CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands	9 Months Ended
Sep. 30, 2011	Sep. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,365	$ 1,018
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Amortization of deferred acquisition costs	7,816	7,250
Acquisition costs deferred	(9,239)	(8,355)
Realized investment gains	(974)	(224)
Increase in insurance reserves	2,454	3,900
Depreciation and amortization	283	292
Deferred income tax expense	244	853
Increase in receivables, net	(3,149)	(2,307)
Decrease in other liabilities	(124)	(1,524)
Other, net	302	(580)
Net cash (used in) provided by operating activities	(22)	323
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	46,450	73,142
Investments purchased	(51,804)	(28,611)
Additions to property and equipment	(48)	(50)
Net cash (used in) provided by investing activities	(5,402)	44,481
CASH FLOWS FROM FINANCING ACTIVITIES:
Payment of dividends on common stock	(445)	0
Purchase of shares for treasury	(71)	(26)
Net cash used in financing activities	(516)	(26)
Net (decrease) increase in cash and cash equivalents	(5,940)	44,778
Cash and cash equivalents at beginning of period	28,325	20,129
Cash and cash equivalents at end of period	22,385	64,907
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	1,945	1,962
Cash paid for income taxes	$ 0	$ 0

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Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).