LEASES, COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2013	Dec. 31, 2012
Lease commitments, Payments due by period [Abstract]
Real estate operating leases, Total	$ 7,640,978
Real estate operating leases, Less than 1 year	1,366,288
Real estate operating leases, 1 - 3 years	2,479,379
Real estate operating leases, 4 - 5 years	1,805,215
Real estate operating leases, More than 5 years	1,990,096
Loss Contingencies [Line Items]
Premium tax offsets	894,275	995,545
Period for guaranty fund assessments expected to be paid	2 years
Period for premium tax offsets are expected to be realized	10 years
Entity's share of case loss reserves, eliminated by the purchase of annuities	178,101
Contingent liability for aggregate guaranteed amount of annuities	244,998
Guaranty Fund [Member]
Loss Contingencies [Line Items]
Accrued estimated fund assessments	893,769	1,016,334
Second-Injury Fund [Member]
Loss Contingencies [Line Items]
Accrued estimated fund assessments	$ 1,746,605	$ 1,578,802