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INVESTMENTS Fair Value Disclosure (Details) (USD $)
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Financial assets:    
Cash and Cash Equivalents: Cash and Cash Equivalents:  Carrying amounts for these items approximate fair value because of the short maturity of these instruments.  The majority of the cash balance is held in the Federated Government Obligations Money Market.  
Investments in fixed maturities and equity securities: Investments in fixed maturities and equity securities: Fair values are estimated based on quoted market prices, or dealer quotes for the actual or comparable securities. Fair value for equity securities that do not have a readily determinable fair value is estimated based on the value of the underlying common stock. The Company regularly evaluates the carrying value of securities to determine whether there has been any diminution in value that is other-than-temporary.  
Financial liabilities:    
Debt: Debt: Carrying amounts for these items approximates fair value because they are based on current interest rates.  
Financial assets:    
Available-for-sale securities $ 78,276,000 $ 151,420,000
Financial liabilities:    
Derivative instrument 2,511,000  
Carrying Amount
   
Financial assets:    
Cash and cash equivalents 125,547,000  
Notes and other receivables, net 6,893,000  
Reinsurance receivable 15,475,000  
Financial liabilities:    
Debt 93,431,000  
Derivative instrument 2,511,000  
Estimated Fair Value
   
Financial assets:    
Cash and cash equivalents 125,547,000  
Notes and other receivables, net 6,893,000  
Reinsurance receivable 15,475,000  
Financial liabilities:    
Debt 93,431,000  
Derivative instrument 2,511,000  
Investments with fixed maturities | Carrying Amount
   
Financial assets:    
Available-for-sale securities 36,598,000  
Investments with fixed maturities | Estimated Fair Value
   
Financial assets:    
Available-for-sale securities 36,598,000  
Equity Securities | Carrying Amount
   
Financial assets:    
Available-for-sale securities 41,678,000  
Equity Securities | Estimated Fair Value
   
Financial assets:    
Available-for-sale securities $ 41,678,000