Consolidated Statements of Income (Loss) (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
REVENUES
Net premiums earned	$ 51,815	$ 56,243
Net investment income	4,227	4,261
Net realized investment gains	2,790	669
Other income	720	919
Total Revenues	59,552	62,092
EXPENSES
Policyholder benefits and settlement expenses	34,105	44,025
Amortization of deferred policy acquisition costs	3,711	4,020
Commissions	7,556	8,148
General and administrative expenses	8,790	8,834
Litigation settlement and defense costs	13,328	1,626
Taxes, licenses and fees	1,846	1,885
Interest expense	1,280	1,153
Total expenses	70,616	69,691
Loss Before Income Taxes	(11,064)	(7,599)
INCOME TAX (BENEFIT) EXPENSE
Current	527	(1,480)
Deferred	(4,920)	(1,163)
Total income tax (benefit) expense	(4,393)	(2,643)
Net Loss	$ (6,671)	$ (4,956)
LOSS PER COMMON SHARE	$ (2.70)	$ (2.01)
DIVIDENDS DECLARED PER SHARE	$ 0.325	$ 0.55