CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $) In Thousands, unless otherwise specified	Mar. 31, 2013	Dec. 31, 2012
ASSETS
Cash and cash equivalents	$ 18,777	$ 18,951
Investments:
Fixed maturities (cost: $199,555 and $201,986)	223,539	230,508
Common and non-redeemable preferred stocks (cost: $10,477 and $10,477)	13,819	12,205
Other invested assets (cost: $617 and $565)	617	565
Policy loans	2,289	2,338
Real estate	38	38
Investment in unconsolidated trusts	1,238	1,238
Total investments	241,540	246,892
Receivables:
Reinsurance	16,666	18,768
Insurance premiums and other (net of allowance for doubtful accounts: $364 and $379)	6,868	6,330
Deferred acquisition costs	26,610	26,133
Other assets	959	975
Goodwill	2,128	2,128
Total assets	313,548	320,177
LIABILITIES AND SHAREHOLDERS' EQUITY
Future policy benefits	67,603	66,932
Unearned premiums	21,620	22,637
Losses and claims	60,124	62,873
Other policy liabilities	1,628	2,116
Total insurance reserves and policyholder funds	150,975	154,558
Accounts payable and accrued expenses	11,031	11,481
Deferred income taxes, net	6,277	7,164
Junior subordinated debenture obligations	41,238	41,238
Total liabilities	209,521	214,441
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; shares issued: 22,400,894; shares outstanding: 21,135,574 and 21,216,542	22,401	22,401
Additional paid-in capital	57,180	57,180
Retained earnings	8,993	8,621
Accumulated other comprehensive income	17,762	19,571
Treasury stock, at cost: 1,265,320 and 1,184,352 shares	(2,379)	(2,107)
Total shareholders' equity	104,027	105,736
Total liabilities and shareholders' equity	$ 313,548	$ 320,177