CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,697	$ 6,882
Adjustments to reconcile net income to net cash used in operating activities:
Amortization of deferred acquisition costs	5,484	5,272
Acquisition costs deferred	(5,159)	(6,575)
Realized investment gains, net	(593)	(6,132)
Increase in insurance reserves	9,424	14,203
Compensation expense related to share awards	186	55
Depreciation and amortization	424	297
Deferred income tax expense	153	95
Increase in receivables, net	(8,940)	(15,264)
Decrease in other liabilities	(3,080)	(27)
Other, net	(132)	(54)
Net cash used in operating activities	(536)	(1,248)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	27,200	68,910
Investments purchased	(27,379)	(37,953)
Additions to property and equipment	(2,752)	(233)
Net cash (used in) provided by investing activities	(2,931)	30,724
CASH FLOWS FROM FINANCING ACTIVITIES:
Redemption of Series D preferred stock	0	(500)
Payment of dividends on common stock	(422)	(423)
Proceeds from shares issued under stock plans	59	113
Purchase of shares for treasury	(1,513)	(520)
Net cash used in financing activities	(1,876)	(1,330)
Net (decrease) increase in cash and cash equivalents	(5,343)	28,146
Cash and cash equivalents at beginning of period	33,102	18,951
Cash and cash equivalents at end of period	27,759	47,097
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	866	1,079
Cash paid for income taxes	$ 442	$ 314