Recently Issued Accounting Standards (Details Narrative) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2011
Notes to Financial Statements
Decrease In deferred policy acquisition costs from adoption of new accounting standard	$ 300,000		$ 300,000
Deferred policy acquistion costs	3,928,234		3,928,234		4,158,522
Deferred policy acquistion cost without adoption of new accounting standard	4,225,021		4,225,021
Deferred policy acquisition costs amortization	$ 1,659,945	$ 1,778,105	$ 5,128,473	$ 5,322,970