Segment Information (Tables)

12 Months Ended

Dec. 31, 2017



	Year ended December 31, 2017
	Life Insurance			Home Service		Other Non-Insurance Operations		Consolidated
	(In thousands)
Revenues:
Premiums	$	150,708		47,012		—		197,720
Net investment income	38,578			13,132		1,436		53,146
Realized investment gains (losses), net	(461		)	979		—		518
Other income	1,061			3		179		1,243
Total revenue	189,886			61,126		1,615		252,627
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	60,393			22,512		—		82,905
Increase in future policy benefit reserves	70,783			5,246		—		76,029
Policyholders' dividends	6,226			42		—		6,268
Total insurance benefits paid or provided	137,402			27,800		—		165,202
Commissions	25,760			15,564		—		41,324
Other general expenses	18,597			23,395		4,396		46,388
Capitalization of deferred policy acquisition costs	(23,157		)	(5,963	)	—		(29,120	)
Amortization of deferred policy acquisition costs	25,295			4,395		—		29,690
Amortization of cost of customer relationships acquired	595			1,534		—		2,129
Total benefits and expenses	184,492			66,725		4,396		255,613
Income (loss) before income tax expense	$	5,394		(5,599	)	(2,781	)	(2,986	)



	Year ended December 31, 2016
	Life Insurance			Home Service		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	151,195		46,681		—		197,876
Net investment income	33,350			13,705		1,505		48,560
Realized investment losses, net	(1,685		)	(300	)	—		(1,985	)
Other income	882			5		68		955
Total revenue	183,742			60,091		1,573		245,406
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	58,440			22,927		—		81,367
Increase in future policy benefit reserves	71,373			4,508		—		75,881
Policyholders' dividends	6,774			58		—		6,832
Total insurance benefits paid or provided	136,587			27,493		—		164,080
Commissions	29,235			15,406		—		44,641
Other general expenses	14,284			15,252		3,820		33,356
Capitalization of deferred policy acquisition costs	(26,742		)	(5,990	)	—		(32,732	)
Amortization of deferred policy acquisition costs	24,428			4,087		—		28,515
Amortization of cost of customer relationships acquired	559			1,504		—		2,063
Total benefits and expenses	178,351			57,752		3,820		239,923
Income (loss) before income tax expense	$	5,391		2,339		(2,247	)	5,483



	Year ended December 31, 2015
	Life Insurance			Home Service		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	147,832		46,648		—		194,480
Net investment income	30,206			14,063		1,513		45,782
Realized investment losses, net	(3,873		)	(1,586	)	—		(5,459	)
Other income	1,008			86		371		1,465
Total revenue	175,173			59,211		1,884		236,268
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	55,912			22,967		—		78,879
Increase in future policy benefit reserves	73,259			3,801		—		77,060
Policyholders' dividends	10,695			52		—		10,747
Total insurance benefits paid or provided	139,866			26,820		—		166,686
Commissions	28,336			15,289		—		43,625
Other general expenses	16,345			13,349		3,593		33,287
Capitalization of deferred policy acquisition costs	(25,268		)	(5,836	)	—		(31,104	)
Amortization of deferred policy acquisition costs	20,025			3,375		—		23,400
Amortization of cost of customer relationships acquired	641			1,676		—		2,317
Total benefits and expenses	179,945			54,673		3,593		238,211
Income (loss) before income tax expense	$	(4,772	)	4,538		(1,709	)	(1,943	)

The table below summarizes assets by segment.



	December 31,
	2017		2016
	(In thousands)
Assets:
Life Insurance	$	1,191,051	1,130,288
Home Service Insurance	377,578		374,986
Other Non-Insurance Operations	75,824		78,394
Total assets	$	1,644,453	1,583,668

Major categories of earned premiums are summarized as follows:

Geographic Information

The following table sets forth the Company's annual total of earned premiums from geographic area for the years indicated: