CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,522	$ 2,365
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Amortization of deferred acquisition costs	7,932	7,816
Acquisition costs deferred	(9,587)	(9,239)
Realized investment gains	(1,428)	(974)
Increase in insurance reserves	4,511	2,454
Depreciation and amortization	341	283
Deferred income tax (benefit) expense	(323)	244
Increase in receivables, net	(1,568)	(3,149)
Decrease in other liabilities	(1,606)	(124)
Other, net	(86)	302
Net cash provided by (used in) operating activities	1,708	(22)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	34,358	46,450
Investments purchased	(36,672)	(51,804)
Additions to property and equipment	(159)	(48)
Net cash used in investing activities	(2,473)	(5,402)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from shares issued under stock plans	106	0
Payment of dividends on Series D Preferred Stock	(508)	0
Payment of dividends on common stock	(425)	(445)
Purchase of shares for treasury	(556)	(71)
Net cash used in financing activities	(1,383)	(516)
Net decrease in cash and cash equivalents	(2,148)	(5,940)
Cash and cash equivalents at beginning of period	21,285	28,325
Cash and cash equivalents at end of period	19,137	22,385
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	1,981	1,945
Cash paid for income taxes	$ 180	$ 0