Consolidated Statements of Cash Flows - USD ($)	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash Flows from Operating Activities:
Net loss	$ (1,603,205)	$ (2,363,466)
Adjustments to reconcile net loss to net cash and cash equivalents provided by (used in) operating activities:
Net adjustment for premium and discount on investments	80,594	96,076
Depreciation and amortization	196,192	139,112
Deferred acquisition costs capitalized	(453,647)	(324,175)
Amortization of deferred acquisition costs	253,850	326,094
Net realized (gain) loss on investments	(3,705)	5,661
Loss from equity method investments	$ 16,650	226,407
Non-cash compensation expense		1,917
Changes in operating assets and liabilities:
Amounts recoverable from reinsurers	$ 933,434	823,159
Interest and dividends due and accrued	(2,994)	49,706
Due premiums	5,926	(16,152)
Policy liabilities	127,089	25,979
Other assets and liabilities	(206,181)	272,005
Net cash (used in) provided by operating activities	(655,997)	(737,677)
Securities available for sale:
Purchases	(8,630,393)	(5,885,884)
Proceeds from sale or maturity	$ 7,266,021	5,561,141
Equity securities carried at cost:
Purchases		(27,383)
Proceeds from sale or maturity	$ 6,000	7,500
Proceeds from payments on mortgage loans on real estate, held for investment	349,386	4,863
Net change in policy loans	$ (35,686)	(23,235)
Net change in notes receivable		27,383
Net change in short-term investments		(651)
Purchases of property and equipment	$ (4,566)	(101,539)
Net cash (used in) investing activities	(1,049,238)	$ (437,805)
Cash Flows from Financing Activities:
Issuance of common stock	$ 286,722
Issuance of preferred stock		$ 464,003
Preferred stock dividend	$ (34,497)
Receipts on deposit-type contracts	1,191,753	$ 1,176,155
Withdrawals on deposit-type contracts	(288,496)	(241,014)
Net cash provided by financing activities	1,155,482	1,399,144
Net (decrease) increase in cash and cash equivalents	(549,753)	223,662
Cash and cash equivalents:
Beginning	2,310,047	3,377,978
Ending	$ 1,760,294	$ 3,601,640