Notes Payable Level 3 (Tables)

9 Months Ended

Sep. 30, 2012

Payables and Accruals [Abstract]

Schedule of Long-term Debt Instruments [Table Text Block]

The Company's Note Payable consisted of the following at:	September 30, 2012			December 31, 2011
Wells Fargo Bank, N.A.- credit facility, maturing August 2017	$	71,168		$	—
Maximum balance allowed on Wells Fargo Bank, N.A credit facility	$	125,000		$	—
SunTrust Bank, N.A. - revolving credit facility, maturing June 2013	$	—		$	73,000
Maximum balance allowed on SunTrust Bank, N.A revolving credit facility	$	—		$	85,000
Interest rate on the respective note payable at the end of the respective periods:	3.59		%	4.59		%

Schedule of Maturities of Long-term Debt [Table Text Block]

2012 (remaining three months)	$	1,250
2013	5,000
2014	5,000
2015	5,000
2016	5,000
Thereafter	49,918
Total	$	71,168

Line of Credit Covenant Requirements [Table Text Block]

The following is a summary of the Company's more significant financial covenants related to the Wells Fargo Bank, N.A. facility calculated at September 30, 2012, except for RBC Ratios, which under the Credit Agreement are to reflect the ratios calculated as of the most recent fiscal year end, in this case December 31, 2011.

		Actual At
Covenant	Covenant Requirement	September 30, 2012
Total leverage ratio	not more than 3.50	2.40
Fixed charge coverage ratio	not less than 2.00	3.86
Reinsurance ratio	not less than 50%	75.0%
RBC Ratio's		Actual at December 31, 2011
RBC Ratio - Bankers Life of Louisiana	not less than 250%	507.0%
RBC Ratio - Southern Financial Life Insurance Company	not less than 250%	2,039.0%
RBC Ratio - Insurance Company of the South	not less than 250%	495.0%
RBC Ratio - Lyndon Southern Insurance Company	not less than 250%	339.0%
RBC Ratio - Life of the South Insurance Company	not less than 250%	352.0%