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Reinsurance (Tables)
12 Months Ended
Dec. 31, 2013
Reinsurance Disclosures [Abstract]  
Schedule of Reinsurance
einsurance 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):
 
Year ended December 31, 2013
 
Year ended December 31, 2012
 
Written
 
Earned
 
Written
 
Earned
 
 
 
 
 
 
 
 
Direct
$
6,677

 
$
6,657

 
$
6,806

 
$
6,682

Assumed

 

 

 

Ceded
(66
)
 
(66
)
 
(73
)
 
(73
)
Net
$
6,611

 
$
6,591

 
$
6,733

 
$
6,609

The effect of reinsurance on premiums written and earned in the property and casualty segment is as follows (dollars in thousands):
 
Year ended December 31, 2013
 
Year ended December 31, 2012
 
Written
 
Earned
 
Written
 
Earned
 
 
 
 
 
 
 
 
Direct
$
55,659

 
$
54,249

 
$
53,544

 
$
53,469

Assumed

 

 

 

Ceded
(8,462
)
 
(8,474
)
 
(8,263
)
 
(8,263
)
Net
$
47,197

 
$
45,775

 
$
45,281

 
$
45,206