CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $) In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
ASSETS
Cash and cash equivalents	$ 37,252	$ 18,951
Investments:
Fixed maturities (cost: $191,629 and $201,986)	193,030	230,508
Common and non-redeemable preferred stocks (cost: $13,432 and $10,477)	16,945	12,205
Other invested assets (cost: $648 and $565)	648	565
Policy loans	2,327	2,338
Real estate	38	38
Investment in unconsolidated trusts	1,238	1,238
Total investments	214,226	246,892
Receivables:
Reinsurance	16,621	18,768
Insurance premiums and other (net of allowance for doubtful accounts: $353 and $379)	17,135	6,330
Deferred income taxes, net	1,626	0
Deferred acquisition costs	27,689	26,133
Other assets	1,018	975
Goodwill	2,128	2,128
Total assets	317,695	320,177
LIABILITIES AND SHAREHOLDERS' EQUITY
Future policy benefits	68,937	66,932
Unearned premiums	32,032	22,637
Losses and claims	64,852	62,873
Other policy liabilities	1,383	2,116
Total insurance reserves and policyholder funds	167,204	154,558
Accounts payable and accrued expenses	12,223	11,481
Deferred income taxes, net	0	7,164
Junior subordinated debenture obligations	41,238	41,238
Total liabilities	220,665	214,441
Commitments and contingencies (Note 8)
Shareholders' equity:
Preferred stock, $1 par, 4,000,000 shares authorized; Series D preferred, shares issued and outstanding: 65,000 and 70,000; redemption value: $6,500 and $7,000	65	70
Common stock, $1 par, 50,000,000 shares authorized; shares issued: 22,400,894; shares outstanding: 21,251,203 and 21,216,542	22,401	22,401
Additional paid-in capital	57,096	57,180
Retained earnings	17,396	8,621
Accumulated other comprehensive income	3,194	19,571
Unearned stock grant compensation	(567)	0
Treasury stock, at cost: 1,149,691 and 1,184,352 shares	(2,555)	(2,107)
Total shareholders' equity	97,030	105,736
Total liabilities and shareholders' equity	$ 317,695	$ 320,177