Deferred Policy Acquisition Costs (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Deferred Policy Acquisition Costs Disclosures [Abstract]
Balance, beginning of year	$ 4,158,522	$ 4,300,927	$ 4,955,636
Acquisition costs deferred	6,371,345	6,938,363	6,627,837
Amortization	(6,744,273)	(7,080,768)	(7,282,546)
Balance, end of year	$ 3,785,594	$ 4,158,522	$ 4,300,927