CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ASSETS
Cash and cash equivalents	$ 33,102	$ 18,951
Investments	228,961	246,892
Receivables:
Reinsurance	14,314	18,768
Insurance premiums and other, net of allowance for doubtful accounts of $339 and $379 in 2013 and 2012, respectively	9,343	6,330
Deferred income taxes, net	363	0
Deferred acquisition costs	27,509	26,133
Other assets	3,245	975
Intangibles	2,544	2,128
Total assets	319,381	320,177
LIABILITIES AND SHAREHOLDERS' EQUITY
Insurance reserves and policyholder funds	162,373	154,558
Accounts payable and accrued expenses	14,843	11,481
Deferred income taxes, net	0	7,164
Debt payable	41,238	41,238
Total liabilities	218,454	214,441
Commitments and contingencies (Note 8)
Shareholders' equity:
Preferred stock, $1 par, 4,000,000 shares authorized; Series D preferred, 65,000 and 70,000 shares issued and outstanding in 2013 and 2012, respectively; $6,500 and $7,000 redemption value in 2013 and 2012, respectively	65	70
Common stock, $1 par, 50,000,000 shares authorized; 22,400,894 shares issued; 21,117,874 and 21,216,542 shares outstanding in 2013 and 2012, respectively	22,401	22,401
Additional paid-in capital	57,103	57,180
Retained earnings	18,738	8,621
Accumulated other comprehensive income	6,204	19,571
Unearned stock grant compensation	(485)	0
Treasury stock, at cost, 1,283,020 shares in 2013 and 1,184,352 shares in 2012	(3,099)	(2,107)
Total shareholders' equity	100,927	105,736
Total liabilities and shareholders' equity	$ 319,381	$ 320,177