Reinsurance (Tables)

9 Months Ended

Sep. 30, 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 September 30, 2013						Three months ended September 30, 2012
	Written			Earned			Written			Earned
Direct	$	1,788		$	1,767		$	1,719		$	1,684
Assumed	—			—			—			—
Ceded	(22		)	(22		)	(23		)	(23		)
Net	$	1,766		$	1,745		$	1,696		$	1,661
	Nine months ended September 30, 2013						Nine months ended September 30, 2012
	Written			Earned			Written			Earned
Direct	$	5,071		$	5,205		$	5,131		$	5,190
Assumed	—			—			—			—
Ceded	(52		)	(52		)	(58		)	(58		)
Net	$	5,019		$	5,153		$	5,073		$	5,132

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

	Three months ended September 30, 2013						Three months ended September 30, 2012
	Written			Earned			Written			Earned
Direct	$	14,304		$	13,528		$	13,890		$	13,311
Assumed	—			—			—			—
Ceded	(2,081		)	(2,082		)	(2,064		)	(2,068		)
Net	$	12,223		$	11,446		$	11,826		$	11,243
	Nine months ended September 30, 2013						Nine months ended September 30, 2012
	Written			Earned			Written			Earned
Direct	$	43,403		$	40,423		$	42,181		$	39,928
Assumed	—			—			—			—
Ceded	(6,401		)	(6,413		)	(6,135		)	(6,127		)
Net	$	37,002		$	34,010		$	36,046		$	33,801