Segments (Tables)

6 Months Ended

Jun. 30, 2012

Segment Reporting, Disclosure of Entity's Reportable Segments [Abstract]

Schedule of Segment Reporting Information, by Segment

Premium revenues and operating income by industry segment for the three and six-month periods ended June 30, 2012, and 2011 (unaudited) are summarized below (dollars in thousands):

Three-Month Period Ended June 30, 2012	Total			P&C Insurance Operations		Life Insurance Operations		Non-Insurance Operations
REVENUE
Net premiums earned	$	12,533		$	10,814	$	1,719	$	—
Net investment income	1,066			529		520		17
Net realized investment gains	865			75		790		—
Other income	193			192		1		—
	14,657			11,610		3,030		17
BENEFITS AND EXPENSES
Policyholder benefits paid	7,976			6,763		1,213		—
Policy acquisition costs	2,933			2,594		339		—
General and administrative expenses	1,835			1,111		644		80
Litigation settlement and defense costs	12,670			—		—		12,670
Taxes, licenses and fees	438			385		53		—
Interest expense	288			—		35		253
	26,140			10,853		2,284		13,003
Income (Loss) Before Income Taxes	$	(11,483	)	$	757	$	746	$	(12,986	)

Three-Month Period Ended June 30, 2011	Total			P&C Insurance Operations			Life Insurance Operations			Non-Insurance Operations
REVENUE
Net premiums earned	$	13,321		$	11,544		$	1,777		$	—
Net investment income	1,171			606			461			104
Net realized investment gains	261			257			4			—
Other income	256			254			2			—
	15,009			12,661			2,244			104
BENEFITS AND EXPENSES
Policyholder benefits paid	15,682			14,386			1,296			—
Policy acquisition costs	3,071			2,751			320			—
General and administrative expenses	2,418			1,601			594			223
Litigation settlement and defense costs	482			—			—			482
Taxes, licenses and fees	622			516			106			—
Interest expense	285			—			16			269
	22,560			19,254			2,332			974
Loss Before Income Taxes	$	(7,551	)	$	(6,593	)	$	(88	)	$	(870	)

Six-Month Period Ended June 30, 2012	Total			P&C Insurance Operations		Life Insurance Operations		Non-Insurance Operations
REVENUE
Net premiums earned	$	26,029		$	22,558	$	3,471	$	—
Net investment income	2,201			1,140		1,028		33
Net realized investment gains	1,071			207		862		2
Other income	390			388		2		—
	29,691			24,293		5,363		35
BENEFITS AND EXPENSES
Policyholder benefits paid	15,821			13,176		2,645		—
Policy acquisition costs	5,705			5,138		567		—
General and administrative expenses	4,323			2,940		1,092		291
Litigation settlement and defense costs	13,259			—		—		13,259
Taxes, licenses and fees	930			815		115		—
Interest expense	580			—		37		543
	40,618			22,069		4,456		14,093
Income (Loss) Before Income Taxes	$	(10,927	)	$	2,224	$	907	$	(14,058	)

Six-Month Period Ended June 30, 2011	Total			P&C Insurance Operations			Life Insurance Operations		Non-Insurance Operations
REVENUE
Net premiums earned	$	28,191		$	24,545		$	3,646	$	—
Net investment income	2,228			1,233			958		37
Net realized investment gains	1,031			643			358		30
Other income	511			509			2		—
	31,961			26,930			4,964		67
BENEFITS AND EXPENSES
Policyholder benefits paid	25,004			22,197			2,807		—
Policy acquisition costs	5,995			5,491			504		—
General and administrative expenses	4,589			3,052			1,174		363
Litigation settlement and defense costs	789			—			—		789
Taxes, licenses and fees	1,102			876			226		—
Interest expense	570			—			31		539
	38,049			31,616			4,742		1,691
Income (Loss) Before Income Taxes	$	(6,088	)	$	(4,686	)	$	222	$	(1,624	)

Schedule of Gross and Net Premiums Written

The following table presents the Company’s gross and net premiums written for the property and casualty segment and the life and accident and health segment for the three and six-month periods ended June 30, 2012 and 2011, respectively:

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2012			2011			2012		2011
Life, accident and health operations premiums written:
Traditional life insurance	$	1,248		$	1,226		2,458		$	2,531
Accident and health insurance	455			474			919		958
Total life, accident and health	1,703			1,700			3,377		3,489
Property and Casualty operations premiums written:
Dwelling fire & extended coverage	7,825			7,271			14,752		13,968
Homeowners (Including mobile homeowners)	6,745			7,439			12,232		13,446
Ocean marine	363			397			447		516
Other liability	409			377			766		711
Private passenger auto liability	(12		)	393			57		1,247
Commercial auto liability	—			92			6		211
Auto physical damage	(5		)	175			31		511
Total property and casualty	15,325			16,144			28,291		30,610
Gross premiums written	17,028			17,844			31,668		34,099
Reinsurance premium ceded	(2,443		)	(3,039		)	(4,126	)	(4,568		)
Net premiums written	$	14,585		$	14,805		27,542		$	29,531

Schedule of Gross and Net Premiums Earned

The following table presents the Company’s gross and net premiums earned for the property and casualty segment and the life and accident and health segment for the three and six-month periods ended June 30, 2012 and 2011, respectively:

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2012			2011			2012			2011
Life, accident and health operations premiums earned:
Traditional life insurance	$	1,270		$	1,302		$	2,558		$	2,688
Accident and health insurance	449			475			913			958
Total life, accident and health	1,719			1,777			3,471			3,646
Property and Casualty operations premiums earned:
Dwelling fire & extended coverage	6,665			6,666			13,212			13,165
Homeowners (Including mobile homeowners)	5,790			6,227			11,694			12,471
Ocean marine	275			300			543			619
Other liability	343			321			683			631
Private passenger auto liability	93			685			328			1,441
Commercial auto liability	—			92			6			211
Auto physical damage	44			274			151			571
Total property and casualty	13,210			14,565			26,617			29,109
Gross premiums earned	14,929			16,342			30,088			32,755
Reinsurance premium ceded	(2,396		)	(3,021		)	(4,059		)	(4,564		)
Net premiums earned	$	12,533		$	13,321		$	26,029		$	28,191