Condensed Consolidated Statements of Income (Loss) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
REVENUES
Net premiums earned	$ 12,934	$ 13,496
Net investment income	1,084	1,135
Net realized investment gains	27	206
Other income	172	197
Total Revenues	14,217	15,034
EXPENSES
Policyholder benefits and settlement expenses	9,551	7,845
Amortization of deferred policy acquisition costs	942	816
Commissions	1,982	1,956
General and administrative expenses	1,842	2,488
Litigation settlement and defense costs	0	589
Taxes, licenses and fees	486	492
Interest expense	442	292
Total expenses	15,245	14,478
Income (Loss) Before Income Taxes	(1,028)	556
INCOME TAX (BENEFIT) EXPENSE
Current	132	28
Deferred	(751)	(3)
Total income tax (benefit) expense	(619)	25
Net income (loss)	$ (409)	$ 531
LOSS PER COMMON SHARE	$ (0.17)	$ 0.22
DIVIDENDS DECLARED PER SHARE	$ 0.025	$ 0.10