COST OF INSURANCE ACQUIRED (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Cost of insurance acquired [Roll Forward]
Interest rate used in amortization calculation	12.00%
Cost of insurance acquired, beginning of year	$ 9,047,984	$ 10,636,412
California cost of insurance acquired	0	(602,778)
Interest accretion	1,180,703	1,298,980
Amortization	(2,088,308)	(2,284,630)
Net amortization	(907,605)	(985,650)
Cost of insurance acquired, end of year	8,140,379	$ 9,047,984
Estimated net amortization expense of cost of insurance acquired for the next five years [Abstract]
2013 - Estimated interest accretion	1,072,000
2013 - Estimated amortization	1,945,000
2013 - Estimated net amortization	873,000
2014 - Estimated interest accretion	967,000
2014 - Estimated amortization	1,806,000
2014 - Estimated net amortization	839,000
2015 - Estimated interest accretion	866,000
2015 - Estimated amortization	1,672,000
2015 - Estimated net amortization	806,000
2016 - Estimated interest accretion	770,000
2016 - Estimated amortization	1,546,000
2016 - Estimated net amortization	776,000
2017 - Estimated interest accretion	677,000
2017 - Estimated amortization	1,421,000
2017 - Estimated net amortization	$ 744,000