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REINSURANCE (Details) (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2008
Single insured life
Dec. 31, 2005
Single insured life
Dec. 31, 2013
Concentrated credit risk
item
REINSURANCE        
Percentage of the face value of life insurance in-force reinsured 54.00%     23.00%
Life insurance in-force reinsured, concentrated number of reinsurers       3
Amount of insurance retained before revision     $ 500,000  
Amount of insurance retained   $ 2,000,000 $ 1,000,000