INVESTMENTS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014 Loans	Dec. 31, 2013
Fixed maturities [Abstract]
Original or Amortized Cost	$ 227,910,002	$ 209,710,626
Gross Unrealized Gains	13,020,260	8,791,365
Gross Unrealized Losses	(2,452,804)	(3,577,189)
Estimated Market Value	238,477,458	214,924,802
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Total Unrealized losses	(2,452,804)	(3,577,189)
Amortized cost of debt securities, by contractual maturity [Abstract]
Due in one year or less	2,723,893
Due after one year through five years	19,444,054
Due after five years through ten years	78,079,450
Due after ten years	87,381,886
Collateralized mortgage obligation	1,005,081
Total	188,634,364
Estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	2,787,390
Due after one year through five years	20,607,694
Due after five years through ten years	82,024,008
Due after ten years	90,965,199
Collateralized mortgage obligations	1,097,165
Available-for-sale Securities, Debt Securities	197,481,456	174,409,824
Amortized cost of investment in fixed maturities rated below investment grade	9,142,063	13,842,824
Trading Securities [Abstract]
Fair value, derivative included in trading security liabilities	(23,853)	(353,907)
Fair value, derivatives included in trading security assets	6,250	194,000
Increase (Decrease) in Trading Securities [Abstract]
Trading securities, realized gain (loss)	(722,573)	(36,876)
Trading securities, net unrealized gain (loss)	245,995	35,932
Net Realized and Unrealized Gain (Loss) on Trading Securities	(476,578)	(944)
Mortgages [Abstract]
Mortgage Loans including Discounted Mortgage Loans	2,348,890	16,761,525
Servicing Fee on Loan Percent	0.25%
Loan Origination Percent	0.50%	0.50%
Commercial loans maximum rate	10.00%	10.00%
Commercial loans minimum rate	3.91%	3.25%
Residential loans maximum rate	8.00%	8.00%
Residential loans minimum rate	7.00%	7.00%
Loan limit threshold for appraised property value	80.00%
Average purchase price to outstanding loan (in hundredths)	27.30%
Mortgage loans reserve	0	0
Discounted mortgage loan portfolio payment performance [Abstract]
Number of discounted loans with no payments	8
Number of discounted loans one time payment received	1
Number of discounted loans irregular payments received	5
Number of discounted loans periodic payments received	9
Number of discounted loans	23
Discounted loans with no payments	0
Discounted loans with one time payment received	0
Discounted loans with irregular payments received	3,614,448
Discounted loans with periodic payments received	5,486,604
Discounted loans	9,101,052
Discounted mortgage loan holdings [Abstract]
In good standing	1,267,524	1,493,437
Overdue interest over 90 days	3,130,290	4,875,812
Restructured	219,973	4,037,814
In process of foreclosure	4,483,265	2,423,672
Total discounted mortgage loans	9,101,052	12,830,735
Total foreclosed discounted mortgage loans	56,576	6,294,403
NET INVESTMENT INCOME [Abstract]
Investment Income	25,124,477	30,328,355
Investment Income, Investment Expense	(8,774,758)	(8,064,520)
Consolidated Net Investment Income	16,349,719	22,263,835
Gain (Loss) on Investments [Line Items]
Gross realized gains	19,831,735	2,400,736
Gross Realized (Losses)	(2,773,562)	(1,511,483)
Total realized investment gains (losses), net	17,058,173	889,253
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Total	162,905	1,201,775
Fair value of investments on deposit with state insurance departments	10,635,716	10,824,094
Common Stock [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	126,959	1,000,000
Real Estate [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	35,946	201,775
Fixed Maturity Available for Sale [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	2,414,160	1,631,590
Gross Realized (Losses)	(1,135,417)	(33,898)
Total realized investment gains (losses), net	1,278,743	1,597,692
Fixed Maturities Available for Sale - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0	0
Gross Realized (Losses)	(35,946)	(201,775)
Total realized investment gains (losses), net	(35,946)	(201,775)
Equity Securities [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	673,821	76,973
Gross Realized (Losses)	(14,908)	(10,245)
Total realized investment gains (losses), net	658,913	66,728
Preferred stock [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	1,986,303	411
Gross Realized (Losses)	0	0
Total realized investment gains (losses), net	1,986,303	411
Equity Securities - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0	0
Gross Realized (Losses)	(126,959)	(1,000,000)
Total realized investment gains (losses), net	(126,959)	(1,000,000)
Real Estate [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	14,757,451	691,762
Gross Realized (Losses)	(1,460,332)	(254,430)
Total realized investment gains (losses), net	13,297,119	437,332
Mortgage loans [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains		0
Gross Realized (Losses)		(11,135)
Total realized investment gains (losses), net		(11,135)
Fixed Maturity Available for Sale [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	8,225,640	8,060,930
Equity Securities [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	3,255,611	2,955,918
Trading Securities [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	(476,578)	(944)
Mortgage Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	925,862	888,960
Discounted Mortgage Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	3,666,991	7,672,483
Real Estate [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	8,695,153	9,967,590
Policy Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	760,715	782,358
Short-term Investments [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	70,578	1,060
Cash and Cash Equivalents [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	505	0
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	23,036,161	32,963,938
Gross Unrealized Gains	1,970,791	3,156,158
Gross Unrealized Losses	(50,184)	(107,550)
Estimated Market Value	24,956,768	36,012,546
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0	4,889,060
Less than 12 months, Unrealized losses	0	(107,550)
Twelve months or longer, Fair value	4,947,265	0
Twelve months or longer, Unrealized losses	(50,184)	0
Total Fair value	4,947,265	4,889,060
Total Unrealized losses	(50,184)	(107,550)
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	95,000	110,000
Gross Unrealized Gains	2,385	0
Gross Unrealized Losses	0	(924)
Estimated Market Value	97,385	109,076
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value		109,076
Less than 12 months, Unrealized losses		(924)
Twelve months or longer, Fair value		0
Twelve months or longer, Unrealized losses		0
Total Fair value		109,076
Total Unrealized losses	0	(924)
Collateralized Mortgage Obligations [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,005,081	1,289,975
Gross Unrealized Gains	92,091	116,900
Gross Unrealized Losses	(6)	(13)
Estimated Market Value	1,097,166	1,406,862
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0	1,922
Less than 12 months, Unrealized losses	0	(13)
Twelve months or longer, Fair value	1,012	0
Twelve months or longer, Unrealized losses	(6)	0
Total Fair value	1,012	1,922
Total Unrealized losses	(6)	(13)
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,927	399,913
Gross Unrealized Gains	55,913	49,567
Gross Unrealized Losses	0	0
Estimated Market Value	455,840	449,480
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value		0
Less than 12 months, Unrealized losses		0
Twelve months or longer, Fair value		0
Twelve months or longer, Unrealized losses		0
Total Fair value		0
Total Unrealized losses	0	0
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	188,634,364	171,085,396
Gross Unrealized Gains	10,759,405	6,901,617
Gross Unrealized Losses	(1,912,313)	(3,577,189)
Estimated Market Value	197,481,456	174,409,824
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	28,954,477	55,178,395
Less than 12 months, Unrealized losses	(416,560)	(1,829,669)
Twelve months or longer, Fair value	9,267,873	7,318,832
Twelve months or longer, Unrealized losses	(1,495,753)	(1,747,520)
Total Fair value	38,222,350	62,497,227
Total Unrealized losses	(1,912,313)	(3,577,189)
Less than 12 months Number of Securities	18	30
Twelve months or longer Number of Securities	7	5
Total Number of Securities	25	35
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	39,275,638	38,625,230
Gross Unrealized Gains	2,260,855	1,889,748
Gross Unrealized Losses	(540,491)	0
Estimated Market Value	40,996,002	40,514,978
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	6,067,132	0
Less than 12 months, Unrealized losses	(540,491)	0
Twelve months or longer, Fair value	0	0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	6,067,132	0
Total Unrealized losses	(540,491)	0
Less than 12 months Number of Securities	25	0
Twelve months or longer Number of Securities	0	0
Total Number of Securities	25	0
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	162,960,493	134,168,678
Gross Unrealized Gains	8,624,486	3,483,229
Gross Unrealized Losses	(1,659,193)	(3,229,082)
Estimated Market Value	169,925,786	134,422,825
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	28,954,477	49,430,637
Less than 12 months, Unrealized losses	(416,560)	(1,481,562)
Twelve months or longer, Fair value	3,535,206	7,318,832
Twelve months or longer, Unrealized losses	(1,242,633)	(1,747,520)
Total Fair value	32,489,683	56,749,469
Total Unrealized losses	(1,659,193)	(3,229,082)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,137,702	2,152,892
Gross Unrealized Gains	13,739	95,763
Gross Unrealized Losses	(202,930)	(239,620)
Estimated Market Value	948,511	2,009,035
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0	747,700
Less than 12 months, Unrealized losses	0	(239,620)
Twelve months or longer, Fair value	784,390	0
Twelve months or longer, Unrealized losses	(202,930)	0
Total Fair value	784,390	747,700
Total Unrealized losses	$ (202,930)	$ (239,620)