CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and cash equivalents	$ 18,951	$ 21,285
Investments	246,892	229,785
Receivables:
Reinsurance	18,768	15,673
Insurance premiums and other, net of allowance for doubtful accounts of $379 and $405 in 2012 and 2011, respectively	6,330	8,289
Deferred acquisition costs	26,133	24,259
Other assets	975	706
Goodwill	2,128	2,128
Total assets	320,177	302,125
LIABILITIES AND SHAREHOLDERS' EQUITY
Insurance reserves and policyholder funds	154,558	147,194
Accounts payable and accrued expenses	11,481	14,100
Deferred income taxes, net	7,164	3,316
Debt payable	41,238	41,238
Total liabilities	214,441	205,848
Commitments and contingencies (Note 8)
Shareholders' equity:
Preferred stock, $1 par, 4,000,000 shares authorized; Series D preferred, 70,000 shares issued and outstanding; $7,000 redemption value	70	70
Common stock, $1 par, 50,000,000 shares authorized; 22,400,894 shares issued; 21,216,542 shares and 21,274,241 shares outstanding in 2012 and 2011, respectively	22,401	22,401
Additional paid-in capital	57,180	57,136
Retained earnings	8,621	6,179
Accumulated other comprehensive income	19,571	12,244
Treasury stock, at cost, 1,184,352 shares in 2012 and 1,126,653 shares in 2011	(2,107)	(1,753)
Total shareholders' equity	105,736	96,277
Total liabilities and shareholders' equity	$ 320,177	$ 302,125