INCOME TAXES (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Income tax expense (benefits) [Abstract]
Current tax	$ 5,716,480	$ 5,296,407
Deferred tax	(222,098)	(4,030,745)
Income tax expense	5,494,382	1,265,662
Income tax expense (benefit) reconciliation [Abstract]
United States statutory rate (in hundredths)	35.00%
Tax computed at statutory rate	5,404,636	2,719,131
Changes in taxes due to [Abstract]
Non-controlling interest	(238,632)	(65,334)
Small company deduction	0	(623,767)
Other	328,378	(764,368)
Income tax expense	5,494,382	1,265,662
Deferred tax liability [Abstract]
Investments	4,644,740	5,519,570
Cost of insurance acquired	4,095,268	4,496,193
Deferred policy acquisition costs	149,176	170,893
Management/consulting fees	(66,344)	(70,554)
Future policy benefits	2,137,835	2,447,327
Deferred gain on sale of subsidiary	2,312,483	2,312,483
Other liabilities	(63,967)	(120,039)
Federal tax DAC	(907,614)	(1,010,122)
Deferred income taxes	12,301,577	13,745,751
Gross deferred tax assets	2,793,932	2,879,079
Gross deferred tax liabilities	15,095,508	16,624,830
Valuation allowance	$ 0