Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Securities available for sale, at fair value:
Fixed maturities (amortized cost; 2018, $187,035; 2017, $183,432)	$ 184,475	$ 188,452
Equity securities	6,004	6,209
Policy loans	9,581	9,852
Derivative instruments, at fair value	202	395
Total investments	200,262	204,908
Cash and cash equivalents	33,252	4,085
Real estate, property and equipment, net	2,130	2,151
Accrued investment income	1,908	1,886
Accounts receivable	498	538
Reinsurance recoverables	3,556	3,727
Prepaid reinsurance premiums	1,418	1,358
Deferred policy acquisition costs, net	13,533	12,179
Deferred sales inducement costs, net	1,348	867
Deferred tax asset, net	492	458
Other assets	511	202
Separate account asset	20,819	24,779
Total assets	279,727	257,138
Policy liabilities and accruals
Policyholder account balance	116,298	109,823
Future life policy benefits	71,992	71,927
Future accident and health policy benefits	345	386
Reserve for deposit type contracts	10,587	10,850
Other policyholder funds	1,398	1,970
Unearned revenue	1,367	1,387
Deferred reinsurance settlements	2,641	2,949
Taxes payable		7
Other liabilities	1,360	1,703
Separate account liability	20,819	24,779
Total liabilities	226,807	225,781
Stockholders' Equity
Common stock, par value $.01 per share, 4,010,150 shares authorized; issued and outstanding: 2018 - 3,530,150 shares 2017 - 0 shares	35
Additional paid-in capital	33,076
Accumulated other comprehensive income (loss)	(1,965)	4,757
Retained earnings	21,774	26,600
Total equity	52,920	31,357
Total Liabilities and Equity	$ 279,727	$ 257,138