CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 898	$ 691
Adjustments to reconcile net income to net cash used in operating activities:
Amortization of deferred acquisition costs	2,492	2,961
Acquisition costs deferred	(2,295)	(2,780)
Realized investment gains, net	(752)	(951)
Decrease in insurance reserves	(14,207)	(8,284)
Compensation expense related to share awards	119	65
Depreciation and amortization	291	283
Deferred income tax expense	478	308
Decrease in receivables, net	8,304	4,690
Decrease in other liabilities	(2,277)	(1,289)
Other, net	(8)	65
Net cash used in operating activities	(6,957)	(4,241)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	18,657	28,049
Investments purchased	(16,157)	(20,338)
Additions to property and equipment	(226)	(67)
Net cash provided by investing activities	2,274	7,644
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from shares issued under stock plans	15	11
Purchase of shares for treasury	(170)	(94)
Net cash used in financing activities	(155)	(83)
Net (decrease) increase in cash and cash equivalents	(4,838)	3,320
Cash and cash equivalents at beginning of period	15,622	16,375
Cash and cash equivalents at end of period	10,784	19,695
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	367	351
Cash paid for income taxes	$ 0	$ 215