COMMITMENTS AND CONTINGENCIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2012 Category	Dec. 31, 2011
COMMITMENTS AND CONTINGENCIES [Abstract]
Number of major categories the entity commitments and contingencies are grouped into	3
Insurer solvency association regulatory assessments	$ 800,000
Net deferred tax asset	$ 4,338,000	$ 8,612,000