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Income Statement (USD $)
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Revenues:      
Insurance premiums and other considerations $ 53,008,679us-gaap_PremiumsEarnedNet $ 50,471,658us-gaap_PremiumsEarnedNet $ 48,216,327us-gaap_PremiumsEarnedNet
Net investment income 28,303,740us-gaap_InvestmentIncomeNet 20,354,002us-gaap_InvestmentIncomeNet 21,915,577us-gaap_InvestmentIncomeNet
Net mortuary and cemetery sales 11,426,308us-gaap_SalesRevenueGoodsNet 12,000,375us-gaap_SalesRevenueGoodsNet 10,864,497us-gaap_SalesRevenueGoodsNet
Realized gains on investments and other assets 1,918,176us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments 1,418,051us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments 1,424,510us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments
Other than temporary impairments (164,240)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (336,226)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet (1,207,632)us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet
Mortgage fee income 128,696,998fil_MortgageFeeIncome 128,800,930fil_MortgageFeeIncome 151,887,838fil_MortgageFeeIncome
Other income 3,747,013us-gaap_OtherIncome 2,606,230us-gaap_OtherIncome 1,159,052us-gaap_OtherIncome
Total revenues 226,936,674us-gaap_Revenues 215,315,020us-gaap_Revenues 234,260,169us-gaap_Revenues
Benefits and expenses:      
Death benefits 27,100,278fil_PolicyholderDeathBenefits 26,048,325fil_PolicyholderDeathBenefits 22,277,037fil_PolicyholderDeathBenefits
Surrenders and other policy benefits 2,689,686fil_OtherPolicyholderBenefits 2,486,611fil_OtherPolicyholderBenefits 1,969,051fil_OtherPolicyholderBenefits
Increase in future policy benefits 18,060,151us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense 19,594,890us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense 21,435,191us-gaap_LiabilityForFuturePolicyBenefitsPeriodExpense
Amortization of deferred policy and pre-need acquisition costs and value of business acquired 6,892,978us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization 5,181,837us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization 5,449,429us-gaap_DeferredPolicyAcquisitionCostsAndPresentValueOfFutureProfitsAmortization
Commissions 59,876,675us-gaap_SalesCommissionsAndFees 65,979,564us-gaap_SalesCommissionsAndFees 83,840,427us-gaap_SalesCommissionsAndFees
Personnel 49,360,406us-gaap_SalariesWagesAndOfficersCompensation 42,795,925us-gaap_SalariesWagesAndOfficersCompensation 35,469,486us-gaap_SalariesWagesAndOfficersCompensation
Advertising 4,584,436us-gaap_AdvertisingExpense 4,837,714us-gaap_AdvertisingExpense 4,050,187us-gaap_AdvertisingExpense
Rent and rent related 6,135,876us-gaap_OperatingLeasesRentExpenseNet 5,457,988us-gaap_OperatingLeasesRentExpenseNet 4,503,285us-gaap_OperatingLeasesRentExpenseNet
Depreciation on property and equipment 2,177,165us-gaap_AccumulatedDepreciationDepletionAndAmortizationWritedownOfPropertyPlantAndEquipment 1,621,069us-gaap_AccumulatedDepreciationDepletionAndAmortizationWritedownOfPropertyPlantAndEquipment 1,258,097us-gaap_AccumulatedDepreciationDepletionAndAmortizationWritedownOfPropertyPlantAndEquipment
Provision for loan losses and loss reserve 3,053,403us-gaap_ProvisionForLoanLossesExpensed 1,751,472us-gaap_ProvisionForLoanLossesExpensed 4,239,418us-gaap_ProvisionForLoanLossesExpensed
Costs related to funding mortgage loans 6,877,069fil_CostOfFundingMortgageLoans 6,635,290fil_CostOfFundingMortgageLoans 6,931,045fil_CostOfFundingMortgageLoans
Other expenses 22,800,066us-gaap_OtherExpenses 18,328,005us-gaap_OtherExpenses 16,017,975us-gaap_OtherExpenses
Interest expense 2,994,429us-gaap_InterestExpense 2,853,701us-gaap_InterestExpense 3,744,293us-gaap_InterestExpense
Cost of goods and services sold - mortuaries and cemeteries 1,853,103us-gaap_CostOfGoodsAndServicesSold 1,918,902us-gaap_CostOfGoodsAndServicesSold 1,723,955us-gaap_CostOfGoodsAndServicesSold
Total benefits and expenses 214,455,721us-gaap_BenefitsLossesAndExpenses 205,491,293us-gaap_BenefitsLossesAndExpenses 212,908,876us-gaap_BenefitsLossesAndExpenses
Earnings before income taxes 12,480,953us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 9,823,727us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 21,351,293us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense (4,726,305)us-gaap_IncomeTaxExpenseBenefit (2,237,806)us-gaap_IncomeTaxExpenseBenefit (4,638,775)us-gaap_IncomeTaxExpenseBenefit
Net earnings $ 7,754,648us-gaap_NetIncomeLoss $ 7,585,921us-gaap_NetIncomeLoss $ 16,712,518us-gaap_NetIncomeLoss
Net earnings per Class A equivalent common share (1) $ 0.62us-gaap_EarningsPerShareBasic $ 0.61us-gaap_EarningsPerShareBasic $ 1.46us-gaap_EarningsPerShareBasic
Net earnings per Class A equivalent common share - assuming dilution(1) $ 0.60us-gaap_EarningsPerShareDiluted $ 0.58us-gaap_EarningsPerShareDiluted $ 1.39us-gaap_EarningsPerShareDiluted
Weighted average Class A equivalent common shares outstanding (1) 12,518,743us-gaap_WeightedAverageNumberOfSharesOutstandingBasic 12,366,029us-gaap_WeightedAverageNumberOfSharesOutstandingBasic 11,427,568us-gaap_WeightedAverageNumberOfSharesOutstandingBasic
Weighted average Class A equivalent common shares outstanding-assuming dilution (1) 12,928,009us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding 12,981,576us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding 12,026,849us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding