CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (UNAUDITED) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Income:
Premium income	$ 9,426,647	$ 10,012,029	$ 19,233,670	$ 20,145,999
Vision insurance income	593,928	598,126	1,231,104	1,181,009
Net investment income	206,782	244,969	412,478	503,222
Realized gains on debt retirement	324	4,860	324	4,536
Realized gains (loss)	15,477	(16,552)	12,186	(16,552)
Total Income	10,243,158	10,843,432	20,889,762	21,818,214
Expenses:
Liability for future policy benefits expense	(61,815)	(33,311)	(111,628)	(91,607)
Policy benefits and other insurance costs	7,441,744	7,974,422	14,934,796	15,735,019
Amortization of deferred policy acquisition costs	5,730	5,079	5,670	5,273
Operating expenses	2,146,320	2,190,414	4,191,111	4,239,923
Taxes, other than income, fees and assessments	387,779	390,241	790,214	793,874
Total Expenses	9,919,758	10,526,845	19,810,163	20,682,482
Income from Operations before Income Taxes	323,400	316,587	1,079,599	1,135,732
Provision for income taxes	80,077	58,000	205,000	189,000
Net Income	243,323	258,587	874,599	946,732
Net income per common share (basic and diluted) (in Dollars per share)	$ 0.02	$ 0.02	$ 0.06	$ 0.06
Weighted average number of fully paid common shares (in Shares)	15,075,399	15,113,923	15,078,200	15,116,858
Other comprehensive income (loss), net of tax: Unrealized gains (losses) on securities:
Unrealized holding gain (loss) arising during period (net of tax)	15,730	(124,160)	32,321	(104,930)
Reclassification adjustment for gain included in net income	10,101	13,563	10,101	13,563
Other Comprehensive Income (Loss)	25,831	(110,597)	42,422	(91,367)
Comprehensive Income	$ 269,154	$ 147,990	$ 917,021	$ 855,365