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3) Investments: Schedule of Major categories of net investment income (Details) (USD $)
 3 Months Ended
Mar. 31, 2015
Mar. 31, 2014
Gross investment income $ 9,928,812fil_GrossInvestmentIncome $ 7,486,754fil_GrossInvestmentIncome
Investment Income, Investment Expense (2,105,968)us-gaap_InvestmentIncomeInvestmentExpense (1,844,254)us-gaap_InvestmentIncomeInvestmentExpense
Net Investment Income 7,822,844us-gaap_NetInvestmentIncome 5,642,500us-gaap_NetInvestmentIncome
Fixed Maturities    
Gross investment income 1,980,696fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_FixedMaturities1Member		 2,109,121fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_FixedMaturities1Member
Equity Securities    
Gross investment income 59,418fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember		 39,247fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= us-gaap_EquitySecuritiesMember
Mortgage loans on real estate    
Gross investment income 1,850,626fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_MortgageLoansOnRealEstate2Member		 1,552,110fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_MortgageLoansOnRealEstate2Member
Real Estate    
Gross investment income 1,623,741fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_RealEstate1Member		 1,689,595fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_RealEstate1Member
Policy, Student and other loans    
Gross investment income 188,546fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_PolicyStudentAndOtherLoansMember		 197,568fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_PolicyStudentAndOtherLoansMember
Short-term investments, principally gains on sale of mortgage loans    
Gross investment income $ 4,225,785fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_ShortTermInvestmentsPrincipallyGainsOnSaleOfMortgageLoansMember		 $ 1,899,113fil_GrossInvestmentIncome
/ us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis
= fil_ShortTermInvestmentsPrincipallyGainsOnSaleOfMortgageLoansMember