Segment Information

6 Months Ended

Jun. 30, 2013

Segment Reporting, Disclosure of Entity's Reportable Segments [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, 2013
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	32,850		10,984		—		43,834
Net investment income	5,584			3,341		340		9,265
Realized investment gains, net	81			1		—		82
Other income	351			46		30		427
Total revenue	38,866			14,372		370		53,608
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	11,429			5,231		—		16,660
Increase in future policy benefit reserves	17,047			849		—		17,896
Policyholders' dividends	2,216			19		—		2,235
Total insurance benefits paid or provided	30,692			6,099		—		36,791
Commissions	6,697			3,732		—		10,429
Other general expenses	2,928			3,225		1,189		7,342
Capitalization of deferred policy acquisition costs	(6,170		)	(1,502	)	—		(7,672	)
Amortization of deferred policy acquisition costs	3,870			493		—		4,363
Amortization of cost of customer relationships acquired	154			406		—		560
Total benefits and expenses	38,171			12,453		1,189		51,813
Income (loss) before income tax expense	$	695		1,919		(819	)	1,795

	Six Months Ended
	June 30, 2013
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	62,967		21,807		—		84,774
Net investment income	10,488			6,521		645		17,654
Realized investment gains, net	81			31		1		113
Other income	414			136		63		613
Total revenue	73,950			28,495		709		103,154
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	20,767			10,699		—		31,466
Increase in future policy benefit reserves	33,089			1,766		—		34,855
Policyholders' dividends	4,275			34		—		4,309
Total insurance benefits paid or provided	58,131			12,499		—		70,630
Commissions	12,276			7,211		—		19,487
Other general expenses	5,780			6,491		1,770		14,041
Capitalization of deferred policy acquisition costs	(11,256		)	(2,778	)	—		(14,034	)
Amortization of deferred policy acquisition costs	7,855			1,134		—		8,989
Amortization of cost of customer relationships acquired	321			817		—		1,138
Total benefits and expenses	73,107			25,374		1,770		100,251
Income (loss) before income tax expense	$	843		3,121		(1,061	)	2,903

	Three Months Ended
	June 30, 2012
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	30,601		10,995		—		41,596
Net investment income	4,253			3,075		284		7,612
Realized investment gains, net	187			40		19		246
Decrease in fair value of warrants	—			—		37		37
Other income	75			6		30		111
Total revenue	35,116			14,116		370		49,602
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	10,772			5,337		—		16,109
Increase in future policy benefit reserves	16,201			550		—		16,751
Policyholders' dividends	2,268			13		—		2,281
Total insurance benefits paid or provided	29,241			5,900		—		35,141
Commissions	5,990			3,741		—		9,731
Other general expenses	2,411			3,006		925		6,342
Capitalization of deferred policy acquisition costs	(5,507		)	(1,537	)	—		(7,044	)
Amortization of deferred policy acquisition costs	3,749			684		—		4,433
Amortization of cost of customer relationships acquired	184			476		—		660
Total benefits and expenses	36,068			12,270		925		49,263
Income (loss) before income tax expense	$	(952	)	1,846		(555	)	339

	Six Months Ended
	June 30, 2012
	Life Insurance			Home Service Insurance		Other Non-Insurance Enterprises		Consolidated
	(In thousands)
Revenues:
Premiums	$	58,770		21,922		—		80,692
Net investment income	8,411			6,230		548		15,189
Realized investment gains, net	189			127		28		344
Decrease in fair value of warrants	—			—		73		73
Other income	132			12		65		209
Total revenue	67,502			28,291		714		96,507
Benefits and expenses:
Insurance benefits paid or provided:
Claims and surrenders	20,699			10,164		—		30,863
Increase in future policy benefit reserves	29,419			1,473		—		30,892
Policyholders' dividends	4,130			25		—		4,155
Total insurance benefits paid or provided	54,248			11,662		—		65,910
Commissions	11,012			7,383		—		18,395
Other general expenses	5,331			5,970		1,657		12,958
Capitalization of deferred policy acquisition costs	(10,019		)	(2,964	)	—		(12,983	)
Amortization of deferred policy acquisition costs	7,400			1,159		—		8,559
Amortization of cost of customer relationships acquired	393			843		—		1,236
Total benefits and expenses	68,365			24,053		1,657		94,075
Income (loss) before income tax expense	$	(863	)	4,238		(943	)	2,432