INTANGIBLE ASSETS (Tables)

12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Major Classes of Intangible Assets

Our major classes of intangible assets are presented in the following table:

	Year Ended December 31,
	2015			2014
Agency relationships	$	10,338		$	10,338
Accumulated amortization - agency relationships	(4,292		)	(3,654		)
	$	6,046		$	6,684
Software	$	3,260		$	3,260
Accumulated amortization - software	(3,260		)	(3,260		)
	$	—		$	—
Trade names	$	1,978		$	1,978
Accumulated amortization - trade names	(626		)	(495		)
	$	1,352		$	1,483
Favorable contract	$	286		$	286
Accumulated amortization - favorable contract	(286		)	(286		)
	$	—		$	—
State insurance licenses (1)	$	3,020		$	3,020
Net intangible assets	$	10,418		$	11,187

(1) The intangible asset for licenses has an indefinite life and therefore is not amortized.

Schedule of Estimated Useful Lives of Amortizable Intangible Assets

The estimated useful lives assigned to our major classes of amortizable intangible assets are as follows:

	Useful Life
Agency relationships	Fifteen years
Software	Two years
Trade names	Fifteen years
Favorable contract	Two years

Schedule of Estimated Aggregate Amortization Expense

Our estimated aggregate amortization expense for each of the next five years is as follows:

2016	$	769
2017	769
2018	719
2019	709
2020	709