Condensed Consolidated Statements of Income (Unaudited) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
REVENUES
Net premiums earned	$ 12,904,000	$ 14,340,000	$ 38,933,000	$ 42,531,000
Net investment income	1,140,000	936,000	3,341,000	3,164,000
Net realized investment gains	1,703,000	(203,000)	2,774,000	828,000
Other income	258,000	217,000	648,000	728,000
Total Revenues	16,005,000	15,290,000	45,696,000	47,251,000
EXPENSES
Policyholder benefits paid	11,564,000	10,045,000	27,385,000	35,049,000
Policy acquisition costs	3,005,000	2,899,000	8,710,000	8,894,000
General expenses	1,954,000	2,205,000	6,277,000	6,794,000
Litigation settlement and defense costs	76,000	388,000	13,335,000	1,177,000
Taxes, licenses and fees	452,000	394,000	1,382,000	1,496,000
Interest expense	311,000	293,000	891,000	863,000
Total expenses	17,362,000	16,224,000	57,980,000	54,273,000
Income Before Income Taxes	(1,357,000)	(934,000)	(12,284,000)	(7,022,000)
INCOME TAX (BENEFIT) EXPENSE
Current	410,000	426,000	583,000	(1,739,000)
Deferred	(1,140,000)	(710,000)	(5,465,000)	(683,000)
Total income tax (benefit) expense	(730,000)	(284,000)	(4,882,000)	(2,422,000)
Net Loss	$ (627,000)	$ (650,000)	$ (7,402,000)	$ (4,600,000)
EARNINGS PER COMMON SHARE	$ (0.25)	$ (0.26)	$ (3.00)	$ (1.86)
DIVIDENDS DECLARED PER SHARE	$ 0.10	$ 0.15	$ 0.30	$ 0.45