Consolidated Statements of Cash Flows - USD ($)	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash Flows from Operating Activities:
Net loss	$ (2,073,062)	$ (2,788,819)
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	124,192	117,007
Depreciation and amortization	294,248	214,738
Deferred acquisition costs capitalized	(524,000)	(441,879)
Amortization of deferred acquisition costs	373,132	467,290
Net realized (gain) loss on investments	12,383	(99,080)
Loss from equity method investments	$ 95,650	315,000
Non-cash compensation expense		1,917
Changes in operating assets and liabilities:
Amounts recoverable from reinsurers	$ 1,347,874	1,176,392
Interest and dividends due and accrued	(27,870)	(953)
Due premiums	(26,332)	32,606
Policy liabilities	(43,008)	(165,257)
Other assets and liabilities	(319,621)	(217,242)
Net cash (used in) operating activities	(766,414)	(1,388,280)
Securities available for sale:
Purchases	(12,498,330)	(9,511,327)
Proceeds from sale or maturity	$ 10,374,724	7,447,297
Equity securities carried at cost:
Purchases		(27,383)
Proceeds from sale or maturity	$ 9,000	1,143,500
Proceeds from payments on mortgage loans on real estate, held for investment	349,386	7,359
Net change in policy loans	$ (44,236)	(136,101)
Net change in notes receivable		27,383
Net change in short-term investments	$ 633	115,334
Purchases of property and equipment	(4,566)	(107,444)
Net cash (used in) investing activities	$ (1,813,389)	(1,041,382)
Cash Flows from Financing Activities:
Repurchases of common stock		(58,251)
Issuance of preferred stock	$ 286,722	$ 610,011
Preferred stock dividend	$ (56,057)
Net transfers from non-controlling interest		$ (460,919)
Receipts on deposit-type contracts	$ 1,725,623	1,705,351
Withdrawals on deposit-type contracts	(477,400)	(292,703)
Net cash provided by financing activities	1,478,888	1,503,489
Net (decrease) increase in cash and cash equivalents	(1,100,915)	(926,173)
Cash and cash equivalents:
Beginning	2,310,047	3,377,978
Ending	$ 1,209,132	$ 2,451,805