CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 820	$ 922
Adjustments to reconcile net income to net cash used in operating activities:
Amortization of deferred acquisition costs	2,849	2,796
Acquisition costs deferred	(2,636)	(3,273)
Realized investment gains, net	(108)	(678)
Decrease in insurance reserves	(4,590)	(3,583)
Compensation expense related to share awards	87	0
Depreciation and amortization	213	142
Deferred income tax expense	110	87
Decrease in receivables, net	2,287	1,564
Decrease in other liabilities	(3,376)	(858)
Other, net	18	48
Net cash used in operating activities	(4,326)	(2,833)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	11,570	13,521
Investments purchased	(11,202)	(10,510)
Additions to property and equipment	(1,666)	(80)
Net cash (used in) provided by investing activities	(1,298)	2,931
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from shares issued under stock plans	12	0
Purchase of shares for treasury	(312)	(272)
Net cash used in financing activities	(300)	(272)
Net decrease in cash and cash equivalents	(5,924)	(174)
Cash and cash equivalents at beginning of period	33,102	18,951
Cash and cash equivalents at end of period	27,178	18,777
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	435	643
Cash paid for income taxes	$ 292	$ 310