Consolidated Statement of Cash Flows (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Net loss	$ (6,671)	$ (4,956)
Adjustments to reconcile net loss to net cash used in operating activities:
Depreciation expense and amortization/accretion, net	657	322
Increase in cash surrender value of company owned life insurance	(271)	(140)
Net realized gains on investments	(2,790)	(669)
Deferred income taxes	(4,920)	(1,163)
Amortization of deferred policy acquisition costs	3,711	4,020
Change in accrued investment income	(82)	117
Change in reinsurance recoverable	1,237	(1,079)
Policy acquisition costs deferred	(3,250)	(3,389)
Change in accrued income taxes/receivable	1,965	(1,796)
Change in policy liabilities and claims	(1,838)	1,712
Changes in other assets/liabilities, net	(1,462)	253
Other, net	8	16
Net cash used by operating activities	(13,706)	(6,752)
Cash Flows from Investing Activities:
Available-for-sale securities	(29,166)	(19,344)
Trading securities and short-term investments	(40)	(234)
Real estate held for investment	(32)	(204)
Property and equipment	(303)	(473)
Held-to-maturity securities	1,826	1,664
Available-for-sale securities	31,676	27,755
Trading securities and short-term investments	83	819
Real estate held for investment	87	14
Property and equipment	9	19
Other invested assets, net	(29)	(128)
Net cash provided by investing activities	4,111	9,888
Cash Flows from Financing Activities:
Change in other policyholder funds	9	57
Increase in long-term debt	14,134	0
Change in short-term notes payable	(360)	(15)
Dividends paid	(802)	(1,357)
Net cash provided by (used in) financing activities	12,981	(1,315)
Net change in cash and cash equivalents	3,386	1,821
Cash and cash equivalents, beginning of year	3,393	1,572
Cash and cash equivalents, end of year	$ 6,779	$ 3,393