Allowance for Doubful Account (Narrative) (USD $)	12 Months Ended
Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Notes to Financial Statements
Agent balance receivable	$ 1,256,272	$ 1,394,022
Agent balance bad debt reserve	931,272	994,022
Agent balance bad debt reserve allowance percentage	74.00%	71.00%
Agent balance collected	137,750	101,204
Bad debt expense (benefit)	(50,792)	(98,798)	11,465
Stipulated judgement from one principal of agent	$ 1,200,000

The amount of decrease during the period to the valuation allowance account representing portions of such account associated with premium receivables that have been determined to be absolutely uncollectible or that were sold or transferred, and which receivables were simultaneously written off.

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 114

-Paragraph 20

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 235

-SubTopic 10

-Section S99

-Paragraph 4

-Subparagraph (SX 210.12-09)

-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e24092-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 09

-Article 12

Name:	us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	duration