Consolidated Statements of Income (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
REVENUES
Net premiums earned	$ 56,243	$ 61,263
Net investment income	4,261	5,089
Net realized investment gains	669	1,879
Other income	919	1,161
Total Revenues	62,092	69,392
EXPENSES
Policyholder benefits paid	44,025	39,031
Amortization of deferred policy acquisition costs	4,020	3,944
Commissions	8,148	7,871
General and administrative expenses	10,460	10,672
Taxes, licenses and fees	1,885	2,081
Interest expense	1,153	1,156
Total Expenses	69,691	64,755
(Loss) Income Before Income Taxes	(7,599)	4,637
INCOME TAX (BENEFIT) EXPENSE
Current	(1,480)	666
Deferred	(1,163)	706
Total income tax (benefit) expense	(2,643)	1,372
Net (Loss) Income	$ (4,956)	$ 3,265
(LOSS) EARNINGS PER COMMON SHARE	$ (2.01)	$ 1.32
DIVIDENDS DECLARED PER SHARE	$ 0.55	$ 0.60