INVESTMENTS (Details) (USD $)	12 Months Ended
	Dec. 31, 2013 Loans	Dec. 31, 2012
Fixed maturities [Abstract]
Original or Amortized Cost	$ 209,710,626	$ 203,023,718
Gross Unrealized Gains	8,791,365	16,915,155
Gross Unrealized Losses	(3,577,189)	(2,106,674)
Estimated Market Value	214,924,802	217,832,199
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Total Unrealized losses	(3,577,189)	(2,106,674)
Amortized cost of debt securities, by contractual maturity [Abstract]
Due in one year or less	574,145
Due after one year through five years	21,161,153
Due after five years through ten years	101,700,702
Due after ten years	46,212,444
Collateralized mortgage obligation	1,436,952
Total	171,085,396
Estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	584,549
Due after one year through five years	22,675,320
Due after five years through ten years	104,365,569
Due after ten years	45,228,525
Collateralized mortgage obligations	1,555,861
Available-for-sale Securities, Debt Securities	174,409,824	187,327,285
Amortized cost of investment in fixed maturities rated below investment grade	13,842,824	19,080,167
Trading Securities [Abstract]
Fair value, derivative included in trading security liabilities	(353,907)	(6,050,344)
Fair value, derivatives included in trading security assets	194,000	6,745,528
Increase (Decrease) in Trading Securities [Abstract]
Trading securities, realized gain (loss)	(36,876)	(352,761)
Trading securities, net unrealized gain (loss)	35,932	2,918,279
Net Realized and Unrealized Gain (Loss) on Trading Securities	(944)	2,565,518
Mortgages [Abstract]
Mortgage Loans including Discounted Mortgage Loans	16,761,525	22,244,731
Servicing Fee on Loan Percent	0.25%
Loan Origination Percent	0.50%	0.50%
Commercial loans maximum rate	10.00%	10.00%
Commercial loans minimum rate	3.25%	3.21%
Residential loans maximum rate	8.00%	8.00%
Residential loans minimum rate	7.00%	6.00%
Loan limit threshold for appraised property value	80.00%
Average purchase price to outstanding loan (in hundredths)	33.60%
Mortgage loans reserve	0	0
Discounted mortgage loan portfolio payment performance [Abstract]
Number of discounted loans with no payments	9
Number of discounted loans one time payment received	1
Number of discounted loans irregular payments received	4
Number of discounted loans periodic payments received	16
Number of discounted loans	30
Discounted loans with no payments	56,576
Discounted loans with one time payment received	0
Discounted loans with irregular payments received	1,555,962
Discounted loans with periodic payments received	11,218,197
Discounted loans	12,830,735
Discounted mortgage loan holdings [Abstract]
In good standing	1,493,437	3,945,701
Overdue interest over 90 days	4,875,812	3,368,750
Restructured	4,037,814	7,685,690
In process of foreclosure	2,423,672	11,336,812
Total discounted mortgage loans	12,830,735	26,336,953
Total foreclosed discounted mortgage loans	6,294,403	2,603,017
NET INVESTMENT INCOME [Abstract]
Investment Income	30,328,355	26,212,704
Investment Income, Investment Expense	(8,064,520)	(7,693,447)
Consolidated Net Investment Income	22,263,835	18,519,257
Gain (Loss) on Investments [Line Items]
Gross realized gains	2,400,736	14,916,656
Gross Realized (Losses)	(1,511,483)	(611,344)
Total realized investment gains (losses), net	889,253	14,305,312
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Other than Temporary Impairment Losses, Investments, Total	1,201,775	187,405
Fair value of investments on deposit with state insurance departments	10,824,094	11,660,630
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	1,000,000	174,725
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	0	12,680
Real Estate [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	201,775	0
Discounted Mortgage Loans [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	0	0
Fixed Maturity Available for Sale [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	1,631,590	9,816,015
Gross Realized (Losses)	(33,898)	(409,745)
Total realized investment gains (losses), net	1,597,692	9,406,270
Fixed Maturities Available for Sale - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0	0
Gross Realized (Losses)	(201,775)	(12,680)
Total realized investment gains (losses), net	(201,775)	(12,680)
Equity Securities [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	76,973	566,894
Gross Realized (Losses)	(10,245)	0
Total realized investment gains (losses), net	66,728	566,894
Preferred stock [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	411
Gross Realized (Losses)	0
Total realized investment gains (losses), net	411
Equity Securities - OTTI [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0	0
Gross Realized (Losses)	(1,000,000)	(174,725)
Total realized investment gains (losses), net	(1,000,000)	(174,725)
Real Estate [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	691,762	4,533,747
Gross Realized (Losses)	(254,430)	(14,194)
Total realized investment gains (losses), net	437,332	4,519,553
Mortgage loans [Member]
Gain (Loss) on Investments [Line Items]
Gross realized gains	0
Gross Realized (Losses)	(11,135)
Total realized investment gains (losses), net	(11,135)
Fixed Maturity Available for Sale [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	8,060,930	7,490,812
Equity Securities [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	2,955,918	1,745,375
Trading Securities [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	(944)	2,565,518
Mortgage Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	888,960	1,022,895
Discounted Mortgage Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	7,672,483	4,186,155
Real Estate [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	9,967,590	8,384,417
Policy Loans [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	782,358	809,885
Short-term Investments [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	0	0
Cash and Cash Equivalents [Member]
NET INVESTMENT INCOME [Abstract]
Investment Income	1,060	7,647
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	32,963,938	33,430,165
Gross Unrealized Gains	3,156,158	5,457,009
Gross Unrealized Losses	(107,550)	0
Estimated Market Value	36,012,546	38,887,174
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	4,889,060
Less than 12 months, Unrealized losses	(107,550)
Twelve months or longer, Fair value	0
Twelve months or longer, Unrealized losses	0
Total Fair value	4,889,060
Total Unrealized losses	(107,550)	0
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	110,000	160,000
Gross Unrealized Gains	0	6,637
Gross Unrealized Losses	(924)	0
Estimated Market Value	109,076	166,637
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	109,076
Less than 12 months, Unrealized losses	(924)
Twelve months or longer, Fair value	0
Twelve months or longer, Unrealized losses	0
Total Fair value	109,076
Total Unrealized losses	(924)	0
Collateralized Mortgage Obligations [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,289,975	2,241,384
Gross Unrealized Gains	116,900	183,409
Gross Unrealized Losses	(13)	(8)
Estimated Market Value	1,406,862	2,424,785
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	1,922	4,513
Less than 12 months, Unrealized losses	(13)	(8)
Twelve months or longer, Fair value	0	0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	1,922	4,513
Total Unrealized losses	(13)	(8)
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,913	399,900
Gross Unrealized Gains	49,567	63,662
Gross Unrealized Losses	0	0
Estimated Market Value	449,480	463,562
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0
Less than 12 months, Unrealized losses	0
Twelve months or longer, Fair value	0
Twelve months or longer, Unrealized losses	0
Total Fair value	0
Total Unrealized losses	0	0
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	171,085,396	173,526,717
Gross Unrealized Gains	6,901,617	15,611,827
Gross Unrealized Losses	(3,577,189)	(1,811,259)
Estimated Market Value	174,409,824	187,327,285
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	55,178,395	13,781,218
Less than 12 months, Unrealized losses	(1,829,669)	(245,854)
Twelve months or longer, Fair value	7,318,832	385,823
Twelve months or longer, Unrealized losses	(1,747,520)	(1,565,405)
Total Fair value	62,497,227	14,167,041
Total Unrealized losses	(3,577,189)	(1,811,259)
Less than 12 months Number of Securities	30	8
Twelve months or longer Number of Securities	5	3
Total Number of Securities	35	11
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	38,625,230	29,497,001
Gross Unrealized Gains	1,889,748	1,303,328
Gross Unrealized Losses	0	(295,415)
Estimated Market Value	40,514,978	30,504,914
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0	594,081
Less than 12 months, Unrealized losses	0	(295,415)
Twelve months or longer, Fair value	0	0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	0	594,081
Total Unrealized losses	0	(295,415)
Less than 12 months Number of Securities	0	9
Twelve months or longer Number of Securities	0	0
Total Number of Securities	0	9
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	134,168,678	135,145,198
Gross Unrealized Gains	3,483,229	9,747,565
Gross Unrealized Losses	(3,229,082)	(1,811,251)
Estimated Market Value	134,422,825	143,081,512
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	49,430,637	13,776,705
Less than 12 months, Unrealized losses	(1,481,562)	(245,846)
Twelve months or longer, Fair value	7,318,832	385,823
Twelve months or longer, Unrealized losses	(1,747,520)	(1,565,405)
Total Fair value	56,749,469	14,162,528
Total Unrealized losses	(3,229,082)	(1,811,251)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	2,152,892	2,150,070
Gross Unrealized Gains	95,763	153,545
Gross Unrealized Losses	(239,620)	0
Estimated Market Value	2,009,035	2,303,615
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	747,700
Less than 12 months, Unrealized losses	(239,620)
Twelve months or longer, Fair value	0
Twelve months or longer, Unrealized losses	0
Total Fair value	747,700
Total Unrealized losses	$ (239,620)	$ 0