Reinsurance (Tables)

3 Months Ended

Mar. 31, 2013

Reinsurance Disclosures [Abstract]

Schedule of Reinsurance

Reinsurance coverage is maintained in four layers as follows:

Layer	Reinsurers' Limits of Liability
First Layer	100% of $6,000,000 in excess of $4,000,000
Second Layer	100% 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 life segment is as follows (dollars in thousands):

	Three months ended March 31, 2013						Three months ended March 31, 2012
	Written			Earned			Written			Earned
Direct	$	1,662		$	1,765		$	1,694		$	1,772
Assumed	—			—			—			—
Ceded	(19		)	(19		)	(20		)	(20		)
Net	$	1,643		$	1,746		$	1,674		$	1,752

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

	Three months ended March 31, 2013						Three months ended March 31, 2012
	Written			Earned			Written			Earned
Direct	$	13,480		$	13,328		$	12,966		$	13,407
Assumed	—			—			—			—
Ceded	(2,132		)	(2,140		)	(1,655		)	(1,663		)
Net	$	11,348		$	11,188		$	11,311		$	11,744