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Statement of Cash Flows (USD $)
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Dec. 31, 2012
Cash flows from operating activities:      
Net earnings $ 7,754,648us-gaap_NetIncomeLoss $ 7,585,921us-gaap_NetIncomeLoss $ 16,712,518us-gaap_NetIncomeLoss
Realized gains on investments and other assets (1,918,176)us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments (1,418,051)us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments (1,424,510)us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments
Other than temporary impairments 164,240us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet 336,226us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet 1,207,632us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsPortionRecognizedInEarningsNet
Depreciation and amortization 4,389,472us-gaap_DepreciationAndAmortization 4,160,760us-gaap_DepreciationAndAmortization 2,877,743us-gaap_DepreciationAndAmortization
Provision for losses on real estate accounts and loans receivable 743,386us-gaap_ProvisionForDoubtfulAccounts (584,873)us-gaap_ProvisionForDoubtfulAccounts (963,169)us-gaap_ProvisionForDoubtfulAccounts
Amortization of premiums and discounts 238,687us-gaap_AmortizationOfDebtDiscountPremium 103,032us-gaap_AmortizationOfDebtDiscountPremium (762,301)us-gaap_AmortizationOfDebtDiscountPremium
Provision for deferred and other income taxes 3,072,642us-gaap_DeferredIncomeTaxExpenseBenefit 416,269us-gaap_DeferredIncomeTaxExpenseBenefit 953,394us-gaap_DeferredIncomeTaxExpenseBenefit
Policy and pre-need acquisition costs deferred (10,159,895)us-gaap_IncreaseDecreaseInDeferredCharges (9,666,040)us-gaap_IncreaseDecreaseInDeferredCharges (7,885,882)us-gaap_IncreaseDecreaseInDeferredCharges
Policy and pre-need acquisition costs amortized 5,590,332us-gaap_OtherAmortizationOfDeferredCharges 3,841,565us-gaap_OtherAmortizationOfDeferredCharges 4,234,271us-gaap_OtherAmortizationOfDeferredCharges
Value of business acquired amortized 1,302,646us-gaap_AmortizationOfAcquisitionCosts 1,340,272us-gaap_AmortizationOfAcquisitionCosts 1,215,158us-gaap_AmortizationOfAcquisitionCosts
Servicing asset at amortized cost, additions (3,741,381)us-gaap_ServicingAssetAtAmortizedValueAdditions (2,494,254)us-gaap_ServicingAssetAtAmortizedValueAdditions (2,797,470)us-gaap_ServicingAssetAtAmortizedValueAdditions
Amortization of mortgage servicing rights 750,735fil_AmortizationOfMortgageServicingRight 447,623fil_AmortizationOfMortgageServicingRight  
Stock based compensation expense 391,220us-gaap_ShareBasedCompensation 88,369us-gaap_ShareBasedCompensation 251,031us-gaap_ShareBasedCompensation
Benefit plans funded with treasury stock 899,850us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities 727,937us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities 319,751us-gaap_IncreaseDecreaseInEmployeeRelatedLiabilities
Land and improvements held for sale (216,512)us-gaap_IncreaseDecreaseInAssetsHeldForSale (36,345)us-gaap_IncreaseDecreaseInAssetsHeldForSale 26,054us-gaap_IncreaseDecreaseInAssetsHeldForSale
Future life and other benefits 14,084,894fil_FutureLifeAndOtherBenefits 19,182,046fil_FutureLifeAndOtherBenefits 20,508,725fil_FutureLifeAndOtherBenefits
Receivables for mortgage loans sold 7,362,353us-gaap_IncreaseDecreaseInMortgageLoansHeldForSale 15,668,188us-gaap_IncreaseDecreaseInMortgageLoansHeldForSale (18,807,956)us-gaap_IncreaseDecreaseInMortgageLoansHeldForSale
Other operating assets and liabilities 306,668us-gaap_IncreaseDecreaseInOtherCurrentAssetsAndLiabilitiesNet (3,046,791)us-gaap_IncreaseDecreaseInOtherCurrentAssetsAndLiabilitiesNet 6,751,217us-gaap_IncreaseDecreaseInOtherCurrentAssetsAndLiabilitiesNet
Net cash provided by operating activities 31,015,809us-gaap_NetCashProvidedByUsedInOperatingActivities 36,651,854us-gaap_NetCashProvidedByUsedInOperatingActivities 22,416,206us-gaap_NetCashProvidedByUsedInOperatingActivities
Cash flows from investing activities:      
Purchase - fixed maturity securities (3,449,187)us-gaap_PaymentsToAcquireHeldToMaturitySecurities (22,849,622)us-gaap_PaymentsToAcquireHeldToMaturitySecurities (11,365,269)us-gaap_PaymentsToAcquireHeldToMaturitySecurities
Calls and maturities - fixed maturity securities 11,850,864us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities 8,518,848us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities 9,601,320us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
Purchase - equity securities (5,996,993)us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity (2,807,367)us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity (1,685,983)us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity
Sales - equity securities 3,851,664us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity 4,528,862us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity 3,028,509us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity
Purchases of short-term investments (18,587,022)us-gaap_PaymentsToAcquireShortTermInvestments (19,827,619)us-gaap_PaymentsToAcquireShortTermInvestments (51,823,941)us-gaap_PaymentsToAcquireShortTermInvestments
Sales of short-term investments 3,663,246us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments 48,617,290us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments 17,830,574us-gaap_ProceedsFromSaleAndMaturityOfOtherInvestments
Sales (purchases) of restricted assets (2,628,764)us-gaap_PaymentsToAcquireRestrictedInvestments 2,777,715us-gaap_PaymentsToAcquireRestrictedInvestments (4,436,547)us-gaap_PaymentsToAcquireRestrictedInvestments
Change in assets for perpetual care trusts (230,921)fil_PaymentsToPerpetualCare (255,204)fil_PaymentsToPerpetualCare (265,435)fil_PaymentsToPerpetualCare
Amount received for perpetual care trusts 140,587fil_AmountReceivedForPerpetualCareTrusts 113,130fil_AmountReceivedForPerpetualCareTrusts 169,924fil_AmountReceivedForPerpetualCareTrusts
Mortgage, policy, and other loans made (286,974,069)us-gaap_PaymentsToAcquireLoansHeldForInvestment (160,737,841)us-gaap_PaymentsToAcquireLoansHeldForInvestment (117,135,836)us-gaap_PaymentsToAcquireLoansHeldForInvestment
Payments received for mortgage, policy, and other loans 267,763,998us-gaap_ProceedsFromSaleOfLoansHeldForInvestment 133,260,148us-gaap_ProceedsFromSaleOfLoansHeldForInvestment 131,565,100us-gaap_ProceedsFromSaleOfLoansHeldForInvestment
Purchases of property and equipment (1,520,443)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (3,570,334)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment (3,022,393)us-gaap_PaymentsToAcquirePropertyPlantAndEquipment
Disposal of property and equipment 894,805us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment 33,900us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment 30,524us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment
Purchases of real estate held for investment (19,317,567)us-gaap_PaymentsToAcquireRealEstate (26,749,586)us-gaap_PaymentsToAcquireRealEstate (143,278)us-gaap_PaymentsToAcquireRealEstate
Sale of real estate held for investment 7,269,475us-gaap_ProceedsFromSaleOfOtherRealEstate 3,352,446us-gaap_ProceedsFromSaleOfOtherRealEstate 6,886,821us-gaap_ProceedsFromSaleOfOtherRealEstate
Cash received from reinsurance 13,553,864fil_ProceedsFromReinsurance 2,466,175fil_ProceedsFromReinsurance 34,485,224fil_ProceedsFromReinsurance
Cash paid for purchase of subsidiaries, net of cash acquired (15,011,193)fil_CashPaidForPurchaseOfSubsidiariesNetOfCashAcquired   (180,591)fil_CashPaidForPurchaseOfSubsidiariesNetOfCashAcquired
Net cash provided by (used in) investing activities (44,727,656)us-gaap_NetCashProvidedByUsedInInvestingActivities (33,129,059)us-gaap_NetCashProvidedByUsedInInvestingActivities 13,538,723us-gaap_NetCashProvidedByUsedInInvestingActivities
Cash flows from financing activities:      
Annuity contract receipts 10,051,662us-gaap_AdditionsToContractHoldersFunds 9,385,168us-gaap_AdditionsToContractHoldersFunds 8,939,017us-gaap_AdditionsToContractHoldersFunds
Annuity contract withdrawals (14,519,563)us-gaap_WithdrawalFromContractHoldersFunds (14,866,251)us-gaap_WithdrawalFromContractHoldersFunds (13,915,777)us-gaap_WithdrawalFromContractHoldersFunds
Proceeds from stock options exercised 74,024us-gaap_ProceedsFromStockOptionsExercised 252,815us-gaap_ProceedsFromStockOptionsExercised 18,306us-gaap_ProceedsFromStockOptionsExercised
Repayment of bank loans and notes and contracts payable (2,357,468)us-gaap_RepaymentsOfBankDebt (2,292,037)us-gaap_RepaymentsOfBankDebt (1,534,612)us-gaap_RepaymentsOfBankDebt
Proceeds from bank borrowings 13,115,348us-gaap_ProceedsFromBankDebt 13,314,594us-gaap_ProceedsFromBankDebt 241,875us-gaap_ProceedsFromBankDebt
Change in line of credit borrowings   (4,608,204)fil_ChangeInLineOfCreditBorrowings (11,791,796)fil_ChangeInLineOfCreditBorrowings
Net cash provided by (used in) financing activities 6,364,003us-gaap_NetCashProvidedByUsedInFinancingActivities 1,186,085us-gaap_NetCashProvidedByUsedInFinancingActivities (18,042,987)us-gaap_NetCashProvidedByUsedInFinancingActivities
Net change in cash and cash equivalents (7,347,844)us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 4,708,880us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease 17,911,942us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease
Cash and cash equivalents at beginning of year 38,203,164us-gaap_CashAndCashEquivalentsAtCarryingValue 33,494,284us-gaap_CashAndCashEquivalentsAtCarryingValue 15,582,342us-gaap_CashAndCashEquivalentsAtCarryingValue
Cash and cash equivalents at end of year 30,855,320us-gaap_CashAndCashEquivalentsAtCarryingValue 38,203,164us-gaap_CashAndCashEquivalentsAtCarryingValue 33,494,284us-gaap_CashAndCashEquivalentsAtCarryingValue
Non Cash Investing and Financing Activities      
Mortgage loans foreclosed into real estate $ 981,820fil_MortgageLoansForeclosedIntoRealEstate $ 3,930,297fil_MortgageLoansForeclosedIntoRealEstate $ 17,019,870fil_MortgageLoansForeclosedIntoRealEstate