CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2013	Mar. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 922	$ 1,657
Adjustments to reconcile net income to net cash used in operating activities:
Amortization of deferred acquisition costs	2,796	2,960
Acquisition costs deferred	(3,273)	(3,431)
Realized investment gains	(678)	(958)
(Decrease) increase in insurance reserves	(3,583)	2,688
Depreciation and amortization	142	112
Deferred income tax expense (benefit)	87	(33)
Decrease (increase) in receivables, net	1,564	(761)
Decrease in other liabilities	(858)	(2,937)
Other, net	48	(21)
Net cash used in operating activities	(2,833)	(724)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	13,521	16,864
Investments purchased	(10,510)	(18,808)
Additions to property and equipment	(80)	(72)
Net cash provided by (used in) investing activities	2,931	(2,016)
CASH FLOWS FROM FINANCING ACTIVITIES:
Payment of dividends on Series D Preferred Stock	0	(508)
Purchase of shares for treasury	(272)	0
Net cash used in financing activities	(272)	(508)
Net decrease in cash and cash equivalents	(174)	(3,248)
Cash and cash equivalents at beginning of period	18,951	21,285
Cash and cash equivalents at end of period	18,777	18,037
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	643	659
Cash paid for income taxes	$ 310	$ 0