2. Accounting Policies and Basis of Presentation (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Notes to Financial Statements
Allowance for uncollectible reinsurance	$ 0	$ 103,000
Due and accrued investment income	343,521	305,103
Allowance for doubtful accounts	85,000	92,000
Uncollectible premiums receivable balances written off	54,000	57,000
Advertising costs	$ 35,000	$ 32,000