CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
REVENUES
Net premiums earned	$ 60,856	$ 61,163
Net investment income	3,567	3,647
Net investment gains (losses)	(178)	234
Other income	612	596
Total Revenues	64,857	65,640
BENEFITS, LOSSES AND EXPENSES
Policyholder benefits and settlement expenses	40,409	42,869
Amortization of deferred policy acquisition costs	3,597	3,589
Commissions	7,555	7,723
General and administrative expenses	8,839	8,821
Taxes, licenses and fees	2,157	2,445
Interest expense	1,235	1,307
Total Benefits, Losses and Expenses	63,792	66,754
Income (Loss) Before Income Taxes	1,065	(1,114)
INCOME TAX EXPENSE (BENEFIT)
Current	(1,045)	(206)
Deferred	1,331	295
Total income tax expense	286	89
Net Income (Loss)	$ 779	$ (1,203)
INCOME (LOSS) PER COMMON SHARE BASIC AND DILUTED (in dollars per share)	$ 0.31	$ (0.48)
DIVIDENDS DECLARED PER SHARE (in dollars per share)	$ 0.20	$ 0.20