16) Fair Value of Financial Instruments: Schedule of Changes in the consolidated balance sheet line items measured using level 3 inputs (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Policyholder Account Balances
Fair Value Balance	$ (50,926,020)	$ (52,340,807)
Fair Value, Losses (Gains) included in earnings	1,179,683	1,414,787
Fair Value Balance	(49,746,337)	(50,926,020)
Future Policy Benefits - Annuities
Fair Value Balance	(65,281,586)	(65,936,445)
Fair Value, Losses (Gains) included in earnings	109,899	654,859
Fair Value Balance	(65,171,687)	(65,281,586)
Interest Rate Lock Commitments
Fair Value Balance	1,694,541	873,059
Fair Value, Losses (Gains) included in other comprehensive income	1,266,924	821,482
Fair Value Balance	2,961,465	1,694,541
Bank Loan Interest Rate Swaps
Fair Value Balance	(117,812)	(116,533)
Fair Value, Losses (Gains) included in other comprehensive income	24,240	(1,279)
Fair Value Balance	$ (93,572)	$ (117,812)