INVESTMENTS (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Fixed maturities [Abstract]
Original or Amortized Cost	$ 203,023,718	$ 123,714,443
Gross Unrealized Gains	16,915,155	20,003,796
Gross Unrealized Losses	(2,106,674)	(1,835,434)
Estimated Market Value	217,832,199	141,882,805
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	594,081	848,032
Less than 12 months, Unrealized losses	(295,415)	(55,141)
Twelve months or longer, Fair value	0	292,441
Twelve months or longer, Unrealized losses	0	(61,560)
Total Fair value	594,081	1,140,473
Total Unrealized losses	(295,415)	(116,701)
Amortized cost and estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	4,067,722
Due after one year through five years	22,420,385
Due after five years through ten years	105,150,475
Due after ten years	39,643,584
Collateralized mortgage obligation	2,244,551
Total	173,526,717
Amortized cost and estimated value of debt securities, by contractual maturity [Abstract]
Due in one year or less	4,116,580
Due after one year through five years	24,718,707
Due after five years through ten years	113,890,802
Due after ten years	42,173,173
Collateralized mortgage obligations	2,428,023
Available-for-sale Securities, Debt Securities	187,327,285	124,583,177
Amortized cost of investment in fixed maturities rated below investment grade	19,080,167	1,843,314
Trading Securities [Abstract]
Fair value, derivative included in trading security liabilities	(6,050,344)	(4,187,885)
Fair value, derivatives included in trading security assets	6,745,528	3,217,420
Trading securities, net unrealized gain (loss)	(352,761)	(1,604,757)
Trading securities, realized gain (loss)	2,918,279	(737,328)
Increase (Decrease) in Trading Securities [Abstract]
Net Realized and Unrealized Gain (Loss) on Trading Securities	2,565,518	(2,342,085)
Mortgages [Abstract]
Mortgage Loans including Discounted Mortgage Loans	22,244,731	11,123,386
Servicing Fee on Loan Percent	0.25%
Loan Origination Percent	0.50%
Commercial loans maximum rate	10.00%	18.00%
Commercial loans minimum rate	3.21%	3.24%
Residential loans maximum rate	8.00%	8.00%
Residential loans minimum rate	6.00%	7.00%
Average purchase price to outstanding loan (in hundredths)	36.10%
Mortgage loans reserve	0
Discounted mortgage loan portfolio payment performance [Abstract]
Number of discounted loans with no payments	13
Number of discounted loans one-time payment received	3
Number of discounted loans irregular payments received	17
Number of discounted loans periodic payments received	23
Number of discounted loans	56
Discounted loans with no payments	5,558,962
Discounted loans with one-time payment received	0
Discounted loans with irregular payments received	7,681,387
Discounted loans with periodic payments received	13,096,604
Discounted loans	26,336,953
Discounted mortgage loan holdings [Abstract]
In good standing	3,945,701	6,657,971
Overdue interest over 90 days	3,368,750	5,907,192
Restructured	7,685,690	7,726,156
In process of foreclosure	11,336,812	7,176,601
Total discounted mortgage loans	26,336,953	27,467,920
Total foreclosed discounted mortgage loans	2,603,017	21,059,386
NET INVESTMENT INCOME [Abstract]
Investment Income	26,212,704	19,576,771
Investment Income, Investment Expense	(7,693,447)	(8,378,606)
Consolidated Net Investment Income	18,519,257	11,198,165
Gain (Loss) on Investments [Line Items]
Gross realized gains	14,916,656	16,662,247
Gross Realized (Losses)	(611,344)	(5,099,618)
Total realized investment gains (losses), net	14,305,312	11,562,629
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Total	187,405	4,342,784
Carrying Value	30,504,914	17,299,628
Fair value of investments on deposit with state insurance departments	11,660,630	10,998,036
Common Stock [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	174,725	0
Municipal Bonds [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Portion Recognized in Earnings, Net, Available-for-sale Securities	12,680	0
Real Estate [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Cost-method Investments, Other than Temporary Impairment	0	3,360,430
Discounted Mortgage Loans [Member]
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Cost-method Investments, Other than Temporary Impairment	0	982,354
Fixed Maturity Available for Sale [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	9,816,015	9,290,554
Gross Realized (Losses)	(409,745)	(376,567)
Total realized investment gains (losses), net	9,406,270	8,913,987
Fixed Maturities Available for Sale - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0
Gross Realized (Losses)	(12,680)
Total realized investment gains (losses), net	(12,680)
Equity Securities [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	566,894	0
Gross Realized (Losses)	0	(126,193)
Total realized investment gains (losses), net	566,894	(126,193)
Equity Securities - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0
Gross Realized (Losses)	(174,725)
Total realized investment gains (losses), net	(174,725)
Real Estate [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	4,533,747	7,371,693
Gross Realized (Losses)	(14,194)	(50,634)
Total realized investment gains (losses), net	4,519,553	7,321,059
Mortgage loans [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains		0
Gross Realized (Losses)		(203,440)
Total realized investment gains (losses), net		(203,440)
Real Estate - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains		0
Gross Realized (Losses)		(3,360,430)
Total realized investment gains (losses), net		(3,360,430)
Mortgage Loans - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains		0
Gross Realized (Losses)		(982,354)
Total realized investment gains (losses), net		(982,354)
Fixed Maturity Available for Sale [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	7,490,812	4,277,019
Equity Securities [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	1,745,375	971,008
Trading Securities [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	2,565,518	(2,342,085)
Mortgage Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	1,022,895	645,838
Discounted Mortgage Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	4,186,155	8,231,832
Real Estate [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	8,384,417	6,820,847
Policy Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	809,885	807,389
Short-term Investments [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	0	156,527
Cash and Cash Equivalents [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	7,647	8,396
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	33,430,165	56,794,363
Gross Unrealized Gains	5,457,009	13,805,565
Gross Unrealized Losses	0	0
Estimated Market Value	38,887,174	70,599,928
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	160,000	235,000
Gross Unrealized Gains	6,637	6,317
Gross Unrealized Losses	0	0
Estimated Market Value	166,637	241,317
Collateralized Mortgage Obligations [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	2,241,384	750,944
Gross Unrealized Gains	183,409	11,756
Gross Unrealized Losses	(8)	(2,973)
Estimated Market Value	2,424,785	759,727
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	4,513	7,008
Less than 12 months, Unrealized losses	(8)	(36)
Twelve months or longer, Fair value	0	97,868
Twelve months or longer, Unrealized losses	0	(2,937)
Total Fair value	4,513	104,876
Total Unrealized losses	(8)	(2,973)
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,900	399,887
Gross Unrealized Gains	63,662	62,188
Gross Unrealized Losses	0	0
Estimated Market Value	463,562	462,075
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	173,526,717	107,514,400
Gross Unrealized Gains	15,611,827	18,787,510
Gross Unrealized Losses	(1,811,259)	(1,718,733)
Estimated Market Value	187,327,285	124,583,177
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	13,781,218	3,922,401
Less than 12 months, Unrealized losses	(245,854)	(17,610)
Twelve months or longer, Fair value	385,823	1,366,451
Twelve months or longer, Unrealized losses	(1,565,405)	(1,701,123)
Total Fair value	14,167,041	5,288,852
Total Unrealized losses	(1,811,259)	(1,718,733)
Less than 12 months Number of Securities	8	5
Twelve months or longer Number of Securities	3	6
Total Number of Securities	11	11
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	29,497,001	16,200,043
Gross Unrealized Gains	1,303,328	1,216,286
Gross Unrealized Losses	(295,415)	(116,701)
Estimated Market Value	30,504,914	17,299,628
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months Number of Securities	9	2
Twelve months or longer Number of Securities	0	1
Total Number of Securities	9	3
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	135,145,198	49,334,206
Gross Unrealized Gains	9,747,565	4,901,684
Gross Unrealized Losses	(1,811,251)	(1,715,760)
Estimated Market Value	143,081,512	52,520,130
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	13,776,705	3,915,393
Less than 12 months, Unrealized losses	(245,846)	(17,574)
Twelve months or longer, Fair value	385,823	1,268,583
Twelve months or longer, Unrealized losses	(1,565,405)	(1,698,186)
Total Fair value	14,162,528	5,183,976
Total Unrealized losses	(1,811,251)	(1,715,760)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	2,150,070
Gross Unrealized Gains	153,545
Gross Unrealized Losses	0
Estimated Market Value	$ 2,303,615