DEFERRED COSTS (Tables)

12 Months Ended

Dec. 31, 2018

Deferred Policy Acquisition Costs Disclosures [Abstract]

Deferred Policy Acquisition Costs [Table Text Block]

The table below summarizes the activity within the deferred commission costs account, during the year ended December 31, 2018:

	January 1,		Commission		Commission			December 31,
	2018		Costs Deferred		Amortized			2018
Deferred costs, short term	$	80,153	$	199,236	$	(103,383	)	$	176,006
Deferred costs, long term		-		93,790		-			93,790
Deferred commission costs	$	80,153	$	293,026	$	(103,383	)	$	269,796