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    <link:label id="lab_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C_terseLabel_en-US" xlink:label="lab_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insurance Company of the South [Member]</link:label>
    <link:label id="lab_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C_label_en-US" xlink:label="lab_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insurance Company of the South [Member]</link:label>
    <link:label id="lab_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C_documentation_en-US" xlink:label="lab_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Insurance Company of the South [Member]</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_InsuranceCompanyOfSouthMember" xlink:label="loc_frf_InsuranceCompanyOfSouthMember_5C1DC08A6E7FB775F7F6F677CCD6321C" xlink:type="locator" />
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    <link:label id="lab_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948_terseLabel_en-US" xlink:label="lab_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lyndon Southern Insurance Company [Member]</link:label>
    <link:label id="lab_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948_label_en-US" xlink:label="lab_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lyndon Southern Insurance Company [Member]</link:label>
    <link:label id="lab_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948_documentation_en-US" xlink:label="lab_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Lyndon Southern Insurance Company [Member]</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_LyndonSouthernInsuranceCompanyMember" xlink:label="loc_frf_LyndonSouthernInsuranceCompanyMember_5D2438AE1A616C4454BDF6784B7F8948" xlink:type="locator" />
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    <link:label id="lab_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7_terseLabel_en-US" xlink:label="lab_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Life of the South Insurance Company [Member]</link:label>
    <link:label id="lab_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7_label_en-US" xlink:label="lab_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Life of the South Insurance Company [Member]</link:label>
    <link:label id="lab_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7_documentation_en-US" xlink:label="lab_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Life of the South Insurance Company [Member]</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_LifeOfSouthInsuranceCompanyMember" xlink:label="loc_frf_LifeOfSouthInsuranceCompanyMember_B1F0B5F7AE438DF8ED26F67886EFCBA7" xlink:type="locator" />
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    <link:label id="lab_us-gaap_MinimumMember_903D9238A5745FD3706DF684FE4DAFFA_verboseLabel_en-US" xlink:label="lab_us-gaap_MinimumMember_903D9238A5745FD3706DF684FE4DAFFA" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
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    <link:label id="lab_us-gaap_MaximumMember_6757D845D0A5A851FE7CF68632C17E30_verboseLabel_en-US" xlink:label="lab_us-gaap_MaximumMember_6757D845D0A5A851FE7CF68632C17E30" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_MaximumMember" xlink:label="loc_us-gaap_MaximumMember_6757D845D0A5A851FE7CF68632C17E30" xlink:type="locator" />
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    <link:label id="lab_us-gaap_DebtInstrumentLineItems_43141BD26FCBB9E6B045F6486AA3A504_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems_43141BD26FCBB9E6B045F6486AA3A504" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_43141BD26FCBB9E6B045F6486AA3A504_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems_43141BD26FCBB9E6B045F6486AA3A504" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="loc_us-gaap_DebtInstrumentLineItems_43141BD26FCBB9E6B045F6486AA3A504" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LineOfCreditFacilityInitiationDate1_51178D19DFE6BD28EAA6F6486AA34642_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityInitiationDate1_51178D19DFE6BD28EAA6F6486AA34642" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Initiation Date</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityInitiationDate1_51178D19DFE6BD28EAA6F6486AA34642_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityInitiationDate1_51178D19DFE6BD28EAA6F6486AA34642" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Initiation Date</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityInitiationDate1" xlink:label="loc_us-gaap_LineOfCreditFacilityInitiationDate1_51178D19DFE6BD28EAA6F6486AA34642" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum balance allowed on revolving credit facility</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_B82D8C144FA85997D6A9F6486AA3CC61" xlink:type="arc" />
    <link:label id="lab_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Revolving Credit Conversion to Term Loan, Description</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Revolving Credit Conversion to Term Loan, Description</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription" xlink:label="loc_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE" xlink:to="lab_us-gaap_LineOfCreditFacilityRevolvingCreditConversionToTermLoanDescription_4FD3A2A411C46FCA6212F6486AA377DE" xlink:type="arc" />
    <link:label id="lab_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Current Borrowing Capacity</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Current Borrowing Capacity</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity" xlink:label="loc_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856" xlink:to="lab_us-gaap_LineOfCreditFacilityCurrentBorrowingCapacity_B736FEFCF7393560D160F6486AA32856" xlink:type="arc" />
    <link:label id="lab_us-gaap_LineOfCreditFacilityExpirationDate1_A7BCC8CF7223BD49F32DF6486AA32DB2_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationDate1_A7BCC8CF7223BD49F32DF6486AA32DB2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Expiration Date</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityExpirationDate1_A7BCC8CF7223BD49F32DF6486AA32DB2_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityExpirationDate1_A7BCC8CF7223BD49F32DF6486AA32DB2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Expiration Date</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="loc_us-gaap_LineOfCreditFacilityExpirationDate1_A7BCC8CF7223BD49F32DF6486AA32DB2" xlink:type="locator" />
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    <link:label id="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5_terseLabel_en-US" xlink:label="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of credit, incremental amount available</link:label>
    <link:label id="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5_label_en-US" xlink:label="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of credit, incremental amount available</link:label>
    <link:label id="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5_documentation_en-US" xlink:label="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line of credit, maximum increase available - represents the maxiumum increase to the existing line of credit that the company may request from current or new lenders.</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_LineOfCreditIncrementalAmountAvailable" xlink:label="loc_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5" xlink:to="lab_frf_LineOfCreditIncrementalAmountAvailable_3559097381504CC45518F6486AA3DFA5" xlink:type="arc" />
    <link:label id="lab_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A_terseLabel_en-US" xlink:label="lab_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Write off of Deferred Debt Issuance Cost</link:label>
    <link:label id="lab_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A_label_en-US" xlink:label="lab_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Write off of Deferred Debt Issuance Cost</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_WriteOffOfDeferredDebtIssuanceCost" xlink:label="loc_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A" xlink:to="lab_us-gaap_WriteOffOfDeferredDebtIssuanceCost_39099B1F6EC37DCE5A5EF6486AA4D30A" xlink:type="arc" />
    <link:label id="lab_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9_verboseLabel_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Covenant Requirement, total leverage ratio</link:label>
    <link:label id="lab_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9_label_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant Compliance, Total Leverage Ratio</link:label>
    <link:label id="lab_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9_documentation_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant Compliance, Total Leverage Ratio</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_DebtInstrumentCovenantComplianceTotalLeverageRatio" xlink:label="loc_frf_DebtInstrumentCovenantComplianceTotalLeverageRatio_E1C893FA7CC5BA50B9D8F67C269E58F9" xlink:type="locator" />
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    <link:label id="lab_frf_DebtInstrumentCovenantComplianceFixedChargeCoverageRatio_689C425EBBBA05427032F67C6B569F48_verboseLabel_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceFixedChargeCoverageRatio_689C425EBBBA05427032F67C6B569F48" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Covenant Requirement, fixed charge coverage atio</link:label>
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    <link:loc xlink:href="frf-20120930.xsd#frf_DebtInstrumentCovenantComplianceFixedChargeCoverageRatio" xlink:label="loc_frf_DebtInstrumentCovenantComplianceFixedChargeCoverageRatio_689C425EBBBA05427032F67C6B569F48" xlink:type="locator" />
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    <link:label id="lab_frf_DebtInstrumentCovenantComplianceReinsuranceRatio_98ADE98AE496515B2606F67C957D580E_label_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceReinsuranceRatio_98ADE98AE496515B2606F67C957D580E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant Compliance, Reinsurance Ratio</link:label>
    <link:label id="lab_frf_DebtInstrumentCovenantComplianceReinsuranceRatio_98ADE98AE496515B2606F67C957D580E_documentation_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceReinsuranceRatio_98ADE98AE496515B2606F67C957D580E" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant Compliance, Reinsurance Ratio</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_DebtInstrumentCovenantComplianceReinsuranceRatio" xlink:label="loc_frf_DebtInstrumentCovenantComplianceReinsuranceRatio_98ADE98AE496515B2606F67C957D580E" xlink:type="locator" />
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    <link:label id="lab_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457_verboseLabel_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Covenant Requirement, RBC ratio</link:label>
    <link:label id="lab_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457_label_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant Compliance, Risk Based Capital Ratio</link:label>
    <link:label id="lab_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457_documentation_en-US" xlink:label="lab_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt Instrument, Covenant Compliance, Risk Based Capital Ratio</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio" xlink:label="loc_frf_DebtInstrumentCovenantComplianceRiskBasedCapitalRatio_C83C03B776C6D04BC871F67CE8DDF457" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NotesPayable_A2164E58CCDE7BF2CFD7F6486AA4BB93_verboseLabel_en-US" xlink:label="lab_us-gaap_NotesPayable_A2164E58CCDE7BF2CFD7F6486AA4BB93" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">SunTrust Bank, N.A. - revolving credit facility, maturing June 2013</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_NotesPayable" xlink:label="loc_us-gaap_NotesPayable_A2164E58CCDE7BF2CFD7F6486AA4BB93" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate on note payable at the end of the respective periods:</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Interest Rate at Period End</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd" xlink:label="loc_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD" xlink:to="lab_us-gaap_LineOfCreditFacilityInterestRateAtPeriodEnd_5E24C78577912F8D9BCFF6486AA417BD" xlink:type="arc" />
    <link:label id="lab_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2012 (remaining three months)</link:label>
    <link:label id="lab_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D_label_en-US" xlink:label="lab_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt of Registrant, Maturities, Repayments of Principal in Remainder of Fiscal Year</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear" xlink:label="loc_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D" xlink:to="lab_us-gaap_LongTermDebtOfRegistrantMaturitiesRepaymentsOfPrincipalInRemainderOfFiscalYear_78F42BA21F960EC8877DF6486AA47E6D" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B_terseLabel_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2013</link:label>
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B_label_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt of Registrant, Maturities, Repayments of Principal in Year Two</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo" xlink:label="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B" xlink:to="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearTwo_6FBFA504FF6453A90697F6486AA4919B" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211_terseLabel_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2014</link:label>
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211_label_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt of Registrant, Maturities, Repayments of Principal in Year Three</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree" xlink:label="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211" xlink:to="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentOfPrincipleInYearThree_A7F30D45EFD60959DD81F6486AA42211" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72_terseLabel_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2015</link:label>
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72_label_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt of Registrant, Maturities, Repayments of Principal in Year Four</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour" xlink:label="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72" xlink:to="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFour_D73D9FC071861F51D8FEF6486AA49B72" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4_terseLabel_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2016</link:label>
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4_label_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt of Registrant, Maturities, Repayments of Principal in Year Five</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive" xlink:label="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4" xlink:to="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipleInYearFive_6F70C771F827CFE08998F6486AA4D7C4" xlink:type="arc" />
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipalAfterYearFive_5D81AEE32FD4E9EC4DF1F6486AA4E970_terseLabel_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipalAfterYearFive_5D81AEE32FD4E9EC4DF1F6486AA4E970" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
    <link:label id="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipalAfterYearFive_5D81AEE32FD4E9EC4DF1F6486AA4E970_label_en-US" xlink:label="lab_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipalAfterYearFive_5D81AEE32FD4E9EC4DF1F6486AA4E970" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt of Registrant, Maturities, Repayments of Principal after Year Five</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipalAfterYearFive" xlink:label="loc_us-gaap_FiveYearScheduleOfMaturitiesOfParentCompanyRepaymentsOfPrincipalAfterYearFive_5D81AEE32FD4E9EC4DF1F6486AA4E970" xlink:type="locator" />
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    <link:label id="lab_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE_totalLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE_label_en-US" xlink:label="lab_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_LongTermDebt" xlink:label="loc_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE" xlink:to="lab_us-gaap_LongTermDebt_E86B8D8D064DF72C26F3F6486AA411CE" xlink:type="arc" />
    <link:label id="lab_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D_terseLabel_en-US" xlink:label="lab_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Leverage Ratio - Well Fargo Bank, credit facility</link:label>
    <link:label id="lab_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D_label_en-US" xlink:label="lab_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Leverage Ratio - Well Fargo Bank, credit facility</link:label>
    <link:label id="lab_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D_documentation_en-US" xlink:label="lab_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total Leverage Ratio -  the ratio of (i) Consolidated Total Debt as of such date to (ii) Consolidated Adjusted EBITDA for the Measurement Period ending on or immediately prior to such date.</link:label>
    <link:loc xlink:href="frf-20120930.xsd#frf_TotalLeverageRatioWellFargoBankCreditFacility" xlink:label="loc_frf_TotalLeverageRatioWellFargoBankCreditFacility_84A03E35C15DEC3470EEF6486AA4A92D" xlink:type="locator" />
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    <link:loc xlink:href="frf-20120930.xsd#frf_RbcRatioLifeOfSouthInsuranceCompany" xlink:label="loc_frf_RbcRatioLifeOfSouthInsuranceCompany_9F54C67E157680C65CCEF6486AA4B183" xlink:type="locator" />
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    <link:label id="lab_frf_BrokerageSegmentGoodwillMember_6B3023491F1580011A5EF57473A1746D_label_en-US" xlink:label="lab_frf_BrokerageSegmentGoodwillMember_6B3023491F1580011A5EF57473A1746D" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Brokerage Segment Goodwill [Member]</link:label>
    <link:label id="lab_frf_BrokerageSegmentGoodwillMember_6B3023491F1580011A5EF57473A1746D_documentation_en-US" xlink:label="lab_frf_BrokerageSegmentGoodwillMember_6B3023491F1580011A5EF57473A1746D" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Brokerage Segment Goodwill [Member]</link:label>
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    <link:label id="lab_us-gaap_GoodwillLineItems_76426A2B3AFA80E593CDF57473A155D6_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillLineItems_76426A2B3AFA80E593CDF57473A155D6" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill [Line Items]</link:label>
    <link:label id="lab_us-gaap_GoodwillLineItems_76426A2B3AFA80E593CDF57473A155D6_label_en-US" xlink:label="lab_us-gaap_GoodwillLineItems_76426A2B3AFA80E593CDF57473A155D6" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill [Line Items]</link:label>
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    <link:label id="lab_us-gaap_Goodwill_EA70A7BA11DF1876E2EAF57473A2C7D2_periodStartLabel_en-US" xlink:label="lab_us-gaap_Goodwill_EA70A7BA11DF1876E2EAF57473A2C7D2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
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    <link:label id="lab_us-gaap_PriorPeriodReclassificationAdjustment_F863C1899804C53813A8F57473A15F8E_terseLabel_en-US" xlink:label="lab_us-gaap_PriorPeriodReclassificationAdjustment_F863C1899804C53813A8F57473A15F8E" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior period adjustments for the year ending December 31, 2009 increasing goodwill (1)</link:label>
    <link:label id="lab_us-gaap_PriorPeriodReclassificationAdjustment_F863C1899804C53813A8F57473A15F8E_label_en-US" xlink:label="lab_us-gaap_PriorPeriodReclassificationAdjustment_F863C1899804C53813A8F57473A15F8E" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prior Period Reclassification Adjustment</link:label>
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    <link:label id="lab_us-gaap_ImmaterialErrorCorrection_58EAB43E8468DF3BE91DF57473A121A3_terseLabel_en-US" xlink:label="lab_us-gaap_ImmaterialErrorCorrection_58EAB43E8468DF3BE91DF57473A121A3" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill adjustment under ASC 250 for Auto Knight for the year ending December 31, 2011</link:label>
    <link:label id="lab_us-gaap_ImmaterialErrorCorrection_58EAB43E8468DF3BE91DF57473A121A3_label_en-US" xlink:label="lab_us-gaap_ImmaterialErrorCorrection_58EAB43E8468DF3BE91DF57473A121A3" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Immaterial Error Correction</link:label>
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    <link:label id="lab_us-gaap_GoodwillPurchaseAccountingAdjustments_CAB56D5685F1829BD9DFF57473A27A1F_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillPurchaseAccountingAdjustments_CAB56D5685F1829BD9DFF57473A27A1F" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Final valuation adjustments as required under ASC 805 for eReinsure</link:label>
    <link:label id="lab_us-gaap_GoodwillPurchaseAccountingAdjustments_CAB56D5685F1829BD9DFF57473A27A1F_label_en-US" xlink:label="lab_us-gaap_GoodwillPurchaseAccountingAdjustments_CAB56D5685F1829BD9DFF57473A27A1F" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill, Purchase Accounting Adjustments</link:label>
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    <link:label id="lab_us-gaap_GoodwillAllocationAdjustment_AD67821B94CCB3162481F57473A297B9_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAllocationAdjustment_AD67821B94CCB3162481F57473A297B9" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Final valuation adjustments as required under ASC 805 for PBG</link:label>
    <link:label id="lab_us-gaap_GoodwillAllocationAdjustment_AD67821B94CCB3162481F57473A297B9_label_en-US" xlink:label="lab_us-gaap_GoodwillAllocationAdjustment_AD67821B94CCB3162481F57473A297B9" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill, Allocation Adjustment</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_GoodwillAllocationAdjustment" xlink:label="loc_us-gaap_GoodwillAllocationAdjustment_AD67821B94CCB3162481F57473A297B9" xlink:type="locator" />
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    <link:label id="lab_us-gaap_GoodwillAcquiredDuringPeriod_05F417E9C198319C6C1AF57473A1C2B4_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAcquiredDuringPeriod_05F417E9C198319C6C1AF57473A1C2B4" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill, Acquired During 2012</link:label>
    <link:label id="lab_us-gaap_GoodwillAcquiredDuringPeriod_05F417E9C198319C6C1AF57473A1C2B4_label_en-US" xlink:label="lab_us-gaap_GoodwillAcquiredDuringPeriod_05F417E9C198319C6C1AF57473A1C2B4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill, Acquired During Period</link:label>
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    <link:label id="lab_us-gaap_Goodwill_6771A06BF0A527A352E7F57473A7F100_periodEndLabel_en-US" xlink:label="lab_us-gaap_Goodwill_6771A06BF0A527A352E7F57473A7F100" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill_6771A06BF0A527A352E7F57473A7F100" xlink:type="locator" />
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    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_5FA9FA8770A868437E90D621D26E2A61_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract_5FA9FA8770A868437E90D621D26E2A61" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_5FA9FA8770A868437E90D621D26E2A61" xlink:type="locator" />
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    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_E0A320688558EA2DBEACD621D26EC395_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_E0A320688558EA2DBEACD621D26EC395" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_E0A320688558EA2DBEACD621D26EC395_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_E0A320688558EA2DBEACD621D26EC395" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
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    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6DB66BB89B58669DD291D621D26E2C35_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6DB66BB89B58669DD291D621D26E2C35" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income to net cash flows (used in) provided by operating activities:</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6DB66BB89B58669DD291D621D26E2C35_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6DB66BB89B58669DD291D621D26E2C35" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2012/elts/us-gaap-2012-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_6DB66BB89B58669DD291D621D26E2C35" xlink:type="locator" />
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    <link:label id="lab_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_3D6F0D3DC7A37BBBB4E8D621D26E7A93_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts_3D6F0D3DC7A37BBBB4E8D621D26E7A93" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Change in deferred policy acquisition costs</link:label>
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    <link:label id="lab_us-gaap_DepreciationAmortizationAndAccretionNet_88C42864FDB381FCE05AD621D26E7D75_terseLabel_en-US" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet_88C42864FDB381FCE05AD621D26E7D75" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortization</link:label>
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    <link:label id="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_DB7DDBAC4CEBFEC38BB9D621D26E4EE7_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit_DB7DDBAC4CEBFEC38BB9D621D26E4EE7" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred income tax expense</link:label>
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