CONDENSED CONSOLIDATED STATEMENTS OF INCOME (LOSS) (UNAUDITED) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
REVENUES
Net premiums earned	$ 13,191	$ 12,904	$ 39,163	$ 38,933
Net investment income	1,046	1,140	2,858	3,341
Net realized investment gains	3,297	1,703	4,354	2,774
Other income	163	258	480	648
Total Revenues	17,697	16,005	46,855	45,696
EXPENSES
Policyholder benefits and settlement expenses	7,112	11,564	24,923	27,385
Amortization of deferred policy acquisition costs	894	1,056	2,759	2,787
Commissions	1,800	1,949	5,268	5,923
General and administrative expenses	2,156	1,954	6,199	6,277
Litigation settlement and defense costs	0	76	0	13,335
Taxes, licenses and fees	438	452	1,398	1,382
Interest expense	434	311	1,311	891
Total expenses	12,834	17,362	41,858	57,980
Income (Loss) Before Income Taxes	4,863	(1,357)	4,997	(12,284)
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current	332	410	552	583
Deferred	1,192	(1,140)	550	(5,465)
Total income tax expense (benefit)	1,524	(730)	1,102	(4,882)
Net income (loss)	$ 3,339	$ (627)	$ 3,895	$ (7,402)
INCOME (LOSS) PER COMMON SHARE	$ 1.35	$ (0.25)	$ 1.57	$ (3.00)
DIVIDENDS DECLARED PER SHARE	$ 0.025	$ 0.10	$ 0.075	$ 0.30