First Trinity Financial CORP

Overview

• IndustryLife Insurance¹
• HeadquartersTulsa, Oklahoma¹
• Incorporated inOK³
• Business address7633 East 63Rd Place, Suite 230, Tulsa, Ok 74133³
• Filer categoryNon-accelerated filer, Smaller reporting company³

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First Trinity Financial Corporation (the “Company” or “FTFC”) is the parent holding company of Trinity Life Insurance Company (“TLIC”), Family Benefit Life Insurance Company (“FBLIC”), Trinity Mortgage Corporation (“TMC”) and Trinity American, Inc. (“TAI”). The Company was incorporated in Oklahoma on April 19, 2004, for the primary purpose of organizing and operating a life insurance subsidiary.⁵ From its latest annual report

Corporate structure

First Trinity Financial CORP sits at the top of its group. 5 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What First Trinity Financial CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Real estate and locations

Investments

Intangibles and goodwill

Properties, in its own words

TLIC owns approximately three acres of undeveloped land located in Topeka, Kansas with a carrying value of $280,000. During 2024, the company recognized an impairment loss of $129,436 from a market value appraisal that resulted in fair value estimation less than the carrying value.

FBLIC owns approximately one-half acre of undeveloped land located in Jefferson City, Missouri with a carrying value of $131,000.

Item 2 of the 10-K filed Mar 17, 2026.⁵

Leadership

Who has led First Trinity Financial CORP, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerGregg Earl Zahn Jun 5, 2008 to Jul 15, 2021¹⁵
• ChairScott Jay Engebritson Jun 29, 2007 to Apr 3, 2008¹⁶
• PresidentGregg Earl Zahn Jun 5, 2008 to Jun 16, 2009¹⁵

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

• Family Benefit Life Insurance Company Oklahoma⁴
• Trinity American, Inc. Barbados, West Indies⁴
• Trinity Life Insurance Company Oklahoma⁴
• Trinity Mortgage Corporation Oklahoma⁴

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

1. Jun 25, 20268-K Change in control; Shareholder vote³⁰
2. May 27, 20268-K Other events³¹
3. Dec 5, 20258-K Director nominations; Other events³²
4. Aug 21, 20248-K Executive or director change³³
5. May 17, 20248-K Change in control; Shareholder vote³⁴
6. Feb 28, 20248-K Ended a material agreement; Director nominations³⁵
7. Sep 20, 20238-K Director nominations; Other events³⁶
8. Apr 27, 20238-K Code of ethics changed³⁷
9. Apr 26, 20238-K Entered a material agreement; Director nominations; Regulation FD disclosure³⁸
10. May 25, 20228-K Entered a material agreement; Executive or director change³⁹
11. May 19, 20228-K Change in control; Shareholder vote⁴⁰
12. Dec 7, 20218-K Entered a material agreement; Executive or director change⁴¹
13. Jun 5, 2008New chief executive Gregg Earl Zahn becomes CEO¹⁵

Filings

51 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 13 major events, 2 insider forms, 15 other. The latest 20:

1. Aug 13, 202610-Q EDGAR
2. Jun 29, 20264 EDGAR
3. Jun 29, 20264 EDGAR
4. Jun 25, 20268-K EDGAR
5. May 27, 2026DEFA14A EDGAR
6. May 27, 20268-K EDGAR
7. May 15, 202610-Q EDGAR
8. Apr 9, 2026SC 14N EDGAR
9. Mar 30, 2026DEF 14A EDGAR
10. Mar 17, 202610-K EDGAR
11. Dec 5, 20258-K EDGAR
12. Nov 13, 202510-Q EDGAR
13. Aug 14, 202510-Q EDGAR
14. May 14, 202510-Q EDGAR
15. Mar 13, 202510-K EDGAR
16. Mar 12, 2025SC 14N EDGAR
17. Nov 14, 202410-Q EDGAR
18. Aug 21, 20248-K EDGAR
19. Aug 13, 202410-Q EDGAR
20. May 17, 20248-K EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

2 open-market trades by officers, directors and large owners since October 2021: 2 buys and 0 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

PPP loans

Paycheck Protection Program loans of $150,000 and up, approved April 2020 to July 2021, from the SBA⁴³. Matched to this company by name and state.

1. Apr 7, 2020$286.5K PPP loan (first draw) from Firstar Bank⁴³To FIRST TRINITY FINANCIAL CORPORATION, Tulsa OK; $288.3K forgiven Feb 16, 2021

SEC filer profile

How First Trinity Financial CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARFirst Trinity Financial CORP¹
• CIK0001395585
• Employer ID (EIN)34-1991436⁵
• Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company⁵
• Incorporated inOklahoma⁵
• Fiscal year endsDecember 31¹
• Industry code (SIC)6311 Life Insurance¹
• SEC reviewing officeOffice of Finance, Division of Corporation Finance¹
• Business address7633 East 63Rd Place, Suite 230, Tulsa, OK 74133¹
• Phone918-249-2438¹
• Shares outstanding9,333,404 Common Class A shares; 101,102 Common Class B shares as of Mar 9, 2026⁵
• AuditorKerber, Eck & Braeckel LLP, Springfield, Illinois PCAOB ID 718; no auditor attestation of internal control over financial reporting⁵
• On EDGAR sinceApr 30, 2007¹
• Filings295 in all: 8-K (70), 10-Q (56), 4 (23), 424B3 (20), 10-K (18), DEF 14A (17), 3 (12), UPLOAD (9)¹
  All 33 form types

  CORRESP (7), EFFECT (6), SC 14N (6), 5 (5), 10-K/A (4), DEFA14A (4), POS AM (4), PRE 14A (4), 8-K/A (3), S-1/A (3), S-4/A (3), 10QSB (2), 10SB12G/A (2), NT 10-K (2), NT 10-Q (2), PRER14A (2), S-4 (2), SC TO-T/A (2), 10KSB (1), 10KSB/A (1), 10SB12G (1), D (1), S-1 (1), SC 14D9 (1), SC TO-T (1)

• Latest filingsAnnual report (10-K) Mar 17, 2026
  Quarterly report (10-Q) Aug 13, 2026
  Proxy statement (DEF 14A) Mar 30, 2026
  Latest 8-K (8-K) Jun 25, 2026

Risk factors and legal proceedings

Legal proceedings

From time to time, we are a party to various legal proceedings in the ordinary course of business. While management is unable to predict the ultimate outcome of these actions, it believes that any ultimate liability arising from them will not have a material effect on the Company’s financial position, results of operations or cash flow. We are not currently a party to any bankruptcy, receivership, reorganization, adjustment or similar proceeding, and we are not aware of any material threatened litigation. As summarized below, the Company is currently involved in two pending lawsuits.

A lawsuit filed by the Company and its Chairman and Chief Executive Officer, Gregg E. Zahn (“Mr. Zahn”) styled First Trinity Financial Corporation and Gregg E. Zahn vs. C. Wayne Pettigrew and Group & Pension Planners was originally filed in 2013 in the District Court of Tulsa County, Oklahoma against former Company Board of Director, C. Wayne Pettigrew (“Mr. Pettigrew”). The Company and Mr. Zahn alleged that Mr. Pettigrew defamed Mr. Zahn and the Company and that Mr. Pettigrew breached his fiduciary duties to the Company by making untrue statements about the Company and Mr. Zahn to the press, state regulators and to certain shareholders.

In February 2017, the lawsuit resulted in a jury verdict in favor of the Company and Mr. Zahn, with the jury awarding damages of $800,000 to the Company and $3,500,000 to Mr. Zahn. In February 2020, the Oklahoma Court of Civil Appeals, upon an appeal by Mr. Pettigrew, reversed the judgment and remanded the case for a new trial. A Petition for Certiorari review with the Oklahoma Supreme Court by the Company and Mr. Zahn was declined in December, 2020. The case was scheduled to be retried in the district court but was settled with the defendant on April 14, 2025.

The opening of Item 3, Legal Proceedings.⁵