Condensed Consolidated Statement of Cash Flows (Unaudited) (USD $)	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Cash Flows from Operating Activities
Net loss	$ (7,402,000)	$ (4,600,000)
Adjustments to reconcile net loss to net cash (used in) provided by operating activities:
Change in receivable for securities sold	(516,000)	0
Change in accrued investment income	(112,000)	70,000
Change in reinsurance recoverable	1,026,000	(900,000)
Change in deferred policy acquisition costs	(49,000)	123,000
Change in accrued income tax receivable	2,021,000	(2,178,000)
Change in deferred income taxes	(5,465,000)	(683,000)
Depreciation expense	465,000	274,000
Change in policy liabilities and claims	78,000	1,958,000
Other, net	(3,865,000)	(1,302,000)
Net cash provided (used) by operating activities	(13,819,000)	(7,238,000)
Cash Flows from Investing Activities
Cost of investments acquired	(25,604,000)	(15,235,000)
Sale and maturity of investments	29,458,000	25,626,000
Purchase of property and equipment	9,000	(43,000)
Net cash provided by investing activities	3,863,000	10,348,000
Cash Flows from Financing Activities
Change in other policyholder funds	28,000	45,000
Change in short-term notes payable	(360,000)	(15,000)
Change in long-term debt	12,534,000	0
Dividends paid	(740,000)	(1,110,000)
Net cash used in financing activities	11,462,000	(1,080,000)
Net change in cash and cash equivalents	1,506,000	2,030,000
Cash and cash equivalents, beginning of period	3,393,000	1,572,000
Cash and cash equivalents, end of period	$ 4,899,000	$ 3,602,000