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REGULATORY REQUIREMENTS AND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2014
REGULATORY REQUIREMENTS AND RESTRICTIONS [Abstract]  
Schedule of range and test results as per IRIS Ratios
The table below reflects the range and test results for FNIC for the years ended December 31, 2014 and 2013, respectively.

IRIS Ratios
 
Unusual Values Equal to Or
  
2014
  
2013
 
  
Over
  
Under
  
FNIC
  
FNIC
 
         
Gross Premiums to Policyholders' Surplus
  
900
   
-
   
308
   
325
 
Net Premium to Policyholders' Surplus
  
300
   
-
   
147
   
217
 
Change in Net Writings
  
33
   
(33
)
  
10
   
137
*
Surplus Aid to Policyholders' Surplus
  
15
   
-
   
11
   
0
 
Two-year Overall Operating Ratio
  
100
   
-
   
79
   
84
 
Investment Yield
  
6.5
   
3.0
   
1.5
*
  
1.4
*
Gross Change in Policyholders' Surplus
  
50
   
(10
)
  
63
*
  
48
 
Net Change in Adjusted Policyholders' Surplus
  
25
   
(10
)
  
39
*
  
17
 
Liabilities to Liquid Assets
  
105
   
-
   
70
   
79
 
Gross Agents' Balance to Policyholders' Surplus
  
40
   
-
   
5
   
13
 
One-Year Reserve Development to Policyholders' Surplus
  
20
   
-
   
3
   
(4
)
Two-Year Reserve Development to Policyholders' Surplus
  
20
   
-
   
7
   
(7
)
Estimated Current Reserve Deficiency to Policyholders' Surplus
  
25
   
-
   
38
*
  
56
*

* indicates an unusual value