Condensed Consolidated Statements of Cash Flows (Unaudited) (USD $)	6 Months Ended
	Jun. 30, 2013	Jun. 30, 2012
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 7,623,348	$ 848,444
INVESTING ACTIVITIES
Purchases of available-for-sale securities	(36,098,086)	(22,501,356)
Sales of available-for-sale securities	908,149	5,714,990
Maturities of available-for-sale securities	27,756,207	13,405,225
Acquisitions of mortgage loans on real estate	(505,800)	(1,605,000)
Payments of mortgage loans on real estate	715,685	3,001,518
Purchases of state-guaranteed receivables		(158,005)
Payments of state-guaranteed receivables	301,020	277,020
Acquisitions of short-term investments		(17,094)
Sales and maturities of short-term investments		17,094
Net change in payable for securities		1,222,109
Net reductions of other investments	39,832	477,009
Net additions to property and equipment	(66,817)	(493,993)
NET CASH USED IN INVESTING ACTIVITIES	(6,949,810)	(660,483)
FINANCING ACTIVITIES
Receipts from universal life policies credited to policy holder account balances	2,715,340	2,775,427
Return of policyholder account balances on universal life policies	(4,973,942)	(4,566,278)
Payments on notes payable	(2,088,646)	(2,152,807)
Proceeds from notes payable	2,041,172	1,753,882
Dividends paid	(285,471)	(265,129)
Issuances (repurchases) of common stock, net	(118,558)	90,900
NET CASH USED IN FINANCING ACTIVITIES	(2,710,105)	(2,364,005)
DECREASE IN CASH AND CASH EQUIVALENTS	(2,036,567)	(2,176,044)
Cash and cash equivalents at beginning of period	6,009,905	6,534,616
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$ 3,973,338	$ 4,358,572