CONSOLIDATED STATEMENTS OF INCOME (LOSS) (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
REVENUES
Net premiums earned	$ 52,366	$ 51,815
Net investment income	3,746	4,191
Net realized investment gains	4,439	2,790
Other income	609	720
Total Revenues	61,160	59,516
EXPENSES
Policyholder benefits and settlement expenses	31,146	34,105
Amortization of deferred policy acquisition costs	3,613	3,711
Commissions	7,103	7,556
General and administrative expenses	8,443	8,754
Litigation settlement and defense costs	0	13,328
Taxes, licenses and fees	1,846	1,846
Interest expense	1,686	1,280
Total expenses	53,837	70,580
Income (Loss) Before Income Taxes	7,323	(11,064)
Income Tax Expense (Benefit), Continuing Operations [Abstract]
Current	92	527
Deferred	1,573	(4,920)
Total income tax expense (benefit)	1,665	(4,393)
Net income (loss)	$ 5,658	$ (6,671)
INCOME (LOSS) PER COMMON SHARE	$ 2.28	$ (2.70)
DIVIDENDS DECLARED PER SHARE	$ 0.10	$ 0.325