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Reinsurance (Tables)
 12 Months Ended
Dec. 31, 2012
Reinsurance Disclosures [Abstract]  
Schedule of Reinsurance
Reinsurance coverage is maintained in four layers as follows:

Layer
Reinsurers' Limits of Liability
First Layer
95% of $6,000,000 in excess of $4,000,000
Second Layer
95% of $7,500,000 in excess of $10,000,000
Third Layer
100% of $25,000,000 in excess of $17,500,000
Fourth Layer
100% of $30,000,000 in excess of $42,500,000
Schedule Of Reinsurance Premiums For Insurance Companies
The effect of reinsurance on premiums written and earned in the property and casualty segment is as follows (dollars in thousands):
 
2012
 
2011
 
Written
 
Earned
 
Written
 
Earned
 
 
 
 
 
 
 
 
Direct
$
53,544

 
$
53,469

 
$
55,775

 
$
56,978

Assumed
—

 
—

 
—

 
—

Ceded
(8,263
)
 
(8,263
)
 
(7,598
)
 
(7,605
)
Net
$
45,281

 
$
45,206

 
$
48,177

 
$
49,373

The effect of reinsurance on premiums written and earned in the life segment is as follows (dollars in thousands):

 
2012
 
2011
 
Written
 
Earned
 
Written
 
Earned
 
 
 
 
 
 
 
 
Direct
$
6,806

 
$
6,682

 
$
6,949

 
$
6,926

Assumed
—

 
—

 
—

 
—

Ceded
(73
)
 
(73
)
 
(56
)
 
(56
)
Net
$
6,733

 
$
6,609

 
$
6,893

 
$
6,870