Debt Instrument, Covenant Compliance, Fixed Charge Coverage Ratio

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Debt Instrument, Covenant Compliance, Reinsurance Ratio

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Debt Instrument, Covenant Compliance, Risk Based Capital Ratio

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Debt Instrument, Covenant Compliance, Total Leverage Ratio

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Fixed Charge Coverage Ratio - the ratio of (a) Consolidated Adjusted EBITDA less the actual amount paid by the Borrowers and their Subsidiaries in cash on account of Capital Expenditures less cash taxes paid by the Borrowers and their Subsidiaries to (b) Consolidated Fixed Charges, in each case for the Measurement Period ending on or immediately prior to such date

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Risk-Based Capital ("RBC") Ratio - the ratio (expressed as a percentage) of NAIC RBC (as defined in the NAIC standards) for any Regulated Insurance Company on an individual basis, calculated at the end of any Fiscal Year, to the "authorized control level" (as defined in the NAIC standards).

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Reinsurance Ratio - the ratio (expressed as a percentage) of (a) the aggregate amounts recoverable by the Borrowers and its Subsidiaries from reinsurers divided by (b) the sum of (i) policy and claim liabilities plus (ii) unearned premiums, in each case of the Borrowers and their Subsidiaries determined in accordance with GAAP.

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Total Leverage Ratio - the ratio of (i) Consolidated Total Debt as of such date to (ii) Consolidated Adjusted EBITDA for the Measurement Period ending on or immediately prior to such date.

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Notes Payable Covenants (Details)								6 Months Ended
Notes Payable Covenants (Details)	Jun. 30, 2014	Dec. 31, 2013 Bankers Life of Louisiana [Member]	Dec. 31, 2013 Southern Financial Life Insurance Company [Member]	Dec. 31, 2013 Insurance Company of the South [Member]	Dec. 31, 2013 Lyndon Southern Insurance Company [Member]	Dec. 31, 2013 Life of the South Insurance Company [Member]	Dec. 31, 2013 Response Indemnity Company of California [Member]	Jun. 30, 2014 Maximum [Member]	Jun. 30, 2014 Minimum [Member]	Jun. 30, 2014 Minimum [Member] Bankers Life of Louisiana [Member]	Jun. 30, 2014 Minimum [Member] Southern Financial Life Insurance Company [Member]	Jun. 30, 2014 Minimum [Member] Insurance Company of the South [Member]	Jun. 30, 2014 Minimum [Member] Lyndon Southern Insurance Company [Member]	Jun. 30, 2014 Minimum [Member] Life of the South Insurance Company [Member]	Jun. 30, 2014 Minimum [Member] Response Indemnity Company of California [Member]
Debt Instrument [Line Items]
Total Leverage Ratio - Well Fargo Bank, credit facility	0.82
Fixed Charge Coverage Ratio-Wells Fargo, credit facility	4.17
Reinsurance Ratio-Wells Fargo Bank, credit facility	69.00%
RBC Ratio		435.00%	2096.00%	366.00%	305.00%	430.00%	39754.00%
Debt Instrument, Covenant Compliance, Total Leverage Ratio								3.25
Debt Instrument, Covenant Compliance, Fixed Charge Coverage Ratio									2.00
Debt Instrument, Covenant Compliance, Reinsurance Ratio									50.00%
Debt Instrument, Covenant Compliance, Risk Based Capital Ratio										250.00%	250.00%	250.00%	250.00%	250.00%	250.00%