2. Accounting Policies and Basis of Presentation (Details Narrative) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Accounting Policies And Basis Of Presentation Details Narrative
Due and accrued investment income	$ 414,210	$ 343,521
Allowance for doubtful accounts	145,000	85,000
Uncollectible premiums receivable balances written off	88,000	54,000
Cash deposits in excess of the FDIC secured limit	3,046,000	4,162,000
Advertising costs	$ 55,000	$ 35,000