Segment Information

6 Months Ended

Jun. 30, 2015

Segment Reporting Information, Operating Income (Loss) [Abstract]

Segment Information

Segment Information

The Company has three reportable segments:  Life Insurance, Home Service Insurance, and Other Non-Insurance Enterprises.  The accounting policies of the segments are in accordance with U.S. GAAP and are the same as those used in the preparation of the consolidated financial statements.  The Company evaluates profit and loss performance based on U.S. GAAP income before federal income taxes for its three reportable segments.

The Company has no reportable differences between segments and consolidated operations.

	Three Months Ended
	June 30, 2015
	Life Insurance			Home Service Insurance			Other Non-Insurance Enterprises			Consolidated
	(In thousands)
Revenues:
Premiums	$	36,707		11,753			—			48,460
Net investment income	7,387			3,441			373			11,201
Realized investment losses, net	(2		)	(6		)	—			(8		)
Other income	160			22			244			426
Total revenue	44,252			15,210			617			60,079
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	13,465			5,775			—			19,240
Increase in future policy benefit reserves	18,490			1,270			—			19,760
Policyholders' dividends	2,527			13			—			2,540
Total insurance benefits paid or provided	34,482			7,058			—			41,540
Commissions	6,815			3,990			—			10,805
Other general expenses	4,872			4,459			1,114			10,445
Capitalization of deferred policy acquisition costs	(6,423		)	(1,613		)	—			(8,036		)
Amortization of deferred policy acquisition costs	4,941			706			—			5,647
Amortization of cost of customer relationships acquired	122			394			—			516
Total benefits and expenses	44,809			14,994			1,114			60,917
Income (loss) before income tax expense	$	(557	)	$	216		$	(497	)	$	(838	)

	Six Months Ended
	June 30, 2015
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	69,686		23,340		—		93,026
Net investment income	14,618			6,905		747		22,270
Realized investment losses, net	(58		)	(21	)	—		(79	)
Other income	374			70		278		722
Total revenue	84,620			30,294		1,025		115,939
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	27,025			11,618		—		38,643
Increase in future policy benefit reserves	34,627			2,431		—		37,058
Policyholders' dividends	4,822			27		—		4,849
Total insurance benefits paid or provided	66,474			14,076		—		80,550
Commissions	12,841			7,823		—		20,664
Other general expenses	8,031			8,289		1,676		17,996
Capitalization of deferred policy acquisition costs	(11,766		)	(3,126	)	—		(14,892	)
Amortization of deferred policy acquisition costs	9,490			1,456		—		10,946
Amortization of cost of customer relationships acquired	322			841		—		1,163
Total benefits and expenses	85,392			29,359		1,676		116,427
Income (loss) before income tax expense	$	(772	)	935		(651	)	(488	)

	Three Months Ended
	June 30, 2014
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	34,569		11,760		—		46,329
Net investment income	6,466			3,282		335		10,083
Realized investment gains (losses), net	(48		)	(26	)	1		(73	)
Other income	133			3		27		163
Total revenue	41,120			15,019		363		56,502
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	11,163			5,505		—		16,668
Increase in future policy benefit reserves	18,849			1,130		—		19,979
Policyholders' dividends	2,397			15		—		2,412
Total insurance benefits paid or provided	32,409			6,650		—		39,059
Commissions	6,484			3,919		—		10,403
Other general expenses	2,965			3,499		984		7,448
Capitalization of deferred policy acquisition costs	(5,848		)	(1,575	)	—		(7,423	)
Amortization of deferred policy acquisition costs	4,205			688		—		4,893
Amortization of cost of customer relationships acquired	120			494		—		614
Total benefits and expenses	40,335			13,675		984		54,994
Income (loss) before income tax expense	$	785		1,344		(621	)	1,508

	Six Months Ended
	June 30, 2014
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	66,380		22,962		—		89,342
Net investment income	12,749			6,569		671		19,989
Realized investment gains (losses), net	(112		)	(18	)	1		(129	)
Other income	276			4		52		332
Total revenue	79,293			29,517		724		109,534
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	21,978			11,147		—		33,125
Increase in future policy benefit reserves	35,825			1,852		—		37,677
Policyholders' dividends	4,483			31		—		4,514
Total insurance benefits paid or provided	62,286			13,030		—		75,316
Commissions	12,722			7,591		—		20,313
Other general expenses	5,805			6,668		1,477		13,950
Capitalization of deferred policy acquisition costs	(11,507		)	(2,984	)	—		(14,491	)
Amortization of deferred policy acquisition costs	8,612			1,490		—		10,102
Amortization of cost of customer relationships acquired	291			854		—		1,145
Total benefits and expenses	78,209			26,649		1,477		106,335
Income (loss) before income tax expense	$	1,084		2,868		(753	)	3,199