeReinsuranceAfterDiscountRateChange-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New issuances</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumIssuance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:to="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConcentrationRiskTable" xlink:label="us-gaap_ConcentrationRiskTable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ConcentrationRiskTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskTable" xlink:to="us-gaap_ConcentrationRiskTable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountingStandardsUpdate201812Member" xlink:label="us-gaap_AccountingStandardsUpdate201812Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AccountingStandardsUpdate201812Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update 2018-12 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingStandardsUpdate201812Member" xlink:to="us-gaap_AccountingStandardsUpdate201812Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments on other long-term investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyMember" xlink:label="us-gaap_RelatedPartyMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RelatedPartyMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyMember" xlink:to="us-gaap_RelatedPartyMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net premium collected</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumNetPremiumCollected-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maturities of fixed maturity securities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermInvestmentsMember" xlink:label="us-gaap_ShortTermInvestmentsMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ShortTermInvestmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Short-Term Investments [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermInvestmentsMember" xlink:to="us-gaap_ShortTermInvestmentsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest accrual</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumInterestIncome-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TrinityAmericanIncTaiMember" xlink:label="ftfc_TrinityAmericanIncTaiMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TrinityAmericanIncTaiMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trinity American, Inc. ("TAI") [Member]</link:label>
    <link:label xlink:label="ftfc_TrinityAmericanIncTaiMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents Trinity American, Inc. ("TAI").</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TrinityAmericanIncTaiMember" xlink:to="ftfc_TrinityAmericanIncTaiMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Balance, end of year</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance, beginning of year</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New issuances</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitIssuance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of actual variances from expected</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PercentOfDividends" xlink:label="ftfc_PercentOfDividends" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PercentOfDividends-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PercentOfDividends</link:label>
    <link:label xlink:label="ftfc_PercentOfDividends-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percent of Dividends</link:label>
    <link:label xlink:label="ftfc_PercentOfDividends-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percent of dividends received.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PercentOfDividends" xlink:to="ftfc_PercentOfDividends-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_KtennInsuranceCompanyKtennMember" xlink:label="ftfc_KtennInsuranceCompanyKtennMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_KtennInsuranceCompanyKtennMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">K-TENN Insurance Company ("K-TENN") [Member]</link:label>
    <link:label xlink:label="ftfc_KtennInsuranceCompanyKtennMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents K-TENN Insurance Company ("K-TENN").</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_KtennInsuranceCompanyKtennMember" xlink:to="ftfc_KtennInsuranceCompanyKtennMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trued-Up balance</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of changes in cash flow considerations</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumCumulativeIncreaseDecreaseFromCashFlowChange-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyLiabilities" xlink:label="ftfc_PolicyLiabilities" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PolicyLiabilities</link:label>
    <link:label xlink:label="ftfc_PolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total policy liabilities</link:label>
    <link:label xlink:label="ftfc_PolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents all policy liabilities as of the balance sheet date, including such items as liability for future policy benefits, unpaid claims and claims adjustment expense, and policyholder funds.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyLiabilities" xlink:to="ftfc_PolicyLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of actual variances from expected</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseOfActualVarianceFromExpectedExperience-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_OtherPolicyLiabilities" xlink:label="ftfc_OtherPolicyLiabilities" xlink:type="locator"/>
    <link:label xlink:label="ftfc_OtherPolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other policy liabilities</link:label>
    <link:label xlink:label="ftfc_OtherPolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the amount of other policy liabilities as of the balance sheet date.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_OtherPolicyLiabilities" xlink:to="ftfc_OtherPolicyLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_DividendsCommonStockStockPercent" xlink:label="ftfc_DividendsCommonStockStockPercent" xlink:type="locator"/>
    <link:label xlink:label="ftfc_DividendsCommonStockStockPercent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_DividendsCommonStockStockPercent</link:label>
    <link:label xlink:label="ftfc_DividendsCommonStockStockPercent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock, Stock Percent</link:label>
    <link:label xlink:label="ftfc_DividendsCommonStockStockPercent-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percent of paid and unpaid common stock dividends declared with the form of settlement in stock.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_DividendsCommonStockStockPercent" xlink:to="ftfc_DividendsCommonStockStockPercent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:to="us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of changes in cash flow considerations</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitCumulativeIncreaseDecreaseFromCashFlowChange-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Withdrawal/surrenders</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDerecognition-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest accrual</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_IncreaseDecreaseInOtherPolicyLiabilities" xlink:label="ftfc_IncreaseDecreaseInOtherPolicyLiabilities" xlink:type="locator"/>
    <link:label xlink:label="ftfc_IncreaseDecreaseInOtherPolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_IncreaseDecreaseInOtherPolicyLiabilities</link:label>
    <link:label xlink:label="ftfc_IncreaseDecreaseInOtherPolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other policy liabilities</link:label>
    <link:label xlink:label="ftfc_IncreaseDecreaseInOtherPolicyLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the increase or decrease in other policy liabilities during the period.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_IncreaseDecreaseInOtherPolicyLiabilities" xlink:to="ftfc_IncreaseDecreaseInOtherPolicyLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue</link:label>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Current discount rate</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitCurrentWeightedAverageDiscountRate-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PaymentsToAcquireMortageLoans" xlink:label="ftfc_PaymentsToAcquireMortageLoans" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PaymentsToAcquireMortageLoans-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PaymentsToAcquireMortageLoans</link:label>
    <link:label xlink:label="ftfc_PaymentsToAcquireMortageLoans-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of mortgage loans</link:label>
    <link:label xlink:label="ftfc_PaymentsToAcquireMortageLoans-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow associated with the purchase of mortgage loans during the period.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PaymentsToAcquireMortageLoans" xlink:to="ftfc_PaymentsToAcquireMortageLoans-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:to="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_BenefitsAndClaims" xlink:label="ftfc_BenefitsAndClaims" xlink:type="locator"/>
    <link:label xlink:label="ftfc_BenefitsAndClaims-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_BenefitsAndClaims</link:label>
    <link:label xlink:label="ftfc_BenefitsAndClaims-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total benefits and claims</link:label>
    <link:label xlink:label="ftfc_BenefitsAndClaims-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total benefits and claims</link:label>
    <link:label xlink:label="ftfc_BenefitsAndClaims-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The total amount of expense recognized during the period for future policy benefits, claims and claims adjustment costs.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_BenefitsAndClaims" xlink:to="ftfc_BenefitsAndClaims-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitWeightedAverageDuration" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitWeightedAverageDuration" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitWeightedAverageDuration-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current duration of the liability in years (Year)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitWeightedAverageDuration" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitWeightedAverageDuration-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments on mortgage loans</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable" xlink:to="us-gaap_ProceedsFromSaleAndCollectionOfMortgageNotesReceivable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromDivestitureOfInterestInJointVenture" xlink:label="us-gaap_ProceedsFromDivestitureOfInterestInJointVenture" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromDivestitureOfInterestInJointVenture-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Joint venture distributions</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromDivestitureOfInterestInJointVenture" xlink:to="us-gaap_ProceedsFromDivestitureOfInterestInJointVenture-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Benefits, undiscounted</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitUndiscountedBeforeReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross premiums, undiscounted</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumUndiscountedBeforeReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongDurationInsuranceContractsDisclosureTextBlock" xlink:label="us-gaap_LongDurationInsuranceContractsDisclosureTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LongDurationInsuranceContractsDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Duration Insurance Contracts Disclosure [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongDurationInsuranceContractsDisclosureTextBlock" xlink:to="us-gaap_LongDurationInsuranceContractsDisclosureTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceWithdrawal" xlink:label="us-gaap_PolicyholderAccountBalanceWithdrawal" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceWithdrawal-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PolicyholderAccountBalanceWithdrawal</link:label>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceWithdrawal-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Withdrawals</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceWithdrawal" xlink:to="us-gaap_PolicyholderAccountBalanceWithdrawal-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement" xlink:label="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement" xlink:type="locator"/>
    <link:label xlink:label="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement</link:label>
    <link:label xlink:label="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Assets held in trust under coinsurance agreement</link:label>
    <link:label xlink:label="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of increase (decrease) in assets held in trust under a coinsurance agreement.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement" xlink:to="ftfc_IncreaseDecreaseInAssetsHeldInTrustUnderCoinsuranceAgreement-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FundsWithheldUnderCoinsuranceAgreements" xlink:label="ftfc_FundsWithheldUnderCoinsuranceAgreements" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FundsWithheldUnderCoinsuranceAgreements-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Funds withheld under coinsurance agreement</link:label>
    <link:label xlink:label="ftfc_FundsWithheldUnderCoinsuranceAgreements-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of funds that are withheld under certain coinsurance agreements.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FundsWithheldUnderCoinsuranceAgreements" xlink:to="ftfc_FundsWithheldUnderCoinsuranceAgreements-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateDomain" xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, above Guaranteed Minimum Crediting Rate [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateDomain" xlink:to="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAtGuaranteedMinimumCreditingRateMember" xlink:label="us-gaap_PolicyholderAccountBalanceAtGuaranteedMinimumCreditingRateMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAtGuaranteedMinimumCreditingRateMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, at Guaranteed Minimum Crediting Rate [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAtGuaranteedMinimumCreditingRateMember" xlink:to="us-gaap_PolicyholderAccountBalanceAtGuaranteedMinimumCreditingRateMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeDomain" xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate Range [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeDomain" xlink:to="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalancePeriodIncreaseDecrease" xlink:label="us-gaap_PolicyholderAccountBalancePeriodIncreaseDecrease" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalancePeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (decrease)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalancePeriodIncreaseDecrease" xlink:to="us-gaap_PolicyholderAccountBalancePeriodIncreaseDecrease-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateTableTextBlock" xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateTableTextBlock" xlink:to="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss) before income tax expense (benefit)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:to="us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StatementOfStockholdersEquityAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="us-gaap_StatementOfStockholdersEquityAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConversionOfStockByUniqueDescriptionAxis" xlink:label="us-gaap_ConversionOfStockByUniqueDescriptionAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ConversionOfStockByUniqueDescriptionAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Conversion Description [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConversionOfStockByUniqueDescriptionAxis" xlink:to="us-gaap_ConversionOfStockByUniqueDescriptionAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRate" xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRate" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholders' account balances with guaranteed minimum crediting rates</link:label>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, above Guaranteed Minimum Crediting Rate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRate" xlink:to="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRate-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StatementOfCashFlowsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConversionOfStockNameDomain" xlink:label="us-gaap_ConversionOfStockNameDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ConversionOfStockNameDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Conversion of Stock, Name [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConversionOfStockNameDomain" xlink:to="us-gaap_ConversionOfStockNameDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:label="us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivablePortfolioSegmentAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablePortfolioSegmentAxis" xlink:to="us-gaap_FinancingReceivablePortfolioSegmentAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TotalNoncashImpactOnInvestingActivities" xlink:label="ftfc_TotalNoncashImpactOnInvestingActivities" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TotalNoncashImpactOnInvestingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net cash used in investing activities</link:label>
    <link:label xlink:label="ftfc_TotalNoncashImpactOnInvestingActivities-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of noncash impact on investing activities.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TotalNoncashImpactOnInvestingActivities" xlink:to="ftfc_TotalNoncashImpactOnInvestingActivities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive income</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive income (loss)</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="us-gaap_StockholdersEquityAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StockholdersEquityAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shareholders' equity</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="us-gaap_StatementEquityComponentsAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StatementEquityComponentsAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementEquityComponentsAxis" xlink:to="us-gaap_StatementEquityComponentsAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfStockIssuanceCosts" xlink:label="us-gaap_PaymentsOfStockIssuanceCosts" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PaymentsOfStockIssuanceCosts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsOfStockIssuanceCosts</link:label>
    <link:label xlink:label="us-gaap_PaymentsOfStockIssuanceCosts-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payments of Stock Issuance Costs</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfStockIssuanceCosts" xlink:to="us-gaap_PaymentsOfStockIssuanceCosts-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:label="us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivablePortfolioSegmentDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Portfolio Segment [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablePortfolioSegmentDomain" xlink:to="us-gaap_FinancingReceivablePortfolioSegmentDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain" xlink:label="us-gaap_EquityComponentDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_EquityComponentDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="us-gaap_FairValueInputsLevel2Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueInputsLevel2Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel2Member" xlink:to="us-gaap_FairValueInputsLevel2Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="us-gaap_FairValueInputsLevel3Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueInputsLevel3Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 3 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:label="us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember" xlink:to="us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Attributable to Parent [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="us-gaap_FairValueInputsLevel1Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueInputsLevel1Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel1Member" xlink:to="us-gaap_FairValueInputsLevel1Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="us-gaap_AdditionalPaidInCapitalMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AdditionalPaidInCapitalMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalMember" xlink:to="us-gaap_AdditionalPaidInCapitalMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsMember" xlink:label="us-gaap_RetainedEarningsMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RetainedEarningsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember" xlink:label="us-gaap_CorporateDebtSecuritiesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CorporateDebtSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Debt Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CorporateDebtSecuritiesMember" xlink:to="us-gaap_CorporateDebtSecuritiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:label="us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ForeignGovernmentDebtSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Security, Government, Non-US [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ForeignGovernmentDebtSecuritiesMember" xlink:to="us-gaap_ForeignGovernmentDebtSecuritiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainOnSaleOfInvestments" xlink:label="us-gaap_GainOnSaleOfInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_GainOnSaleOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_GainOnSaleOfInvestments</link:label>
    <link:label xlink:label="us-gaap_GainOnSaleOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross realized gains on sale of investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainOnSaleOfInvestments" xlink:to="us-gaap_GainOnSaleOfInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LossOnSaleOfInvestments" xlink:label="us-gaap_LossOnSaleOfInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LossOnSaleOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LossOnSaleOfInvestments</link:label>
    <link:label xlink:label="us-gaap_LossOnSaleOfInvestments-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Gross realized losses on sale of investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossOnSaleOfInvestments" xlink:to="us-gaap_LossOnSaleOfInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_BenefitsAndClaimsAbstract" xlink:label="ftfc_BenefitsAndClaimsAbstract" xlink:type="locator"/>
    <link:label xlink:label="ftfc_BenefitsAndClaimsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Benefits and claims</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_BenefitsAndClaimsAbstract" xlink:to="ftfc_BenefitsAndClaimsAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts" xlink:label="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts" xlink:type="locator"/>
    <link:label xlink:label="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to deferred acquisition costs</link:label>
    <link:label xlink:label="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts</link:label>
    <link:label xlink:label="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Other comprehensive income loss adjustment to deferred acquisition costs.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts" xlink:to="ftfc_OtherComprehensiveIncomeLossAdjustmentToDeferredAcquisitionCosts-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FamilyBenefitLifeInsuranceCompanyMember" xlink:label="ftfc_FamilyBenefitLifeInsuranceCompanyMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FamilyBenefitLifeInsuranceCompanyMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Family Benefit Life Insurance Company [Member]</link:label>
    <link:label xlink:label="ftfc_FamilyBenefitLifeInsuranceCompanyMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Family benefit life insurance company.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FamilyBenefitLifeInsuranceCompanyMember" xlink:to="ftfc_FamilyBenefitLifeInsuranceCompanyMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:label="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock" xlink:to="us-gaap_ScheduleOfComprehensiveIncomeLossTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsHeldInTrustAbstract" xlink:label="us-gaap_AssetsHeldInTrustAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AssetsHeldInTrustAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets held in trust under coinsurance agreement</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsHeldInTrustAbstract" xlink:to="us-gaap_AssetsHeldInTrustAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PremiumGrowthFunds" xlink:label="ftfc_PremiumGrowthFunds" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PremiumGrowthFunds-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Premiun growth funds</link:label>
    <link:label xlink:label="ftfc_PremiumGrowthFunds-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of liability due to policyholder for premium growth funds.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PremiumGrowthFunds" xlink:to="ftfc_PremiumGrowthFunds-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member" xlink:label="ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate, Less Than 0200 [Member]</link:label>
    <link:label xlink:label="ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range of guaranteed minimum crediting rate on policyholder account balance less than 2.00 percent.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member" xlink:to="ftfc_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateLessThan0200Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock" xlink:label="us-gaap_ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Amounts Recognized in Other Comprehensive Income (Loss) [Table Text Block]</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProvisionForLoanLeaseAndOtherLosses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance for mortgage loan losses</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLeaseAndOtherLosses" xlink:to="us-gaap_ProvisionForLoanLeaseAndOtherLosses-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities, amortized cost</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Amortized Cost</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed maturity available-for-sale securities - amortized cost</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsHeldInTrust" xlink:label="us-gaap_AssetsHeldInTrust" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AssetsHeldInTrust-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AssetsHeldInTrust</link:label>
    <link:label xlink:label="us-gaap_AssetsHeldInTrust-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets held in trust under coinsurance agreement</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsHeldInTrust" xlink:to="us-gaap_AssetsHeldInTrust-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NumberOfPrivatePlacements" xlink:label="ftfc_NumberOfPrivatePlacements" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NumberOfPrivatePlacements-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_NumberOfPrivatePlacements</link:label>
    <link:label xlink:label="ftfc_NumberOfPrivatePlacements-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number Of Private Placements</link:label>
    <link:label xlink:label="ftfc_NumberOfPrivatePlacements-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of private placements.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NumberOfPrivatePlacements" xlink:to="ftfc_NumberOfPrivatePlacements-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NumberOfLoansPastDue" xlink:label="ftfc_NumberOfLoansPastDue" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NumberOfLoansPastDue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_NumberOfLoansPastDue</link:label>
    <link:label xlink:label="ftfc_NumberOfLoansPastDue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number Of Loans Past Due</link:label>
    <link:label xlink:label="ftfc_NumberOfLoansPastDue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of loans past due.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NumberOfLoansPastDue" xlink:to="ftfc_NumberOfLoansPastDue-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PastDueLoansTermPastDue" xlink:label="ftfc_PastDueLoansTermPastDue" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PastDueLoansTermPastDue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PastDueLoansTermPastDue</link:label>
    <link:label xlink:label="ftfc_PastDueLoansTermPastDue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Past Due Loans, Term Past Due (Year)</link:label>
    <link:label xlink:label="ftfc_PastDueLoansTermPastDue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Past due loans term past due.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PastDueLoansTermPastDue" xlink:to="ftfc_PastDueLoansTermPastDue-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities" xlink:label="ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities" xlink:type="locator"/>
    <link:label xlink:label="ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Available-for-sale fixed maturity securities</link:label>
    <link:label xlink:label="ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income</link:label>
    <link:label xlink:label="ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unrealized appreciation or depreciation on available-for-sale securities.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities" xlink:to="ftfc_UnrealizedAppreciationDepreciationOnAvailableforsaleSecurities-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AdjustmentToDeferredAcquisitionCosts" xlink:label="ftfc_AdjustmentToDeferredAcquisitionCosts" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AdjustmentToDeferredAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Future policy benefits related to discount rate</link:label>
    <link:label xlink:label="ftfc_AdjustmentToDeferredAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjustment to deferred acquisition costs.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AdjustmentToDeferredAcquisitionCosts" xlink:to="ftfc_AdjustmentToDeferredAcquisitionCosts-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_DeferredIncomeTaxes" xlink:label="ftfc_DeferredIncomeTaxes" xlink:type="locator"/>
    <link:label xlink:label="ftfc_DeferredIncomeTaxes-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred income taxes</link:label>
    <link:label xlink:label="ftfc_DeferredIncomeTaxes-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Deferred income taxes.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_DeferredIncomeTaxes" xlink:to="ftfc_DeferredIncomeTaxes-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Allowance, beginning</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Allowance, ending</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefits" xlink:label="us-gaap_LiabilityForFuturePolicyBenefits" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefits-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefits</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefits-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Future policy benefits</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefits-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total future policy benefits</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefits" xlink:to="us-gaap_LiabilityForFuturePolicyBenefits-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DeferredIncomeTaxLiabilitiesNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred federal income taxes</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:to="us-gaap_DeferredIncomeTaxLiabilitiesNet-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceTableTextBlock" xlink:label="us-gaap_PolicyholderAccountBalanceTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceTableTextBlock" xlink:to="us-gaap_PolicyholderAccountBalanceTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeAxis" xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate Range [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeAxis" xlink:to="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="us-gaap_FairValueDisclosuresTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueDisclosuresTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosuresTextBlock" xlink:to="us-gaap_FairValueDisclosuresTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByBalanceSheetGroupingTextBlock" xlink:to="us-gaap_FairValueByBalanceSheetGroupingTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderFunds" xlink:label="us-gaap_PolicyholderFunds" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderFunds-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PolicyholderFunds</link:label>
    <link:label xlink:label="us-gaap_PolicyholderFunds-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Policyholders' account balances</link:label>
    <link:label xlink:label="us-gaap_PolicyholderFunds-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Policyholders' account balances'</link:label>
    <link:label xlink:label="us-gaap_PolicyholderFunds-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance</link:label>
    <link:label xlink:label="us-gaap_PolicyholderFunds-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderFunds" xlink:to="us-gaap_PolicyholderFunds-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="us-gaap_RealizedInvestmentGainsLosses" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RealizedInvestmentGainsLosses-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net realized investment gains</link:label>
    <link:label xlink:label="us-gaap_RealizedInvestmentGainsLosses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net realized investment gains</link:label>
    <link:label xlink:label="us-gaap_RealizedInvestmentGainsLosses-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net realized investment gains</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealizedInvestmentGainsLosses" xlink:to="us-gaap_RealizedInvestmentGainsLosses-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CurrentIncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current federal income tax expense</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CurrentIncomeTaxExpenseBenefit" xlink:to="us-gaap_CurrentIncomeTaxExpenseBenefit-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LossContingencyNumberOfLawsuits" xlink:label="ftfc_LossContingencyNumberOfLawsuits" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LossContingencyNumberOfLawsuits-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LossContingencyNumberOfLawsuits</link:label>
    <link:label xlink:label="ftfc_LossContingencyNumberOfLawsuits-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss Contingency, Number of Lawsuits</link:label>
    <link:label xlink:label="ftfc_LossContingencyNumberOfLawsuits-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the number of lawsuits.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LossContingencyNumberOfLawsuits" xlink:to="ftfc_LossContingencyNumberOfLawsuits-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateAxis" xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, above Guaranteed Minimum Crediting Rate [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateAxis" xlink:to="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</link:label>
    <link:label xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Accretion of discount on investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyTable" xlink:label="ftfc_PolicyTable" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PolicyTable</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyTable" xlink:to="ftfc_PolicyTable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceWeightedAverageCreditingRate" xlink:label="us-gaap_PolicyholderAccountBalanceWeightedAverageCreditingRate" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceWeightedAverageCreditingRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Crediting Rate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceWeightedAverageCreditingRate" xlink:to="us-gaap_PolicyholderAccountBalanceWeightedAverageCreditingRate-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireEquitySecuritiesFvNi" xlink:label="us-gaap_PaymentsToAcquireEquitySecuritiesFvNi" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PaymentsToAcquireEquitySecuritiesFvNi-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsToAcquireEquitySecuritiesFvNi</link:label>
    <link:label xlink:label="us-gaap_PaymentsToAcquireEquitySecuritiesFvNi-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of equity securities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireEquitySecuritiesFvNi" xlink:to="us-gaap_PaymentsToAcquireEquitySecuritiesFvNi-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi" xlink:label="us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from realized capital gains, equity securities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi" xlink:to="us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:label="us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MortgagesHeldForSaleFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_MortgagesHeldForSaleFairValueDisclosure</link:label>
    <link:label xlink:label="us-gaap_MortgagesHeldForSaleFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans on real estate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgagesHeldForSaleFairValueDisclosure" xlink:to="us-gaap_MortgagesHeldForSaleFairValueDisclosure-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TLICMember" xlink:label="ftfc_TLICMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TLICMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">TLIC [Member]</link:label>
    <link:label xlink:label="ftfc_TLICMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">TLIC.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TLICMember" xlink:to="ftfc_TLICMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_CoopLoansMember" xlink:label="ftfc_CoopLoansMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_CoopLoansMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Co-op Loans [Member]</link:label>
    <link:label xlink:label="ftfc_CoopLoansMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents co-op loans.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_CoopLoansMember" xlink:to="ftfc_CoopLoansMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="us-gaap_AccruedInvestmentIncomeReceivable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AccruedInvestmentIncomeReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AccruedInvestmentIncomeReceivable</link:label>
    <link:label xlink:label="us-gaap_AccruedInvestmentIncomeReceivable-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued investment income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedInvestmentIncomeReceivable" xlink:to="us-gaap_AccruedInvestmentIncomeReceivable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities" xlink:label="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities</link:label>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Future policy benefits</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities" xlink:to="us-gaap_IncreaseDecreaseInFuturePolicyBenefitReservesAndOtherInsuranceLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax" xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax</link:label>
    <link:label xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Effect of changes in discount rate</link:label>
    <link:label xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Effect of changes in disount rate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax" xlink:to="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedNetPremiumBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax" xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax</link:label>
    <link:label xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Effect of changes in discount rate</link:label>
    <link:label xlink:label="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Effect of changes in disount rate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax" xlink:to="us-gaap_AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsAxis" xlink:label="us-gaap_OtherCommitmentsAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherCommitmentsAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherCommitmentsAxis" xlink:to="us-gaap_OtherCommitmentsAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitmentsDomain" xlink:label="us-gaap_OtherCommitmentsDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherCommitmentsDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherCommitmentsDomain" xlink:to="us-gaap_OtherCommitmentsDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AdditionalPaidInCapital-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional paid-in capital</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="us-gaap_AdditionalPaidInCapital-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubsequentEventsPolicyPolicyTextBlock" xlink:label="us-gaap_SubsequentEventsPolicyPolicyTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_SubsequentEventsPolicyPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubsequentEventsPolicyPolicyTextBlock" xlink:to="us-gaap_SubsequentEventsPolicyPolicyTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionsToContractHoldersFunds" xlink:label="us-gaap_AdditionsToContractHoldersFunds" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AdditionsToContractHoldersFunds-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholders' account deposits</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionsToContractHoldersFunds" xlink:to="us-gaap_AdditionsToContractHoldersFunds-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UseOfEstimates" xlink:label="us-gaap_UseOfEstimates" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_UseOfEstimates-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Use of Estimates, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UseOfEstimates" xlink:to="us-gaap_UseOfEstimates-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LandHeldForInvestmentMember" xlink:label="ftfc_LandHeldForInvestmentMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LandHeldForInvestmentMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land Held for Investment [Member]</link:label>
    <link:label xlink:label="ftfc_LandHeldForInvestmentMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the land held for investment.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LandHeldForInvestmentMember" xlink:to="ftfc_LandHeldForInvestmentMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsTextBlock1" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsTextBlock1" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostsTextBlock1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Policy Acquisition Costs [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsTextBlock1" xlink:to="us-gaap_DeferredPolicyAcquisitionCostsTextBlock1-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" xlink:label="us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrealized Gain (Loss) on Investments [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock" xlink:to="us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:label="us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Policy Acquisition Costs [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock" xlink:to="us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireOtherInvestments" xlink:label="us-gaap_PaymentsToAcquireOtherInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PaymentsToAcquireOtherInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsToAcquireOtherInvestments</link:label>
    <link:label xlink:label="us-gaap_PaymentsToAcquireOtherInvestments-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of other long-term investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireOtherInvestments" xlink:to="us-gaap_PaymentsToAcquireOtherInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgagesMember" xlink:label="us-gaap_MortgagesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MortgagesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgages [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgagesMember" xlink:to="us-gaap_MortgagesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueStockDividend" xlink:label="us-gaap_StockIssuedDuringPeriodValueStockDividend" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StockIssuedDuringPeriodValueStockDividend-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_StockIssuedDuringPeriodValueStockDividend</link:label>
    <link:label xlink:label="us-gaap_StockIssuedDuringPeriodValueStockDividend-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, Stock Dividend</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodValueStockDividend" xlink:to="us-gaap_StockIssuedDuringPeriodValueStockDividend-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount" xlink:label="us-gaap_DebtInstrumentFaceAmount" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtInstrumentFaceAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtInstrumentFaceAmount</link:label>
    <link:label xlink:label="us-gaap_DebtInstrumentFaceAmount-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentFaceAmount" xlink:to="us-gaap_DebtInstrumentFaceAmount-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_StockIssuedDuringPeriodSharesNewIssues</link:label>
    <link:label xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Shares, New Issues (in shares)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodSharesNewIssues-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:label="us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent</link:label>
    <link:label xlink:label="us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less amounts reclassified from accumulated other comprehensive loss having no credit losses, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent" xlink:to="us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtInstrumentInterestRateStatedPercentage</link:label>
    <link:label xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="us-gaap_DebtInstrumentInterestRateStatedPercentage-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:label="us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income before reclassifications, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent" xlink:to="us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain" xlink:label="us-gaap_ClassOfStockDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ClassOfStockDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:label="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="us-gaap_RelatedPartyTransactionsByRelatedPartyAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ServiceFeesAndOtherIncome" xlink:label="ftfc_ServiceFeesAndOtherIncome" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ServiceFeesAndOtherIncome-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Service fees and other income</link:label>
    <link:label xlink:label="ftfc_ServiceFeesAndOtherIncome-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of service fees and other income.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ServiceFeesAndOtherIncome" xlink:to="ftfc_ServiceFeesAndOtherIncome-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockSharesAcquired" xlink:label="us-gaap_TreasuryStockSharesAcquired" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TreasuryStockSharesAcquired-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TreasuryStockSharesAcquired</link:label>
    <link:label xlink:label="us-gaap_TreasuryStockSharesAcquired-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury Stock, Shares, Acquired (in shares)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockSharesAcquired" xlink:to="us-gaap_TreasuryStockSharesAcquired-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_FixedMaturitiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Maturities [Member]</link:label>
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    <link:label xlink:label="us-gaap_RealEstateInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment real estate</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateInvestments" xlink:to="us-gaap_RealEstateInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:label="us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CashFlowSupplementalDisclosuresTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow, Supplemental Disclosures [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:to="us-gaap_CashFlowSupplementalDisclosuresTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember" xlink:label="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Including Additional Paid in Capital [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember" xlink:to="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating activities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesMember" xlink:label="us-gaap_DebtSecuritiesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesMember" xlink:to="us-gaap_DebtSecuritiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investing activities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NetCashProvidedByUsedInOperatingActivities</link:label>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by operating activities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing activities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NetCashProvidedByUsedInInvestingActivities</link:label>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash used in investing activities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NetCashProvidedByUsedInFinancingActivities</link:label>
    <link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash used in financing activities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityPolicyTextBlock" xlink:label="us-gaap_StockholdersEquityPolicyTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StockholdersEquityPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stockholders' Equity, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityPolicyTextBlock" xlink:to="us-gaap_StockholdersEquityPolicyTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt</link:label>
    <link:label xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchases of fixed maturity securities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales of fixed maturity securities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_RealEstateInvestmentPropertyAtCost-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_RealEstateInvestmentPropertyAtCost</link:label>
    <link:label xlink:label="us-gaap_RealEstateInvestmentPropertyAtCost-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment real estate</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealizedGainLossOnInvestmentsTableTextBlock" xlink:to="us-gaap_RealizedGainLossOnInvestmentsTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_RoyaltyCapitalLifeInsuranceCompanyRCLICMember" xlink:label="ftfc_RoyaltyCapitalLifeInsuranceCompanyRCLICMember" xlink:type="locator"/>
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    <link:label xlink:label="ftfc_RoyaltyCapitalLifeInsuranceCompanyRCLICMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents Royalty Capital Life Insurance Company (&#8220;RCLIC&#8221;).</link:label>
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    <link:label xlink:label="us-gaap_OperatingSegmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Segments [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingSegmentsMember" xlink:to="us-gaap_OperatingSegmentsMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_AccountingPoliciesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="us-gaap_AccountingPoliciesAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentDomain" xlink:label="us-gaap_SegmentDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_SegmentDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentDomain" xlink:to="us-gaap_SegmentDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:label="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage-Backed Security, Issued by US Government-Sponsored Enterprise [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember" xlink:to="us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_USTreasuryAndGovernmentMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US Treasury and Government [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USTreasuryAndGovernmentMember" xlink:to="us-gaap_USTreasuryAndGovernmentMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_GrossInvestmentIncomeOperating-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross Investment income</link:label>
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    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_USStatesAndPoliticalSubdivisionsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">US States and Political Subdivisions Debt Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:to="us-gaap_USStatesAndPoliticalSubdivisionsMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_CorporateMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Segment [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CorporateMember" xlink:to="us-gaap_CorporateMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_IncomeStatementAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
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    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed maturity available-for-sale securities - fair value</link:label>
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    <link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deferred federal income tax expense</link:label>
    <link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred federal income tax expense</link:label>
    <link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for deferred federal income tax expense (benefit)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockCommonValue" xlink:label="us-gaap_TreasuryStockCommonValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TreasuryStockCommonValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TreasuryStockCommonValue</link:label>
    <link:label xlink:label="us-gaap_TreasuryStockCommonValue-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Treasury stock, at cost (298,516 shares as of June 30, 2026 and December 31, 2025)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockCommonValue" xlink:to="us-gaap_TreasuryStockCommonValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease" xlink:label="us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease" xlink:to="us-gaap_DeferredPolicyAcquisitionCostsPeriodIncreaseDecrease-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_TreasuryStockCommonShares-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common, Shares (in shares)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockCommonShares" xlink:to="us-gaap_TreasuryStockCommonShares-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostsAdditions-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Capitalized</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostsAdditions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DeferredPolicyAcquisitionCostsAdditions</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostsAdditions-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Policy Acquisition Cost, Capitalization</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostsAdditions" xlink:to="us-gaap_DeferredPolicyAcquisitionCostsAdditions-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Available-for-Sale Securities Reconciliation [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Amortization of deferred policy acquisition costs</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of deferred policy acquisition costs</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of policy acquisition cost</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Policy acquisition costs deferred net of amortization</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:to="us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockCommonMember" xlink:label="us-gaap_TreasuryStockCommonMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TreasuryStockCommonMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Common [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockCommonMember" xlink:to="us-gaap_TreasuryStockCommonMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RedeemablePreferredStockMember" xlink:label="us-gaap_RedeemablePreferredStockMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RedeemablePreferredStockMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Redeemable Preferred Stock [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RedeemablePreferredStockMember" xlink:to="us-gaap_RedeemablePreferredStockMember-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred policy acquisition costs</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Deferred policy acquisition costs</link:label>
    <link:label xlink:label="us-gaap_DeferredPolicyAcquisitionCosts-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Deferred policy acquisition costs</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredPolicyAcquisitionCosts" xlink:to="us-gaap_DeferredPolicyAcquisitionCosts-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss" xlink:label="us-gaap_NetIncomeLoss" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_NetIncomeLoss-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label xlink:label="us-gaap_NetIncomeLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:label xlink:label="us-gaap_NetIncomeLoss-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_AmortizationOfValueOfBusinessAcquiredVOBA-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of value of insurance business acquired</link:label>
    <link:label xlink:label="us-gaap_AmortizationOfValueOfBusinessAcquiredVOBA-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortization of value of insurance business acquired</link:label>
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    <link:label xlink:label="us-gaap_NetInvestmentIncome-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net investment income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetInvestmentIncome" xlink:to="us-gaap_NetInvestmentIncome-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonClassAMember" xlink:label="us-gaap_CommonClassAMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommonClassAMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Class A [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonClassAMember" xlink:to="us-gaap_CommonClassAMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AreaOfLand" xlink:label="us-gaap_AreaOfLand" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AreaOfLand-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AreaOfLand</link:label>
    <link:label xlink:label="us-gaap_AreaOfLand-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Area of Land (Acre)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AreaOfLand" xlink:to="us-gaap_AreaOfLand-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TypeOfAdoptionMember" xlink:label="us-gaap_TypeOfAdoptionMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TypeOfAdoptionMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TypeOfAdoptionMember" xlink:to="us-gaap_TypeOfAdoptionMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCommitment" xlink:label="us-gaap_OtherCommitment" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherCommitment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherCommitment</link:label>
    <link:label xlink:label="us-gaap_OtherCommitment-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Commitment</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherCommitment" xlink:to="us-gaap_OtherCommitment-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:label="us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage loans on real estate</link:label>
    <link:label xlink:label="us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage loans on real estate, commercial and consumer, net</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet" xlink:to="us-gaap_MortgageLoansOnRealEstateCommercialAndConsumerNet-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_IncomeTaxDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Disclosure [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="us-gaap_IncomeTaxDisclosureTextBlock-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_ReinsuranceAccountingPolicy-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reinsurance Accounting Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReinsuranceAccountingPolicy" xlink:to="us-gaap_ReinsuranceAccountingPolicy-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_AssetBackedSecuritiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset-Backed Securities [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetBackedSecuritiesMember" xlink:to="us-gaap_AssetBackedSecuritiesMember-label" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:to="us-gaap_ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Benefit payments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitsPaymentForBenefits-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_ReinsuranceRecoverables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recoverable from reinsurers</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReinsuranceRecoverables" xlink:to="us-gaap_ReinsuranceRecoverables-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_AssetImpairmentCharges-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AssetImpairmentCharges</link:label>
    <link:label xlink:label="us-gaap_AssetImpairmentCharges-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loss on impairments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetImpairmentCharges" xlink:to="us-gaap_AssetImpairmentCharges-label" xlink:type="arc"/>
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    <link:label xlink:label="us-gaap_RelatedPartyDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyDomain" xlink:to="us-gaap_RelatedPartyDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInReinsuranceRecoverable</link:label>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInReinsuranceRecoverable-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Recoverable from reinsurers</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:to="us-gaap_IncreaseDecreaseInReinsuranceRecoverable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:label="us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TreasuryStockValueAcquiredCostMethod-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TreasuryStockValueAcquiredCostMethod</link:label>
    <link:label xlink:label="us-gaap_TreasuryStockValueAcquiredCostMethod-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Treasury Stock, Value, Acquired, Cost Method</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:to="us-gaap_TreasuryStockValueAcquiredCostMethod-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromLoansReceivable" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsForProceedsFromLoansReceivable</link:label>
    <link:label xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net change in receivable and payable for securities sold and purchased</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansReceivable" xlink:to="us-gaap_PaymentsForProceedsFromLoansReceivable-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_CashAndCashEquivalentNetOfOverdrafts" xlink:label="ftfc_CashAndCashEquivalentNetOfOverdrafts" xlink:type="locator"/>
    <link:label xlink:label="ftfc_CashAndCashEquivalentNetOfOverdrafts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_CashAndCashEquivalentNetOfOverdrafts</link:label>
    <link:label xlink:label="ftfc_CashAndCashEquivalentNetOfOverdrafts-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label xlink:label="ftfc_CashAndCashEquivalentNetOfOverdrafts-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of cash and cash equivalent. Cash includes, but is not limited to, currency on hand, demand deposit with financial institution, and account with general characteristic of demand deposit. Cash equivalent includes, but is not limited to, short-term, highly liquid investment that is both readily convertible to known amount of cash and so near maturity that it presents insignificant risk of change in value because of change in interest rate.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_CashAndCashEquivalentNetOfOverdrafts" xlink:to="ftfc_CashAndCashEquivalentNetOfOverdrafts-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceCommissionsAndFees" xlink:label="us-gaap_InsuranceCommissionsAndFees" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InsuranceCommissionsAndFees-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Service fees</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InsuranceCommissionsAndFees" xlink:to="us-gaap_InsuranceCommissionsAndFees-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="us-gaap_FairValueByMeasurementBasisAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueByMeasurementBasisAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByMeasurementBasisAxis" xlink:to="us-gaap_FairValueByMeasurementBasisAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Allowance for Credit Loss [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleAllowanceForCreditLossTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssetsFairValueDisclosure" xlink:label="us-gaap_OtherAssetsFairValueDisclosure" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherAssetsFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherAssetsFairValueDisclosure</link:label>
    <link:label xlink:label="us-gaap_OtherAssetsFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Assets, Fair Value Disclosure</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssetsFairValueDisclosure" xlink:to="us-gaap_OtherAssetsFairValueDisclosure-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NumberOfMortgageLoansInDefault" xlink:label="ftfc_NumberOfMortgageLoansInDefault" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NumberOfMortgageLoansInDefault-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_NumberOfMortgageLoansInDefault</link:label>
    <link:label xlink:label="ftfc_NumberOfMortgageLoansInDefault-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Mortgage Loans in Default</link:label>
    <link:label xlink:label="ftfc_NumberOfMortgageLoansInDefault-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of mortgage loans in default.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NumberOfMortgageLoansInDefault" xlink:to="ftfc_NumberOfMortgageLoansInDefault-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransferToInvestments" xlink:label="us-gaap_TransferToInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_TransferToInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TransferToInvestments</link:label>
    <link:label xlink:label="us-gaap_TransferToInvestments-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Investment real estate held-for-sale acquired through foreclosure</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransferToInvestments" xlink:to="us-gaap_TransferToInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="us-gaap_FairValueMeasurementFrequencyDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementFrequencyDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Frequency [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementFrequencyDomain" xlink:to="us-gaap_FairValueMeasurementFrequencyDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OpenTaxYear" xlink:label="us-gaap_OpenTaxYear" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OpenTaxYear-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OpenTaxYear</link:label>
    <link:label xlink:label="us-gaap_OpenTaxYear-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Open Tax Year</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OpenTaxYear" xlink:to="us-gaap_OpenTaxYear-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StatementOfFinancialPositionAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfFinancialPositionAbstract" xlink:to="us-gaap_StatementOfFinancialPositionAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:label="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable</link:label>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Accrued investment income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:to="us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ValueOfBusinessAcquiredVOBA" xlink:label="us-gaap_ValueOfBusinessAcquiredVOBA" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ValueOfBusinessAcquiredVOBA-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Value of insurance business acquired</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ValueOfBusinessAcquiredVOBA" xlink:to="us-gaap_ValueOfBusinessAcquiredVOBA-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ProceedsFromLegalSettlementsShares" xlink:label="ftfc_ProceedsFromLegalSettlementsShares" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ProceedsFromLegalSettlementsShares-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_ProceedsFromLegalSettlementsShares</link:label>
    <link:label xlink:label="ftfc_ProceedsFromLegalSettlementsShares-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from Legal Settlements, Shares</link:label>
    <link:label xlink:label="ftfc_ProceedsFromLegalSettlementsShares-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of shares received for the settlement of litigation during the current period.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ProceedsFromLegalSettlementsShares" xlink:to="ftfc_ProceedsFromLegalSettlementsShares-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsCommonStock" xlink:label="us-gaap_DividendsCommonStock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DividendsCommonStock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DividendsCommonStock</link:label>
    <link:label xlink:label="us-gaap_DividendsCommonStock-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DividendsCommonStock" xlink:to="us-gaap_DividendsCommonStock-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition" xlink:label="ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition</link:label>
    <link:label xlink:label="ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortized Cost of Debt Securities Available for Sale in an Unrealized Loss Position</link:label>
    <link:label xlink:label="ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amortized cost of debt securities available for sale in an unrealized loss position.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition" xlink:to="ftfc_AmortizedCostOfDebtSecuritiesAvailableForSaleInAnUnrealizedLossPosition-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NewInvestmentsMember" xlink:label="ftfc_NewInvestmentsMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NewInvestmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Investments [Member]</link:label>
    <link:label xlink:label="ftfc_NewInvestmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents new investments.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NewInvestmentsMember" xlink:to="ftfc_NewInvestmentsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Recoveries</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherAssets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssets-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MutualFundMember" xlink:label="us-gaap_MutualFundMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_MutualFundMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mutual Fund [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MutualFundMember" xlink:to="us-gaap_MutualFundMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Charge offs</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability" xlink:label="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Deferred policy liability</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred profit liability</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract classified as a deferred profit liability.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability" xlink:to="ftfc_LiabilityForFuturePolicyBenefitDeferredProfitLiability-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="us-gaap_FairValueMeasurementsRecurringMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementsRecurringMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementsRecurringMember" xlink:to="us-gaap_FairValueMeasurementsRecurringMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Excluding Accrued Interest, Allowance for Credit Loss, Period Increase (Decrease)</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Debt Securities, Available-for-Sale, Excluding Accrued Interest, Allowance for Credit Loss, Period Increase (Decrease)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AdvancesToLoanOriginator" xlink:label="ftfc_AdvancesToLoanOriginator" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AdvancesToLoanOriginator-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_AdvancesToLoanOriginator</link:label>
    <link:label xlink:label="ftfc_AdvancesToLoanOriginator-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Advances To Loan Originator</link:label>
    <link:label xlink:label="ftfc_AdvancesToLoanOriginator-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of advances sent to a loan originator.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AdvancesToLoanOriginator" xlink:to="ftfc_AdvancesToLoanOriginator-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInOtherOperatingAssets</link:label>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other assets (excludes change in receivable for securities sold of $8,561 in 2025)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_OneLoanOriginatorAndInvestmentsMember" xlink:label="ftfc_OneLoanOriginatorAndInvestmentsMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_OneLoanOriginatorAndInvestmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">One Loan Originator and Investments [Member]</link:label>
    <link:label xlink:label="ftfc_OneLoanOriginatorAndInvestmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Refers to information regarding one loan originator and investments.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_OneLoanOriginatorAndInvestmentsMember" xlink:to="ftfc_OneLoanOriginatorAndInvestmentsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_EscrowAmountAvailable" xlink:label="ftfc_EscrowAmountAvailable" xlink:type="locator"/>
    <link:label xlink:label="ftfc_EscrowAmountAvailable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_EscrowAmountAvailable</link:label>
    <link:label xlink:label="ftfc_EscrowAmountAvailable-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Escrow Amount Available</link:label>
    <link:label xlink:label="ftfc_EscrowAmountAvailable-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of funds available in escrow for certain terms.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_EscrowAmountAvailable" xlink:to="ftfc_EscrowAmountAvailable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType" xlink:label="dei_DocumentType" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentType-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_DocumentType</link:label>
    <link:label xlink:label="dei_DocumentType-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross" xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Future policy benefits meetng ASU 2018-12 standards</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Gross amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract that meets ASU 2018-12 standards.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross" xlink:to="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812StandardsGross-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationLineItems" xlink:label="dei_DocumentInformationLineItems" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentInformationLineItems-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationLineItems-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentQuarterlyReport" xlink:label="dei_DocumentQuarterlyReport" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentQuarterlyReport-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Quarterly Report</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentQuarterlyReport" xlink:to="dei_DocumentQuarterlyReport-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trued-Up balance</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureBenefitOriginalDiscountRateBeforeReinsuranceAfterCashFlowChange-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis" xlink:label="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Participating life insurance contracts not on contribution basis</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract related to participating life insurance contracts not on contribution basis.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis" xlink:to="ftfc_LiabilityForFuturePolicyBenefitParticipatingLifeInsuranceContractsNotOnContributionBasis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross premiums, current present value</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards" xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total future policy benefits meeting ASU 2018-12 standards</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract that meets ASU 2018-12 standards.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards" xlink:to="ftfc_LiabilityForFuturePolicyBenefitMeetingASU201812Standards-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentInformationTable" xlink:label="dei_DocumentInformationTable" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentInformationTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationTable-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded" xlink:label="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Future policy benefit reinsurance ceded</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract related to reinsurance ceded.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded" xlink:to="ftfc_LiabilityForFuturePolicyBenefitReinsuranceCeded-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate" xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Benefits, original present value</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance, of discounted (at original discount rate) balance for expected future policy benefit and expense component of liability for future policy benefit.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate" xlink:to="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsuranceAtOriginalDiscountRate-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityInteractiveDataCurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityInteractiveDataCurrent</link:label>
    <link:label xlink:label="dei_EntityInteractiveDataCurrent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:label="us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued</link:label>
    <link:label xlink:label="us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration Transferred, Equity Interest, Share Issued, Number of Shares</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued" xlink:to="us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate" xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross premiums, original present value</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance, of discounted balance (at original discount rate) for expected future gross premium component of liability for future policy benefit.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate" xlink:to="ftfc_LiabilityForFuturePolicyBenefitExpectedFutureGrossPremiumDiscountedBeforeReinsuranceAtOriginalDiscountRate-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards" xlink:label="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract classified as other which does not meet ASU 2018-12 standards.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards" xlink:to="ftfc_LiabilityForFuturePolicyBenefitOtherNotMeetingASU201812Standards-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentTransitionReport" xlink:label="dei_DocumentTransitionReport" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentTransitionReport-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Transition Report</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentTransitionReport" xlink:to="dei_DocumentTransitionReport-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts" xlink:label="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Reduced paid up and extended term life insurance contracts</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract related to reduced paid up and extended term life insurance contracts.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts" xlink:to="ftfc_LiabilityForFuturePolicyBenefitReducedPaidUpAndExtendedTermLifeInsuranceContracts-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses" xlink:label="us-gaap_OperatingExpenses" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OperatingExpenses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OperatingExpenses</link:label>
    <link:label xlink:label="us-gaap_OperatingExpenses-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total expenses</link:label>
    <link:label xlink:label="us-gaap_OperatingExpenses-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other underwriting, insurance and acquisition expenses</link:label>
    <link:label xlink:label="us-gaap_OperatingExpenses-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Total expenses</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingExpenses" xlink:to="us-gaap_OperatingExpenses-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards" xlink:label="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total future policy benefits not meeting ASU 2018-12 standards</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract which does not meet ASU 2018-12 standards.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards" xlink:to="ftfc_LiabilityForFuturePolicyBenefitNotMeetingASU201812Standards-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="us-gaap_EarningsPerShareAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_EarningsPerShareAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net income per common share</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareAbstract" xlink:to="us-gaap_EarningsPerShareAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FBLICMember" xlink:label="ftfc_FBLICMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FBLICMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FBLIC [Member]</link:label>
    <link:label xlink:label="ftfc_FBLICMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to the entity by the name of FBLIC.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FBLICMember" xlink:to="ftfc_FBLICMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate" xlink:label="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Original discount rate</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Original weighted-average discount rate used to measure liability for future policy benefit.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate" xlink:to="ftfc_LiabilityForFuturePolicyBenefitOriginalWeightedAverageDiscountRate-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositAssets" xlink:label="us-gaap_DepositAssets" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DepositAssets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DepositAssets</link:label>
    <link:label xlink:label="us-gaap_DepositAssets-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deposit Assets</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositAssets" xlink:to="us-gaap_DepositAssets-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Benefits, current present value</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance, of discounted balance for expected future policy benefit and expense component of liability for future policy benefit.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance" xlink:to="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitDiscountedBeforeReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSaleOfInvestments" xlink:label="us-gaap_GainLossOnSaleOfInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_GainLossOnSaleOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Gain Loss On Sale Of Investments</link:label>
    <link:label xlink:label="us-gaap_GainLossOnSaleOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_GainLossOnSaleOfInvestments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfInvestments" xlink:to="us-gaap_GainLossOnSaleOfInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnrealizedGainLossOnInvestments" xlink:label="us-gaap_UnrealizedGainLossOnInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_UnrealizedGainLossOnInvestments-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Unrealized Gain Loss On Investments</link:label>
    <link:label xlink:label="us-gaap_UnrealizedGainLossOnInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_UnrealizedGainLossOnInvestments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrealizedGainLossOnInvestments" xlink:to="us-gaap_UnrealizedGainLossOnInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTerm" xlink:label="us-gaap_DebtInstrumentTerm" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtInstrumentTerm-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtInstrumentTerm</link:label>
    <link:label xlink:label="us-gaap_DebtInstrumentTerm-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Term</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentTerm" xlink:to="us-gaap_DebtInstrumentTerm-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic" xlink:label="us-gaap_EarningsPerShareBasic" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_EarningsPerShareBasic-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income per common share (in dollars per share)</link:label>
    <link:label xlink:label="us-gaap_EarningsPerShareBasic-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_EarningsPerShareBasic</link:label>
    <link:label xlink:label="us-gaap_EarningsPerShareBasic-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income per common share (in dollars per share)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasic" xlink:to="us-gaap_EarningsPerShareBasic-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount" xlink:label="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount" xlink:type="locator"/>
    <link:label xlink:label="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount</link:label>
    <link:label xlink:label="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage Loans on Real Estate, Commercial and Consumer, Net, Additional Amount</link:label>
    <link:label xlink:label="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The additional amount of mortgage loans on net commercial and consumer real estate.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount" xlink:to="ftfc_MortgageLoansOnRealEstateCommercialAndConsumerNetAdditionalAmount-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, 90 Days or More Past Due, Still Accruing</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing" xlink:to="us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositContractsLiabilities" xlink:label="us-gaap_DepositContractsLiabilities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DepositContractsLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total deposit-type liabilites</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositContractsLiabilities" xlink:to="us-gaap_DepositContractsLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_RelatedPartiesMember" xlink:label="ftfc_RelatedPartiesMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_RelatedPartiesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Parties [Member]</link:label>
    <link:label xlink:label="ftfc_RelatedPartiesMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Related to related parties.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_RelatedPartiesMember" xlink:to="ftfc_RelatedPartiesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderAccountDeposits" xlink:label="ftfc_PolicyholderAccountDeposits" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderAccountDeposits-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deposits</link:label>
    <link:label xlink:label="ftfc_PolicyholderAccountDeposits-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount deposited in the policyholders account.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderAccountDeposits" xlink:to="ftfc_PolicyholderAccountDeposits-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WithdrawalFromContractHoldersFunds" xlink:label="us-gaap_WithdrawalFromContractHoldersFunds" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_WithdrawalFromContractHoldersFunds-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_WithdrawalFromContractHoldersFunds</link:label>
    <link:label xlink:label="us-gaap_WithdrawalFromContractHoldersFunds-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Policyholders' account withdrawals</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WithdrawalFromContractHoldersFunds" xlink:to="us-gaap_WithdrawalFromContractHoldersFunds-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement" xlink:label="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Funds withheld under coinsurance agreement</link:label>
    <link:label xlink:label="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement</link:label>
    <link:label xlink:label="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of funds that were withheld under the coinsurance agreement.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement" xlink:to="ftfc_PolicyholderAccountFindsWithheldUnderCoinsuranceAgreement-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable" xlink:label="us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collaborative Arrangement and Arrangement Other than Collaborative [Table]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable" xlink:to="us-gaap_ScheduleOfCollaborativeArrangementsAndNoncollaborativeArrangementTransactionsTable-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceDisclosureTextBlock" xlink:label="us-gaap_InsuranceDisclosureTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InsuranceDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Disclosure [Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InsuranceDisclosureTextBlock" xlink:to="us-gaap_InsuranceDisclosureTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration" xlink:label="ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Original duration of the liability in years (Year)</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Original weighted-average duration of liability for future policy benefit, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration" xlink:to="ftfc_LiabilityForFuturePolicyBenefitWeightedAverageOriginalDuration-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InsuranceCommissions" xlink:label="us-gaap_InsuranceCommissions" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InsuranceCommissions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commissions</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InsuranceCommissions" xlink:to="us-gaap_InsuranceCommissions-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate" xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected rate</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance and current period update of cash flow assumption, of expected future policy benefit and expense component of liability for future policy benefit, discounted at original rate.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate" xlink:to="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpectedRate-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate" xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual rate</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance, of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate" xlink:to="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActualRate-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AmountInforceMember" xlink:label="ftfc_AmountInforceMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AmountInforceMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amount Inforce [Member]</link:label>
    <link:label xlink:label="ftfc_AmountInforceMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount Inforce</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AmountInforceMember" xlink:to="ftfc_AmountInforceMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember" xlink:label="us-gaap_ResidentialMortgageMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ResidentialMortgageMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Mortgage [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ResidentialMortgageMember" xlink:to="us-gaap_ResidentialMortgageMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderAccountBalanceAnnuity" xlink:label="ftfc_PolicyholderAccountBalanceAnnuity" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderAccountBalanceAnnuity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annuity</link:label>
    <link:label xlink:label="ftfc_PolicyholderAccountBalanceAnnuity-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount due to policyholder. Includes, but is not limited to, unpaid policy dividend, retrospective refund, and undistributed earnings on participating business. Excludes future policy benefit and claim expense.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderAccountBalanceAnnuity" xlink:to="ftfc_PolicyholderAccountBalanceAnnuity-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LapsationMember" xlink:label="ftfc_LapsationMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LapsationMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lapsation [Member]</link:label>
    <link:label xlink:label="ftfc_LapsationMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Lapsation</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LapsationMember" xlink:to="ftfc_LapsationMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_MortalityMember" xlink:label="ftfc_MortalityMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_MortalityMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortality [Member]</link:label>
    <link:label xlink:label="ftfc_MortalityMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Mortality</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_MortalityMember" xlink:to="ftfc_MortalityMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentFiscalPeriodFocus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentFiscalYearFocus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability" xlink:label="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual to expected ratio</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The ratio of actual to expected future policy benefit liability.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability" xlink:to="ftfc_LiabilityForFuturePolicyBenefitActualToExpectedLiability-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
    <link:label xlink:label="dei_AmendmentFlag-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderContractDeposits" xlink:label="us-gaap_PolicyholderContractDeposits" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderContractDeposits-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental contracts with out life contingencies</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderContractDeposits" xlink:to="us-gaap_PolicyholderContractDeposits-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember" xlink:label="us-gaap_CommonStockMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommonStockMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected" xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance and current period update of cash flow assumption, of expected future policy benefit and expense component of liability for future policy benefit, discounted at original rate.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected" xlink:to="ftfc_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsuranceExpected-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual" xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Actual</link:label>
    <link:label xlink:label="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, before effect of reinsurance, of present value of future benefit to be paid to or on behalf of policyholder and related expense less present value of future net premium receivable under insurance contract.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual" xlink:to="ftfc_LiabilityForFuturePolicyBenefitBeforeReinsuranceActual-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other liabilities (excludes change in payable for securities purchased of $10,088 in 2025)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits" xlink:label="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits</link:label>
    <link:label xlink:label="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase in future policy benefits</link:label>
    <link:label xlink:label="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, after effect of policies assumed or ceded, of expense related to provision for policy benefits and costs incurred for life and annuity insurance contracts.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits" xlink:to="ftfc_PolicyholderBenefitsAndClaimsIncurredNetDeathBenefits-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyLiabilitiesAbstract" xlink:label="ftfc_PolicyLiabilitiesAbstract" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyLiabilitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policy liabilities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyLiabilitiesAbstract" xlink:to="ftfc_PolicyLiabilitiesAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
    <link:label xlink:label="dei_DocumentPeriodEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_DocumentPeriodEndDate</link:label>
    <link:label xlink:label="dei_DocumentPeriodEndDate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151AndGreaterMember" xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151AndGreaterMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151AndGreaterMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, above Guaranteed Minimum Crediting Rate, Range from 0151 and Greater [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151AndGreaterMember" xlink:to="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0151AndGreaterMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0299Member" xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0299Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0299Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate, Range from 0200 to 0299 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0299Member" xlink:to="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0200To0299Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" xlink:type="locator"/>
    <link:label xlink:label="dei_LegalEntityAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember" xlink:label="us-gaap_ResidentialPortfolioSegmentMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ResidentialPortfolioSegmentMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Portfolio Segment [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ResidentialPortfolioSegmentMember" xlink:to="us-gaap_ResidentialPortfolioSegmentMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0001To0050Member" xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0001To0050Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0001To0050Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, above Guaranteed Minimum Crediting Rate, Range from 0001 to 0050 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0001To0050Member" xlink:to="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0001To0050Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0150Member" xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0150Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0150Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, above Guaranteed Minimum Crediting Rate, Range from 0051 to 0150 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0150Member" xlink:to="us-gaap_PolicyholderAccountBalanceAboveGuaranteedMinimumCreditingRateRangeFrom0051To0150Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember" xlink:label="us-gaap_CommercialPortfolioSegmentMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommercialPortfolioSegmentMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial Portfolio Segment [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialPortfolioSegmentMember" xlink:to="us-gaap_CommercialPortfolioSegmentMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain" xlink:label="us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessAcquisitionAcquireeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionAcquireeDomain" xlink:to="us-gaap_BusinessAcquisitionAcquireeDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing receivable, Individually evaluated for reserve allowance</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment" xlink:to="us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityFileNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityFileNumber</link:label>
    <link:label xlink:label="dei_EntityFileNumber-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net unrealized gains (losses)</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized losses on investments, before tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Collectively Evaluated for Impairment</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment" xlink:to="us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityTaxIdentificationNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="us-gaap_BusinessAcquisitionAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessAcquisitionAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionAxis" xlink:to="us-gaap_BusinessAcquisitionAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collectively evaluated for impairment</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities in an unrealized loss position, less than twelve months, unrealized loss</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Securities in an unrealized loss position, more than twelve months, unrealized loss</link:label>
    <link:label xlink:label="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityCentralIndexKey-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xlink:label="us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired</link:label>
    <link:label xlink:label="us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination, Voting Equity Interest Acquired, Percentage</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired" xlink:to="us-gaap_BusinessAcquisitionPercentageOfVotingInterestsAcquired-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateLoanCategoryDomain" xlink:label="srt_MortgageLoansOnRealEstateLoanCategoryDomain" xlink:type="locator"/>
    <link:label xlink:label="srt_MortgageLoansOnRealEstateLoanCategoryDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Category [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateLoanCategoryDomain" xlink:to="srt_MortgageLoansOnRealEstateLoanCategoryDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0399Member" xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0399Member" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0399Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate, Range from 0300 to 0399 [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0399Member" xlink:to="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0300To0399Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityRegistrantName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityRegistrantName</link:label>
    <link:label xlink:label="dei_EntityRegistrantName-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400AndGreaterMember" xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400AndGreaterMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400AndGreaterMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholder Account Balance, Guaranteed Minimum Crediting Rate, Range from 0400 and Greater [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400AndGreaterMember" xlink:to="us-gaap_PolicyholderAccountBalanceGuaranteedMinimumCreditingRateRangeFrom0400AndGreaterMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationsPolicy" xlink:label="us-gaap_BusinessCombinationsPolicy" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessCombinationsPolicy-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Policy Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessCombinationsPolicy" xlink:to="us-gaap_BusinessCombinationsPolicy-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityCurrentReportingStatus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityCurrentReportingStatus</link:label>
    <link:label xlink:label="dei_EntityCurrentReportingStatus-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityIncorporationStateCountryCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholdersAccountBalancesCeded" xlink:label="ftfc_PolicyholdersAccountBalancesCeded" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholdersAccountBalancesCeded-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Policyholders' account balances ceded</link:label>
    <link:label xlink:label="ftfc_PolicyholdersAccountBalancesCeded-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of customer funds, account values, or policy reserves (common in universal life or annuity products) that an insurance company transfers (cedes) to a reinsurer.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholdersAccountBalancesCeded" xlink:to="ftfc_PolicyholdersAccountBalancesCeded-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" xlink:type="locator"/>
    <link:label xlink:label="dei_CurrentFiscalYearEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Change in unrealized investment gains (losses)</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized losses on investments, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossBeforeTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive income, before tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderFundsTotalAdditions" xlink:label="ftfc_PolicyholderFundsTotalAdditions" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderFundsTotalAdditions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PolicyholderFundsTotalAdditions</link:label>
    <link:label xlink:label="ftfc_PolicyholderFundsTotalAdditions-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total additions</link:label>
    <link:label xlink:label="ftfc_PolicyholderFundsTotalAdditions-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total addition to the amount due to policyholder.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderFundsTotalAdditions" xlink:to="ftfc_PolicyholderFundsTotalAdditions-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_WhollyOwnedSubsidiaryOwnershipPercentage" xlink:label="ftfc_WhollyOwnedSubsidiaryOwnershipPercentage" xlink:type="locator"/>
    <link:label xlink:label="ftfc_WhollyOwnedSubsidiaryOwnershipPercentage-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_WhollyOwnedSubsidiaryOwnershipPercentage</link:label>
    <link:label xlink:label="ftfc_WhollyOwnedSubsidiaryOwnershipPercentage-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Wholly Owned Subsidiary Ownership Percentage</link:label>
    <link:label xlink:label="ftfc_WhollyOwnedSubsidiaryOwnershipPercentage-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of voting equity interests owned in a subsidiary.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_WhollyOwnedSubsidiaryOwnershipPercentage" xlink:to="ftfc_WhollyOwnedSubsidiaryOwnershipPercentage-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" xlink:label="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Federal income tax expense (benefit)</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income tax expense (benefit)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1" xlink:to="us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityFilerCategory-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TermProductsNumberOfYears" xlink:label="ftfc_TermProductsNumberOfYears" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TermProductsNumberOfYears-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_TermProductsNumberOfYears</link:label>
    <link:label xlink:label="ftfc_TermProductsNumberOfYears-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term Products Number of Years (Year) (Year)</link:label>
    <link:label xlink:label="ftfc_TermProductsNumberOfYears-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The term of life insurance products.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TermProductsNumberOfYears" xlink:to="ftfc_TermProductsNumberOfYears-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityShellCompany" xlink:label="dei_EntityShellCompany" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityShellCompany-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityShellCompany</link:label>
    <link:label xlink:label="dei_EntityShellCompany-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityShellCompany" xlink:to="dei_EntityShellCompany-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TrinityLifeInsuranceCompanyMember" xlink:label="ftfc_TrinityLifeInsuranceCompanyMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TrinityLifeInsuranceCompanyMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trinity Life Insurance Company [Member]</link:label>
    <link:label xlink:label="ftfc_TrinityLifeInsuranceCompanyMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entity Trinity Life Insurance Company (TLIC).</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TrinityLifeInsuranceCompanyMember" xlink:to="ftfc_TrinityLifeInsuranceCompanyMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized losses on investments, tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityEmergingGrowthCompany-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TermProducts15YearMember" xlink:label="ftfc_TermProducts15YearMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TermProducts15YearMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Term Products 15 Year [Member]</link:label>
    <link:label xlink:label="ftfc_TermProducts15YearMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance products that are renewable and convertible and issued for 15 years.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TermProducts15YearMember" xlink:to="ftfc_TermProducts15YearMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossNetOfTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive loss, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" xlink:type="locator"/>
    <link:label xlink:label="dei_EntitySmallBusiness-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Small Business</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TermProducts10YearMember" xlink:label="ftfc_TermProducts10YearMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TermProducts10YearMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Term Products 10 Year [Member]</link:label>
    <link:label xlink:label="ftfc_TermProducts10YearMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance products that are renewable and convertible and issued for 10 years.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TermProducts10YearMember" xlink:to="ftfc_TermProducts10YearMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TermProducts20YearMember" xlink:label="ftfc_TermProducts20YearMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TermProducts20YearMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Term Products 20 Year [Member]</link:label>
    <link:label xlink:label="ftfc_TermProducts20YearMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance products that are renewable and convertible and issued for 20 years.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TermProducts20YearMember" xlink:to="ftfc_TermProducts20YearMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockDividendsShares" xlink:label="us-gaap_CommonStockDividendsShares" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommonStockDividendsShares-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CommonStockDividendsShares</link:label>
    <link:label xlink:label="us-gaap_CommonStockDividendsShares-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock Dividends, Shares (in shares)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockDividendsShares" xlink:to="us-gaap_CommonStockDividendsShares-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RetailSiteMember" xlink:label="srt_RetailSiteMember" xlink:type="locator"/>
    <link:label xlink:label="srt_RetailSiteMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retail Site [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_RetailSiteMember" xlink:to="srt_RetailSiteMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="us-gaap_InvestmentTypeCategorizationMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InvestmentTypeCategorizationMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeCategorizationMember" xlink:to="us-gaap_InvestmentTypeCategorizationMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TermProducts30YearMember" xlink:label="ftfc_TermProducts30YearMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TermProducts30YearMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Term Products 30 Year [Member]</link:label>
    <link:label xlink:label="ftfc_TermProducts30YearMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance products that are renewable and convertible and issued for 30 years.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TermProducts30YearMember" xlink:to="ftfc_TermProducts30YearMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:label="us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet</link:label>
    <link:label xlink:label="us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Asset Acquired to Liability Assumed, Excess (Less)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:to="us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NumberOfPublicOfferings" xlink:label="ftfc_NumberOfPublicOfferings" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NumberOfPublicOfferings-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_NumberOfPublicOfferings</link:label>
    <link:label xlink:label="ftfc_NumberOfPublicOfferings-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Public Offerings</link:label>
    <link:label xlink:label="ftfc_NumberOfPublicOfferings-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of public offerings offered by the entity.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NumberOfPublicOfferings" xlink:to="ftfc_NumberOfPublicOfferings-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FirstTrinityCapitalCorporationMember" xlink:label="ftfc_FirstTrinityCapitalCorporationMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FirstTrinityCapitalCorporationMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">First Trinity Capital Corporation [Member]</link:label>
    <link:label xlink:label="ftfc_FirstTrinityCapitalCorporationMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entity First Trinity Capital Corporation (FTCC).</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FirstTrinityCapitalCorporationMember" xlink:to="ftfc_FirstTrinityCapitalCorporationMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NumberOfStockDividends" xlink:label="ftfc_NumberOfStockDividends" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NumberOfStockDividends-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_NumberOfStockDividends</link:label>
    <link:label xlink:label="ftfc_NumberOfStockDividends-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Stock Dividends</link:label>
    <link:label xlink:label="ftfc_NumberOfStockDividends-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of stock dividends that were paid by the entity.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NumberOfStockDividends" xlink:to="ftfc_NumberOfStockDividends-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FirstLifeAmericaCorporationMember" xlink:label="ftfc_FirstLifeAmericaCorporationMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FirstLifeAmericaCorporationMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">First Life America Corporation [Member</link:label>
    <link:label xlink:label="ftfc_FirstLifeAmericaCorporationMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entity First Life America Corporation (FLAC).</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FirstLifeAmericaCorporationMember" xlink:to="ftfc_FirstLifeAmericaCorporationMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FirstTrinityFinancialCorporationMember" xlink:label="ftfc_FirstTrinityFinancialCorporationMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FirstTrinityFinancialCorporationMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">First Trinity Financial Corporation [Member]</link:label>
    <link:label xlink:label="ftfc_FirstTrinityFinancialCorporationMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entity First Trinity Financial Corporation (FTFC).</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FirstTrinityFinancialCorporationMember" xlink:to="ftfc_FirstTrinityFinancialCorporationMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SegmentReportingOtherItemAmount" xlink:label="us-gaap_SegmentReportingOtherItemAmount" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_SegmentReportingOtherItemAmount-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other underwriting, insurance and acquisition expenses</link:label>
    <link:label xlink:label="us-gaap_SegmentReportingOtherItemAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_SegmentReportingOtherItemAmount</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingOtherItemAmount" xlink:to="us-gaap_SegmentReportingOtherItemAmount-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_Revenues-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total revenue</link:label>
    <link:label xlink:label="us-gaap_Revenues-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_Revenues</link:label>
    <link:label xlink:label="us-gaap_Revenues-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total revenues</link:label>
    <link:label xlink:label="us-gaap_Revenues-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total revenue</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_Revenues-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenuesAbstract" xlink:label="us-gaap_RevenuesAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RevenuesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenues</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenuesAbstract" xlink:to="us-gaap_RevenuesAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationConsiderationTransferred1" xlink:label="us-gaap_BusinessCombinationConsiderationTransferred1" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessCombinationConsiderationTransferred1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_BusinessCombinationConsiderationTransferred1</link:label>
    <link:label xlink:label="us-gaap_BusinessCombinationConsiderationTransferred1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration Transferred</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessCombinationConsiderationTransferred1" xlink:to="us-gaap_BusinessCombinationConsiderationTransferred1-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityAddressStateOrProvince-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityAddressStateOrProvince</link:label>
    <link:label xlink:label="dei_EntityAddressStateOrProvince-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement" xlink:label="ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement</link:label>
    <link:label xlink:label="ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Acquired Under Assumption Reinsurance Agreement</link:label>
    <link:label xlink:label="ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of asset acquired under assumption reinsurance agreement.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement" xlink:to="ftfc_AssetAcquiredUnderAssumptionReinsuranceAgreement-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityAddressCityOrTown-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityAddressCityOrTown</link:label>
    <link:label xlink:label="dei_EntityAddressCityOrTown-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_NumberOfSubsidiariesMerged" xlink:label="ftfc_NumberOfSubsidiariesMerged" xlink:type="locator"/>
    <link:label xlink:label="ftfc_NumberOfSubsidiariesMerged-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_NumberOfSubsidiariesMerged</link:label>
    <link:label xlink:label="ftfc_NumberOfSubsidiariesMerged-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Subsidiaries Merged</link:label>
    <link:label xlink:label="ftfc_NumberOfSubsidiariesMerged-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of separate subsidiaries merged into one consolidated subsidiary.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_NumberOfSubsidiariesMerged" xlink:to="ftfc_NumberOfSubsidiariesMerged-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_GainOnReinsuranceAssumption" xlink:label="ftfc_GainOnReinsuranceAssumption" xlink:type="locator"/>
    <link:label xlink:label="ftfc_GainOnReinsuranceAssumption-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_GainOnReinsuranceAssumption</link:label>
    <link:label xlink:label="ftfc_GainOnReinsuranceAssumption-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain on Reinsurance Assumption</link:label>
    <link:label xlink:label="ftfc_GainOnReinsuranceAssumption-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Investing and finance activities associated with estimated gain on the reinsurance assumption transactions.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_GainOnReinsuranceAssumption" xlink:to="ftfc_GainOnReinsuranceAssumption-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated earnings</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement" xlink:label="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement</link:label>
    <link:label xlink:label="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities Assumed Under Reinsurance Assumption Agreement</link:label>
    <link:label xlink:label="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the amount of liabilities assumed under the reinsurance assumption agreement.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement" xlink:to="ftfc_LiabilitiesAssumedUnderReinsuranceAssumptionAgreement-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityAddressAddressLine1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityAddressAddressLine1</link:label>
    <link:label xlink:label="dei_EntityAddressAddressLine1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" xlink:label="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SEC Schedule, 12-29, Real Estate Companies, Investment in Mortgage Loans on Real Estate, Loan Category [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis" xlink:to="srt_MortgageLoansOnRealEstateDescriptionLoanCategoryAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" xlink:type="locator"/>
    <link:label xlink:label="dei_CityAreaCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_CityAreaCode</link:label>
    <link:label xlink:label="dei_CityAreaCode-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after one year through five years - amortized cost</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_CommonStockPolicyPolicyTextBlock" xlink:label="ftfc_CommonStockPolicyPolicyTextBlock" xlink:type="locator"/>
    <link:label xlink:label="ftfc_CommonStockPolicyPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Policy [Policy Text Block]</link:label>
    <link:label xlink:label="ftfc_CommonStockPolicyPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for common stock.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_CommonStockPolicyPolicyTextBlock" xlink:to="ftfc_CommonStockPolicyPolicyTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after five years through ten years - amortized cost</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" xlink:type="locator"/>
    <link:label xlink:label="dei_LocalPhoneNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_LocalPhoneNumber</link:label>
    <link:label xlink:label="dei_LocalPhoneNumber-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PremiumsEarnedNet" xlink:label="us-gaap_PremiumsEarnedNet" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PremiumsEarnedNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Premiums</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PremiumsEarnedNet" xlink:to="us-gaap_PremiumsEarnedNet-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due in one year or less - amortized cost</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityAddressPostalZipCode-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityAddressPostalZipCode</link:label>
    <link:label xlink:label="dei_EntityAddressPostalZipCode-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FairValueToCostRatio" xlink:label="ftfc_FairValueToCostRatio" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FairValueToCostRatio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_FairValueToCostRatio</link:label>
    <link:label xlink:label="ftfc_FairValueToCostRatio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value to Cost Ratio</link:label>
    <link:label xlink:label="ftfc_FairValueToCostRatio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The ratio of the fair value to the amortized cost of securities in an unrealized loss position..</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FairValueToCostRatio" xlink:to="ftfc_FairValueToCostRatio-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due at multiple maturity dates - fair value</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitActivityTableTextBlock" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitActivityTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitActivityTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liability for Future Policy Benefit, Activity [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitActivityTableTextBlock" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitActivityTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after five years through ten years - fair value</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ending balance at original discount rate</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance at original discount rate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after ten years - fair value</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ending balance at original discount rate</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance at original discount rate</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitExpectedNetPremiumOriginalDiscountRateBeforeCashFlowAndReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due in one year or less - fair value</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after one year through five years - fair value</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due after ten years - amortized cost</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="us-gaap_StatementClassOfStockAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_StatementClassOfStockAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost</link:label>
    <link:label xlink:label="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due at multiple maturity dates - amortized cost</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LotteryPrizeCashFlowsMember" xlink:label="ftfc_LotteryPrizeCashFlowsMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LotteryPrizeCashFlowsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lottery Prize Cash Flows [Member]</link:label>
    <link:label xlink:label="ftfc_LotteryPrizeCashFlowsMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The lottery prize cash flows are assignments of the future rights from lottery winners purchased at a discounted price.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LotteryPrizeCashFlowsMember" xlink:to="ftfc_LotteryPrizeCashFlowsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total other comprehensive loss, tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reinsurance recoverable</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Reinsurance recoverable</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:type="locator"/>
    <link:label xlink:label="dei_EntityCommonStockSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">dei_EntityCommonStockSharesOutstanding</link:label>
    <link:label xlink:label="dei_EntityCommonStockSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding (in shares)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance" xlink:label="us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net liability for future policy benefits</link:label>
    <link:label xlink:label="us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Subtotal</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance" xlink:to="us-gaap_LiabilityForFuturePolicyBenefitAfterReinsurance-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_TopekaKansasMember" xlink:label="ftfc_TopekaKansasMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_TopekaKansasMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Topeka Kansas [Member]</link:label>
    <link:label xlink:label="ftfc_TopekaKansasMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The city of Topeka, Kansas.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_TopekaKansasMember" xlink:to="ftfc_TopekaKansasMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AssetsHeldForSaleNotPartOfADisposalGroupMember" xlink:label="ftfc_AssetsHeldForSaleNotPartOfADisposalGroupMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AssetsHeldForSaleNotPartOfADisposalGroupMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets Held-for-sale not Part of a Disposal Group [Member]</link:label>
    <link:label xlink:label="ftfc_AssetsHeldForSaleNotPartOfADisposalGroupMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Long-lived assets that meet the criteria for "held for sale" assets.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AssetsHeldForSaleNotPartOfADisposalGroupMember" xlink:to="ftfc_AssetsHeldForSaleNotPartOfADisposalGroupMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_JeffersonCityMissouriMember" xlink:label="ftfc_JeffersonCityMissouriMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_JeffersonCityMissouriMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Jefferson City Missouri [Member]</link:label>
    <link:label xlink:label="ftfc_JeffersonCityMissouriMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The city of Jefferson City, Missouri.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_JeffersonCityMissouriMember" xlink:to="ftfc_JeffersonCityMissouriMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized holding losses arising during the period, tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total net unrealized gains (losses) arising during the period</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized holding losses arising during the period, before tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized holding losses arising during the period, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax" xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax</link:label>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remeasurement loss on future policy benefits related to discount rate, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax" xlink:to="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentAndTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentAxis" xlink:label="us-gaap_InternalCreditAssessmentAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InternalCreditAssessmentAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InternalCreditAssessmentAxis" xlink:to="us-gaap_InternalCreditAssessmentAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:label="us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BusinessCombinationAcquisitionRelatedCosts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_BusinessCombinationAcquisitionRelatedCosts</link:label>
    <link:label xlink:label="us-gaap_BusinessCombinationAcquisitionRelatedCosts-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination, Acquisition Related Costs</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessCombinationAcquisitionRelatedCosts" xlink:to="us-gaap_BusinessCombinationAcquisitionRelatedCosts-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax" xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Remeasurement gains on future policy benefit related to discount rate</link:label>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Remeasurement gains (losses) on future policy benefits related to discount rate</link:label>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remeasurement loss on future policy benefits related to discount rate, before tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax" xlink:to="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromPolicyLoans" xlink:label="us-gaap_PaymentsForProceedsFromPolicyLoans" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_PaymentsForProceedsFromPolicyLoans-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsForProceedsFromPolicyLoans</link:label>
    <link:label xlink:label="us-gaap_PaymentsForProceedsFromPolicyLoans-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Policy loans</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromPolicyLoans" xlink:to="us-gaap_PaymentsForProceedsFromPolicyLoans-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements</link:label>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Joint venture distribution</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSettlements-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementScenarioAxis" xlink:label="srt_StatementScenarioAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_StatementScenarioAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_StatementScenarioAxis" xlink:to="srt_StatementScenarioAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioUnspecifiedDomain" xlink:label="srt_ScenarioUnspecifiedDomain" xlink:type="locator"/>
    <link:label xlink:label="srt_ScenarioUnspecifiedDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScenarioUnspecifiedDomain" xlink:to="srt_ScenarioUnspecifiedDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_RightToReceiveDividendPercentage" xlink:label="ftfc_RightToReceiveDividendPercentage" xlink:type="locator"/>
    <link:label xlink:label="ftfc_RightToReceiveDividendPercentage-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_RightToReceiveDividendPercentage</link:label>
    <link:label xlink:label="ftfc_RightToReceiveDividendPercentage-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right To Receive Dividend Percentage</link:label>
    <link:label xlink:label="ftfc_RightToReceiveDividendPercentage-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents right to receive dividends percentage.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_RightToReceiveDividendPercentage" xlink:to="ftfc_RightToReceiveDividendPercentage-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues</link:label>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Joint venture net income</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetIssues-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ReceivablesExcludingPolicyLoanReceivablesMember" xlink:label="ftfc_ReceivablesExcludingPolicyLoanReceivablesMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ReceivablesExcludingPolicyLoanReceivablesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables Excluding Policy Loan Receivables [Member]</link:label>
    <link:label xlink:label="ftfc_ReceivablesExcludingPolicyLoanReceivablesMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Receivables Excluding Policy Loan Receivables</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ReceivablesExcludingPolicyLoanReceivablesMember" xlink:to="ftfc_ReceivablesExcludingPolicyLoanReceivablesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_UnderdevelopedLandMember" xlink:label="ftfc_UnderdevelopedLandMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_UnderdevelopedLandMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underdeveloped Land [Member]</link:label>
    <link:label xlink:label="ftfc_UnderdevelopedLandMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents underdeveloped land.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_UnderdevelopedLandMember" xlink:to="ftfc_UnderdevelopedLandMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Joint venture investment</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:to="us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:label="srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:type="locator"/>
    <link:label xlink:label="srt_MortgageLoansOnRealEstateNamePropertyTypeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:to="srt_MortgageLoansOnRealEstateNamePropertyTypeDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange1Member" xlink:label="ftfc_LoanToValueRange1Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange1Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range1 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange1Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range one in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange1Member" xlink:to="ftfc_LoanToValueRange1Member-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange3Member" xlink:label="ftfc_LoanToValueRange3Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange3Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 3 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange3Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range three in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange3Member" xlink:to="ftfc_LoanToValueRange3Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:label="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:to="srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange2Member" xlink:label="ftfc_LoanToValueRange2Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange2Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 2 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange2Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range two in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange2Member" xlink:to="ftfc_LoanToValueRange2Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments Classified by Contractual Maturity Date [Table Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:to="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments" xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments</link:label>
    <link:label xlink:label="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale, maturity, or collection of investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments" xlink:to="us-gaap_ProceedsFromSaleMaturityAndCollectionsOfInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange5Member" xlink:label="ftfc_LoanToValueRange5Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange5Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 5 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange5Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range five in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange5Member" xlink:to="ftfc_LoanToValueRange5Member-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange4Member" xlink:label="ftfc_LoanToValueRange4Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange4Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 4 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange4Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range four in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange4Member" xlink:to="ftfc_LoanToValueRange4Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentDomain" xlink:label="us-gaap_InternalCreditAssessmentDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_InternalCreditAssessmentDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Internal Credit Assessment [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InternalCreditAssessmentDomain" xlink:to="us-gaap_InternalCreditAssessmentDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange7Member" xlink:label="ftfc_LoanToValueRange7Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange7Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 7 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange7Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range seven in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange7Member" xlink:to="ftfc_LoanToValueRange7Member-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange6Member" xlink:label="ftfc_LoanToValueRange6Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange6Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 6 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange6Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range six in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange6Member" xlink:to="ftfc_LoanToValueRange6Member-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLongTermInvestments" xlink:label="us-gaap_OtherLongTermInvestments" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherLongTermInvestments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other long-term investments</link:label>
    <link:label xlink:label="us-gaap_OtherLongTermInvestments-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-term Investments</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLongTermInvestments" xlink:to="us-gaap_OtherLongTermInvestments-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CommonStockParOrStatedValuePerShare-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share (in dollars per share)</link:label>
    <link:label xlink:label="us-gaap_CommonStockParOrStatedValuePerShare-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share (in dollars per share)</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LoanToValueRange8Member" xlink:label="ftfc_LoanToValueRange8Member" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LoanToValueRange8Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan to Value Range 8 [Member]</link:label>
    <link:label xlink:label="ftfc_LoanToValueRange8Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Range eight in a set of loan to value ranges. Loan to value is the ratio of the carrying value of individual loans compared to the individual appraisal value.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LoanToValueRange8Member" xlink:to="ftfc_LoanToValueRange8Member-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PremiumFinanceLoansMember" xlink:label="ftfc_PremiumFinanceLoansMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PremiumFinanceLoansMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Premium Finance Loans [Member]</link:label>
    <link:label xlink:label="ftfc_PremiumFinanceLoansMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans classified under premium finance.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PremiumFinanceLoansMember" xlink:to="ftfc_PremiumFinanceLoansMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherLiabilities</link:label>
    <link:label xlink:label="us-gaap_OtherLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other liabilities</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1</link:label>
    <link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individually evaluated for impairment</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:label="us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_BasisOfAccountingPolicyPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basis of Accounting, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BasisOfAccountingPolicyPolicyTextBlock" xlink:to="us-gaap_BasisOfAccountingPolicyPolicyTextBlock-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:label="us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_AdjustmentsForNewAccountingPronouncementsAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsForNewAccountingPronouncementsAxis" xlink:to="us-gaap_AdjustmentsForNewAccountingPronouncementsAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ScenarioPreviouslyReportedMember" xlink:label="srt_ScenarioPreviouslyReportedMember" xlink:type="locator"/>
    <link:label xlink:label="srt_ScenarioPreviouslyReportedMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Previously Reported [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_ScenarioPreviouslyReportedMember" xlink:to="srt_ScenarioPreviouslyReportedMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLongTermInvestmentsMember" xlink:label="us-gaap_OtherLongTermInvestmentsMember" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherLongTermInvestmentsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Long-Term Investments [Member]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLongTermInvestmentsMember" xlink:to="us-gaap_OtherLongTermInvestmentsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivableTypeDomain" xlink:label="us-gaap_ReceivableTypeDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_ReceivableTypeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivable [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReceivableTypeDomain" xlink:to="us-gaap_ReceivableTypeDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for net gains included in operation having no credit losses, tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Less net realized investment gains having no credit losses</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for net gains included in operation having no credit losses, before tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_Assets-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label xlink:label="us-gaap_Assets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_Assets</link:label>
    <link:label xlink:label="us-gaap_Assets-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax</link:label>
    <link:label xlink:label="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassification adjustment for net gains included in operation having no credit losses, net of tax</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax" xlink:to="us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_SegmentGeographicalDomain" xlink:label="srt_SegmentGeographicalDomain" xlink:type="locator"/>
    <link:label xlink:label="srt_SegmentGeographicalDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_SegmentGeographicalDomain" xlink:to="srt_SegmentGeographicalDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_StatementGeographicalAxis" xlink:label="srt_StatementGeographicalAxis" xlink:type="locator"/>
    <link:label xlink:label="srt_StatementGeographicalAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="srt_StatementGeographicalAxis" xlink:to="srt_StatementGeographicalAxis-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_IndependentMortgageLoanBalancesMember" xlink:label="ftfc_IndependentMortgageLoanBalancesMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_IndependentMortgageLoanBalancesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Independent Mortgage Loan Balances [Member]</link:label>
    <link:label xlink:label="ftfc_IndependentMortgageLoanBalancesMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Item represents independent mortgage loan balances that are held by a third party as collateral.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_IndependentMortgageLoanBalancesMember" xlink:to="ftfc_IndependentMortgageLoanBalancesMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherPolicyholderFunds" xlink:label="us-gaap_OtherPolicyholderFunds" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OtherPolicyholderFunds-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Premium and other deposit funds</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherPolicyholderFunds" xlink:to="us-gaap_OtherPolicyholderFunds-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_CommercialMember" xlink:label="ftfc_CommercialMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_CommercialMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commercial [Member]</link:label>
    <link:label xlink:label="ftfc_CommercialMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans classified as commercial.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_CommercialMember" xlink:to="ftfc_CommercialMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_OtherLongTermInvestmentsFairValue" xlink:label="ftfc_OtherLongTermInvestmentsFairValue" xlink:type="locator"/>
    <link:label xlink:label="ftfc_OtherLongTermInvestmentsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_OtherLongTermInvestmentsFairValue</link:label>
    <link:label xlink:label="ftfc_OtherLongTermInvestmentsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other long-term investments</link:label>
    <link:label xlink:label="ftfc_OtherLongTermInvestmentsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value disclosure of other long-term investments.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_OtherLongTermInvestmentsFairValue" xlink:to="ftfc_OtherLongTermInvestmentsFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_ResidentialMember" xlink:label="ftfc_ResidentialMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_ResidentialMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential [Member]</link:label>
    <link:label xlink:label="ftfc_ResidentialMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans classified as residential.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_ResidentialMember" xlink:to="ftfc_ResidentialMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FinancialAssetsFairValue" xlink:label="ftfc_FinancialAssetsFairValue" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FinancialAssetsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_FinancialAssetsFairValue</link:label>
    <link:label xlink:label="ftfc_FinancialAssetsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total financial assets</link:label>
    <link:label xlink:label="ftfc_FinancialAssetsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value disclosure of financial assets.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FinancialAssetsFairValue" xlink:to="ftfc_FinancialAssetsFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_FinancialLiabilitiesFairValue" xlink:label="ftfc_FinancialLiabilitiesFairValue" xlink:type="locator"/>
    <link:label xlink:label="ftfc_FinancialLiabilitiesFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_FinancialLiabilitiesFairValue</link:label>
    <link:label xlink:label="ftfc_FinancialLiabilitiesFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total financial liabilities</link:label>
    <link:label xlink:label="ftfc_FinancialLiabilitiesFairValue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value disclosure of financial liabilities.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_FinancialLiabilitiesFairValue" xlink:to="ftfc_FinancialLiabilitiesFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_PolicyholderFundsFairValue" xlink:label="ftfc_PolicyholderFundsFairValue" xlink:type="locator"/>
    <link:label xlink:label="ftfc_PolicyholderFundsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ftfc_PolicyholderFundsFairValue</link:label>
    <link:label xlink:label="ftfc_PolicyholderFundsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Policyholders' account balances</link:label>
    <link:label xlink:label="ftfc_PolicyholderFundsFairValue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value disclosure of policyholder funds.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_PolicyholderFundsFairValue" xlink:to="ftfc_PolicyholderFundsFairValue-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="us-gaap_DepreciationDepletionAndAmortization" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_DepreciationDepletionAndAmortization-label" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortization expense</link:label>
    <link:label xlink:label="us-gaap_DepreciationDepletionAndAmortization-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DepreciationDepletionAndAmortization</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationDepletionAndAmortization" xlink:to="us-gaap_DepreciationDepletionAndAmortization-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AdjustmentToDeferredAcquisitionCostsMember" xlink:label="ftfc_AdjustmentToDeferredAcquisitionCostsMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AdjustmentToDeferredAcquisitionCostsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Deferred Acquisition Costs [Member]</link:label>
    <link:label xlink:label="ftfc_AdjustmentToDeferredAcquisitionCostsMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents adjustments to deferred acquisition costs.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AdjustmentToDeferredAcquisitionCostsMember" xlink:to="ftfc_AdjustmentToDeferredAcquisitionCostsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_AnnuityOperationsMember" xlink:label="ftfc_AnnuityOperationsMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_AnnuityOperationsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Annuity Operations [Member]</link:label>
    <link:label xlink:label="ftfc_AnnuityOperationsMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business segment classified as annuity operations.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_AnnuityOperationsMember" xlink:to="ftfc_AnnuityOperationsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="ftfc-20260630.xsd#ftfc_LifeInsuranceOperationsMember" xlink:label="ftfc_LifeInsuranceOperationsMember" xlink:type="locator"/>
    <link:label xlink:label="ftfc_LifeInsuranceOperationsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Life Insurance Operations [Member]</link:label>
    <link:label xlink:label="ftfc_LifeInsuranceOperationsMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business segment classified as life insurance operations.</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ftfc_LifeInsuranceOperationsMember" xlink:to="ftfc_LifeInsuranceOperationsMember-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Class [Domain]</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:to="us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax" xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax" xlink:type="locator"/>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax</link:label>
    <link:label xlink:label="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Remeasurement loss on future policy benefits related to discount rate, tac</link:label>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax" xlink:to="us-gaap_OciLiabilityForFuturePolicyBenefitGainLossAfterReclassificationAdjustmentTax-label" xlink:type="arc"/>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashSurrenderValueDuePolicyholdersAmount" xlink:label="us-gaap_CashSurrenderValueDuePolicyholdersAmount" xlink:type="locator"/>
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