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Note 1. Significant Accounting Policies and Practices: Participating Policies (Details)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Participating Policies as Percentage of Gross Insurance in Force	11.40%	11.30%	11.40%
Participating Policies As Percentage Of Net Premiums Earned	7.80%	9.30%	11.30%

This percent places participating policies in the numerator and insurance contracts in force in the denominator. Participating insurance contracts allow policyholders to share in the experience of the entity, primarily through policy dividends.

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