CONCENTRATIONS (Details) (USD $)	12 Months Ended
	Dec. 31, 2013 States	Dec. 31, 2012
CONCENTRATIONS [Abstract]
Number of states by which entity primarily serves	4
Percentage of total direct premium from major states (in hundredths)	54.00%	55.00%
Maximum retention limits per life	$ 125,000	$ 125,000
Life insurance ceded, percentage (in hundredths)	21.00%	21.00%
Percentage of premium income represents for insurance ceded (in hundredths)	27.00%	28.00%