3) Investments: Schedule of Major categories of net investment income (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Gross Investment Income	$ 7,005,539	$ 6,437,111	$ 21,546,508	$ 17,392,188
Investment Income, Investment Expense	(1,272,967)	(1,329,521)	(3,621,990)	(3,296,792)
Net Investment Income	5,732,572	5,107,590	17,924,518	14,095,396
Fixed Maturities
Gross Investment Income	1,949,666	2,033,778	5,803,282	5,773,035
Equity Securities
Gross Investment Income	65,839	70,589	197,563	197,480
Collateralized Mortgage Backed Securities
Gross Investment Income	1,566,734	1,839,705	5,700,159	4,881,213
Real Estate
Gross Investment Income	1,058,147	787,465	3,018,346	1,496,912
Policy, Student and other loans
Gross Investment Income	192,198	195,843	610,472	619,972
Short-term investments, principally gains on sale of mortgage loans
Gross Investment Income	$ 2,172,955	$ 1,509,731	$ 6,216,686	$ 4,423,576