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REGULATORY REQUIREMENTS AND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2013
REGULATORY REQUIREMENTS AND RESTRICTIONS [Abstract]  
Schedule of range and test results as per IRIS Ratios
The table below reflects the range and test results for FNIC for the years ended December 31, 2013 and 2012, respectively.

IRIS Ratios
 
Unusual Values Equal to Or
  
2013
  
2012
 
 
 
Over
  
Under
  
FNIC
  
FNIC
 
 
 
  
  
  
 
Gross Premiums to Policyholders' Surplus
  
900
   
-
   
325
   
233
 
Net Premium to Policyholders' Surplus
  
300
   
-
   
217
   
135
 
Change in Net Writings
  
33
   
(33
)
  
137
*
  
32
 
Surplus Aid to Policyholders' Surplus
  
15
   
-
   
0
   
1
 
Two-year Overall Operating Ratio
  
100
   
-
   
84
   
92
 
Investment Yield
  
6.5
   
3.0
   
1.4
*
  
2.4
*
Gross Change in Policyholders' Surplus
  
50
   
(10
)
  
48
   
32
 
Net Change in Adjusted Policyholders' Surplus
  
25
   
(10
)
  
17
   
32
*
Liabilities to Liquid Assets
  
105
   
-
   
79
   
69
 
Gross Agents' Balance to Policyholders' Surplus
  
40
   
-
   
13
   
3
 
One-Year Reserve Development to Policyholders' Surplus
  
20
   
-
   
(4
)
  
(3
)
Two-Year Reserve Development to Policyholders' Surplus
  
20
   
-
   
(7
)
  
(2
)
Estimated Current Reserve Deficiency to Policyholders' Surplus
  
25
   
-
   
56
*
  
50
*
 
                
* indicates an unusual value