CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
Mar. 31, 2015	Mar. 31, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 691us-gaap_NetIncomeLoss	$ 820us-gaap_NetIncomeLoss
Adjustments to reconcile net income to net cash used in operating activities:
Amortization of deferred acquisition costs	2,961	2,849
Acquisition costs deferred	(2,780)	(2,636)
Realized investment gains, net	(951)us-gaap_RealizedInvestmentGainsLosses	(108)us-gaap_RealizedInvestmentGainsLosses
Decrease in insurance reserves	(8,284)	(4,590)
Compensation expense related to share awards	65	87
Depreciation and amortization	283	213
Deferred income tax expense	308us-gaap_DeferredIncomeTaxExpenseBenefit	110us-gaap_DeferredIncomeTaxExpenseBenefit
Decrease in receivables, net	4,690us-gaap_IncreaseDecreaseInReceivables	2,287us-gaap_IncreaseDecreaseInReceivables
Decrease in other liabilities	(1,289)	(3,376)
Other, net	65	18
Net cash used in operating activities	(4,241)	(4,326)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	28,049	11,570
Investments purchased	(20,338)us-gaap_PaymentsToAcquireInvestments	(11,202)us-gaap_PaymentsToAcquireInvestments
Additions to property and equipment	(67)	(1,666)
Net cash provided by (used in) investing activities	7,644	(1,298)
CASH FLOWS FROM FINANCING ACTIVITIES:
Proceeds from shares issued under stock plans	11us-gaap_ProceedsFromStockPlans	12us-gaap_ProceedsFromStockPlans
Purchase of shares for treasury	(94)	(312)
Net cash used in financing activities	(83)	(300)
Net increase (decrease) in cash and cash equivalents	3,320	(5,924)
Cash and cash equivalents at beginning of period	16,375	33,102
Cash and cash equivalents at end of period	19,695	27,178
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	351us-gaap_InterestPaid	435us-gaap_InterestPaid
Cash paid for income taxes	$ 215us-gaap_IncomeTaxesPaid	$ 292us-gaap_IncomeTaxesPaid

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- Definition

The net realized gains or losses on investments during the period, not including gains or losses on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 225

-Section S99

-Paragraph 1

-Subparagraph (SX 210.7-04.3(a))

-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 944

-SubTopic 325

-Section 50

-Paragraph 1

-URI http://asc.fasb.org/extlink&oid=6485959&loc=d3e22529-158502

Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Regulation S-X (SX)

-Number 210

-Section 04

-Paragraph 3

-Subparagraph a

-Article 7

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