COST OF INSURANCE ACQUIRED (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Cost of insurance acquired [Roll Forward]
Interest rate used in amortization calculation	12.00%
Cost of insurance acquired, beginning of year	$ 12,846,266	$ 14,077,281
Interest accretion	1,564,162	1,711,885
Amortization	(2,709,663)	(2,942,900)
Net amortization	(1,145,501)	(1,231,015)
Cost of insurance acquired, end of year	11,700,765	12,846,266
Estimated net amortization expense of cost of insurance acquired for the next five years [Abstract]
2013 - Estimated interest accretion	1,427,000
2013 - Estimated amortization	2,491,000
2013 - Estimated net amortization	1,064,000
2014 - Estimated interest accretion	1,299,000
2014 - Estimated amortization	2,285,000
2014 - Estimated net amortization	986,000
2015 - Estimated interest accretion	1,181,000
2015 - Estimated amortization	2,088,000
2015 - Estimated net amortization	907,000
2016 - Estimated interest accretion	1,072,000
2016 - Estimated amortization	1,945,000
2016 - Estimated net amortization	873,000
2017 - Estimated interest accretion	967,000
2017 - Estimated amortization	1,806,000
2017 - Estimated net amortization	$ 839,000