Note 14. Share-based Compensation: Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions (Tables)

12 Months Ended

Dec. 31, 2016

Independence Holding Company Share Based Plans Total Member

Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions

	2016
Weighted-average risk-free interest rate	1.87%
Expected annual dividend rate per share	0.60%
Expected volatility factor of the Company's common stock	12.95%
Weighted-average expected term of options	4.5 years

American Independence Corp Share Based Plans Total Member

Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions

	2014
Weighted-average risk-free interest rate	2.72%
Annual dividend rate per share	-
Weighted-average volatility factor of the Company's common stock	38.27%
Weighted-average expected term of options	5 years