10. Income Taxes (Details) (USD $)	Mar. 31, 2013	Dec. 31, 2012
Deferred tax asset:
Net operating loss carryovers (1)	$ 266,800	$ 264,648
Claims reserve discount	326,944	313,544
Unearned premium	845,712	811,413
Deferred ceding commission revenue	1,673,567	1,658,190
Other	5,818	10,921
Total deferred tax assets	3,118,841	3,058,716
Deferred tax liability:
Investment in KICO (2)	1,169,000	1,169,000
Deferred acquisition costs	1,887,944	1,893,759
Intangibles	1,042,450	1,082,886
Depreciation and amortization	154,821	152,576
Reinsurance recoverable		20,400
Net unrealized appreciation of securities - available for sale	678,928	527,376
Total deferred tax liabilities	4,933,143	4,845,997
Net deferred income tax liability	$ (1,814,302)	$ (1,787,281)