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  <xsd:element id="frf_NetIncreaseToTotalExpensesFromChangeInAccountingEstimate" name="NetIncreaseToTotalExpensesFromChangeInAccountingEstimate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="frf_NetIncreaseToTotalRevenuesFromChangeInAccountingEstimate" name="NetIncreaseToTotalRevenuesFromChangeInAccountingEstimate" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_NewAcctStandardsAbstract" name="NewAcctStandardsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_NotePayableCovenantRequirementsTableTextBlock" name="NotePayableCovenantRequirementsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_NumberOfAvailableForSaleSecuritiesInLossPositionGreaterThanTwelveMonths" name="NumberOfAvailableForSaleSecuritiesInLossPositionGreaterThanTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_NumberOfAvailableForSaleSecuritiesInLossPositionLessThanTwelveMonths" name="NumberOfAvailableForSaleSecuritiesInLossPositionLessThanTwelveMonths" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_NumberOfEquitySecuritiesWithOtherThanTemporaryImpairmentLossesInvestments" name="NumberOfEquitySecuritiesWithOtherThanTemporaryImpairmentLossesInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_NumberOfLevel3Securities" name="NumberOfLevel3Securities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="frf_OrdinaryDividendsPaidToParentComparyByInsuranceCompanySubsidiariesMember" name="OrdinaryDividendsPaidToParentComparyByInsuranceCompanySubsidiariesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_OtherIntangibleAssetsAbstract" name="OtherIntangibleAssetsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_PaymentProtectionGoodwillMember" name="PaymentProtectionGoodwillMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_PaymentProtectionSegmentMember" name="PaymentProtectionSegmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_PaymentsProceedsToNoncontrollingInterestsOperatingActivities" name="PaymentsProceedsToNoncontrollingInterestsOperatingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="frf_PercentOfTotalInvestments" name="PercentOfTotalInvestments" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_PremiumsWrittenAndEarnedTableTextBlock" name="PremiumsWrittenAndEarnedTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_PresentValueOfFutureProfitsMember" name="PresentValueOfFutureProfitsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_RbcRatioBankersLifeOfLouisiana" name="RbcRatioBankersLifeOfLouisiana" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_RbcRatioInsuranceCompanyOfSouth" name="RbcRatioInsuranceCompanyOfSouth" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_RbcRatioLifeOfSouthInsuranceCompany" name="RbcRatioLifeOfSouthInsuranceCompany" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_RbcRatioLyndonSouthernInsuranceCompany" name="RbcRatioLyndonSouthernInsuranceCompany" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_RbcRatioSouthernFinancialLifeInsuranceCompany" name="RbcRatioSouthernFinancialLifeInsuranceCompany" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_RecentlyIssuedAccountingStandardsAdoptedAndNotYetAdoptedTextBlock" name="RecentlyIssuedAccountingStandardsAdoptedAndNotYetAdoptedTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_ReinsuranceRatioWellsFargoBankCreditFacility" name="ReinsuranceRatioWellsFargoBankCreditFacility" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_RestrictedInvestmentsTableTextBlock" name="RestrictedInvestmentsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_SegmentReportingInformationNetRevenueForBpoSegment" name="SegmentReportingInformationNetRevenueForBpoSegment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="frf_SegmentReportingInformationNetRevenueForBrokerageSegment" name="SegmentReportingInformationNetRevenueForBrokerageSegment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="frf_SegmentReportingInformationNetRevenueForPaymentProtectionSegment" name="SegmentReportingInformationNetRevenueForPaymentProtectionSegment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="frf_ServiceAndAdministrativeFees" name="ServiceAndAdministrativeFees" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="frf_ServiceAndAdministrativeFeesBrokerageSegement" name="ServiceAndAdministrativeFeesBrokerageSegement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_SosapAbstract" name="SosapAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_SosapChangeInAccountingEstimateAbstract" name="SosapChangeInAccountingEstimateAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_SouthernFinancialLifeInsuranceCompanyMember" name="SouthernFinancialLifeInsuranceCompanyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="frf_StatutoryReportingAndDividendRestrictionsAbstract" name="StatutoryReportingAndDividendRestrictionsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_StatutoryReportingAndDividendRestrictionsTextBlock" name="StatutoryReportingAndDividendRestrictionsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
  <xsd:element id="frf_TotalLeverageRatioWellFargoBankCreditFacility" name="TotalLeverageRatioWellFargoBankCreditFacility" nillable="true" substitutionGroup="xbrli:item" type="xbrli:decimalItemType" xbrli:periodType="instant" />
  <xsd:element id="frf_TradenameIntangiblesNet" name="TradenameIntangiblesNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="frf_VariableInterestEntitiesDisclosureTextBlock" name="VariableInterestEntitiesDisclosureTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration" />
</xsd:schema>
