CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Cash flows from operating activities:
Net income	$ 4,436	$ 3,290
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of deferred acquisition costs	10,451	10,475
Acquisition costs deferred	(12,325)	(12,761)
Realized investment gains, net	(1,434)	(27)
Increase in insurance reserves and policyholder funds	7,364	8,456
Depreciation and amortization	469	388
Deferred income tax benefit	(97)	(374)
Increase in receivables, net	(1,140)	(2,605)
(Decrease) increase in other liabilities	(1,376)	1,688
Other, net	(233)	598
Net cash provided by operating activities	6,115	9,128
Cash flows from investing activities:
Proceeds from investments sold	24,479	39,452
Proceeds from investments matured, called or redeemed	14,455	11,976
Investments purchased	(44,403)	(65,494)
Additions to property and equipment	(169)	(56)
Net cash used in investing activities	(5,638)	(14,122)
Cash flows from financing activities:
Payment of dividends on common stock	(1,486)	(445)
Payment of dividends on Series D Preferred Stock	(1,015)	0
Proceeds from shares issued under stock plans	297	222
Purchase of shares for treasury	(607)	(1,823)
Net cash used in financing activities	(2,811)	(2,046)
Net decrease in cash	(2,334)	(7,040)
Cash and cash equivalents at beginning of year	21,285	28,325
Cash and cash equivalents at end of year	18,951	21,285
Supplemental cash flow information:
Cash paid for interest	2,636	2,592
Cash paid for income taxes	$ 405	$ 0