SURPLUS NOTES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
SURPLUS NOTES [Abstract]
Surplus notes payable to affiliate	$ 25,000,000	$ 25,000,000
Interest rate on surplus notes (in hundredths)	1.35%	3.60%	3.60%
Period for review of interest rate	5 years 0 months 0 days	5 years 0 months 0 days	5 years 0 months 0 days
Interest expense (all affiliated)	$ 384,375	$ 900,000	$ 900,000