2. Accounting Policies and Basis of Presentation (Details Narrative) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Accounting Policies And Basis Of Presentation Details Narrative
Due and accrued investment income	$ 694,239	$ 644,061
Allowance for doubtful accounts	231,000	127,000
Uncollectible premiums receivable balances written off	72,000	146,000
Cash deposits in excess of the FDIC secured limit	15,021,000	6,041,000
Advertising costs	$ 75,000	$ 71,000