CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
REVENUES
Net premiums earned	$ 61,163	$ 61,398
Net investment income	3,647	3,892
Net realized investment gains	234	998
Other income	596	605
Total Revenues	65,640	66,893
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	42,869	38,847
Amortization of deferred policy acquisition costs	3,589	3,506
Commissions	7,723	7,894
General and administrative expenses	8,821	8,996
Taxes, licenses and fees	2,445	2,204
Interest expense	1,307	1,352
Total Benefits, Losses and Expenses	66,754	62,799
Income (Loss) Before Income Taxes	(1,114)	4,094
INCOME TAX EXPENSE (BENEFIT)
Current	(206)	(142)
Deferred	295	1,173
Total income tax expense	89	1,031
Net Income (Loss)	$ (1,203)	$ 3,063
INCOME (LOSS) PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ (0.48)	$ 1.22
DIVIDENDS DECLARED PER SHARE (in dollars per share)	$ 0.20	$ 0.180