Income Tax Matters (Schedule of Deferred Tax Assets and Liabilities) (Details) (USD $)	Dec. 31, 2013	Dec. 31, 2012
Deferred tax assets:
Loss carryforwards	$ 6,594,919	$ 6,061,739
Capitalized costs	821,248	898,240
Unrealized losses on investments	252,196	28,181
Benefit reserves	1,235,692	1,157,055
Total deferred tax assets	8,904,055	8,145,215
Less valuation allowance	(7,132,984)	(6,208,648)
Total deferred tax assets, net of valuation allowance	1,771,071	1,936,567
Deferred tax liabilities:
Policy acquisition costs	978,902	1,018,676
Due premiums	222,067	278,842
Value of business acquired	279,402	327,949
Intangible assets	238,000	238,000
Property and equipment	52,700	73,100
Total deferred tax liabilities	1,771,070	1,936,567
Net deferred tax assets