3. Investments (Details 4) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Fixed-maturity securities:
Gross realized gains	$ 60,349	$ 51,805	$ 153,695	$ 139,107
Gross realized losses	0		(52,600)	(1,983)
Total	60,349	51,805	101,095	137,124
Equity securities:
Gross realized gains	7,735	11,558	40,019	147,375
Gross realized losses	(2,098)		(29,568)	(60,704)
Total equity securities	5,637	11,558	10,451	86,671
Cash and short term investments		133,211		133,211
Net realized gains	$ 65,986	$ 196,574	$ 111,546	$ 357,006