CONCENTRATIONS (Details) (USD $)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
CONCENTRATIONS [Abstract]
Number of states by which entity primarily serves	4
Percentage of total direct premium from major states (in hundredths)	55.00%	52.00%
Maximum retention limits per life	$ 125,000
Life insurance ceded, percentage (in hundredths)	21.00%	24.00%
Percentage of premium income represents for insurance ceded (in hundredths)	25.00%	28.00%