CONDENSED CONSOLIDATED STATEMENTS OF INCOME (LOSS) (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
REVENUES
Net premiums earned	$ 13,038	$ 12,533	$ 25,972	$ 26,029
Net investment income	728	1,066	1,812	2,201
Net realized investment gains	1,030	865	1,057	1,071
Other income	145	193	317	390
Total Revenues	14,941	14,657	29,158	29,691
EXPENSES
Policyholder benefits and settlement expenses	8,260	7,976	17,811	15,821
Amortization of deferred policy acquisition costs	923	915	1,865	1,731
Commissions	1,486	2,018	3,468	3,974
General and administrative expenses	2,201	1,835	4,043	4,323
Litigation settlement and defense costs	0	12,670	0	13,259
Taxes, licenses and fees	474	438	960	930
Interest expense	435	288	877	580
Total expenses	13,779	26,140	29,024	40,618
Income (Loss) Before Income Taxes	1,162	(11,483)	134	(10,927)
INCOME TAX EXPENSE (BENEFIT)
Current	88	145	220	173
Deferred	109	(4,322)	(642)	(4,325)
Total income tax expense (benefit)	197	(4,177)	(422)	(4,152)
Net income (loss)	$ 965	$ (7,306)	$ 556	$ (6,775)
INCOME (LOSS) PER COMMON SHARE	$ 0.39	$ (2.96)	$ 0.23	$ (2.75)
DIVIDENDS DECLARED PER SHARE	$ 0.025	$ 0.10	$ 0.05	$ 0.20