INVESTMENTS (Details) (USD $)	3 Months Ended
	Mar. 31, 2014 Loans	Mar. 31, 2013	Dec. 31, 2013 Loans
Amortized cost and estimated value of debt securities, by contractual maturity [Abstract]
Due in one year or less	$ 1,369,862
Due after one year through five years	27,068,104
Due after five years through ten years	102,656,995
Due after ten years	43,519,385
Collateralized mortgage obligations	1,296,805
Total	175,911,151
Fixed maturities [Abstract]
Original or Amortized Cost	207,627,021		209,710,626
Gross Unrealized Gains	11,271,019	8,791,365
Gross Unrealized Losses	(2,280,990)	(3,577,189)
Estimated Market Value	216,617,050		214,924,802
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Twelve months or longer, Fair value			0
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities [Abstract]
Other than temporary impairment losses, investments, available-for-sale securities	0	26,926
Amortized cost and estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	1,324,432
Due after one year through five years	25,476,209
Due after five years through ten years	98,191,729
Due after ten years	42,966,447
Collateralized mortgage obligation	1,188,632
Total	169,147,449
Trading Securities [Abstract]
Fair value, derivatives included in trading security assets	124,000		194,000
Fair value, derivative included in trading security liabilities	(149,956)		(353,907)
Trading securities, net unrealized gain (loss)	260,651	(297,344)
Trading securities, realized gain (loss)	21,173	86,271
Increase (Decrease) in Trading Securities [Abstract]
Net Realized and Unrealized Gain (Loss) on Trading Securities	281,824	(211,073)
Mortgages [Abstract]
Number of Mortgage Loans including Discounted Mortgage Loans	36		39
Mortgage Loans including Discounted Mortgage Loans	25,355,268		27,285,269
Mortgage loans reserve			0
Average purchase price to outstanding loan (in hundredths)	33.10%
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	32,967,799		32,963,938
Gross Unrealized Gains	3,197,556	3,156,158
Gross Unrealized Losses	(94,083)	(107,550)
Estimated Market Value	36,071,272		36,012,546
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0		4,889,060
Less than 12 months, Unrealized losses	0	(107,550)
Twelve months or longer, Fair value	4,902,734
Twelve months or longer, Unrealized losses	(94,083)	0
Total Fair value	4,902,734		4,889,060
Total Unrealized losses	(94,083)	(107,550)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,703,755		2,152,892
Gross Unrealized Gains	83,382	95,763
Gross Unrealized Losses	(227,230)	(239,620)
Estimated Market Value	1,559,907		2,009,035
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	760,090		747,700
Less than 12 months, Unrealized losses	(227,230)	(239,620)
Twelve months or longer, Fair value	0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	760,090		747,700
Total Unrealized losses	(227,230)	(239,620)
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	105,000		110,000
Gross Unrealized Gains	513	0
Gross Unrealized Losses	0	(924)
Estimated Market Value	105,513		109,076
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, Unrealized losses		0
Total Fair value			109,076
Total Unrealized losses		(924)
Collateralized Mortgage Obligations [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,188,632		1,289,975
Gross Unrealized Gains	108,187	116,900
Gross Unrealized Losses	(14)	(13)
Estimated Market Value	1,296,805		1,406,862
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	1,884		1,922
Less than 12 months, Unrealized losses	(14)	(13)
Twelve months or longer, Fair value	0		0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	1,884		1,922
Total Unrealized losses	(14)	(13)
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,917		399,913
Gross Unrealized Gains	50,438	49,567
Gross Unrealized Losses	0	0
Estimated Market Value	450,355		449,480
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	169,147,449		171,085,396
Gross Unrealized Gains	9,044,692	6,901,617
Gross Unrealized Losses	(2,280,990)	(3,577,189)
Estimated Market Value	175,911,151		174,409,824
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	21,552,641		55,178,395
Less than 12 months, Unrealized losses	(744,569)	(1,829,669)
Twelve months or longer, Fair value	11,474,440		7,318,832
Twelve months or longer, Unrealized losses	(1,536,421)	(1,747,520)
Total Fair value	33,027,081		62,497,227
Total Unrealized losses	(2,280,990)	(3,577,189)
Less than 12 months Number of Securities	13		30
Twelve months or longer Number of Securities	7		5
Total Number of Securities	20		35
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	38,479,572		38,625,230
Gross Unrealized Gains	2,226,327	1,889,748
Gross Unrealized Losses	0	0
Estimated Market Value	40,705,899		40,514,978
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0		0
Less than 12 months, Unrealized losses	0	0
Twelve months or longer, Fair value	0		0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	0		0
Total Unrealized losses	0	0
Less than 12 months Number of Securities	0		0
Twelve months or longer Number of Securities	0		0
Total Number of Securities	0		0
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	132,782,346		134,168,678
Gross Unrealized Gains	5,604,616	3,483,229
Gross Unrealized Losses	(1,959,663)	(3,229,082)
Estimated Market Value	136,427,299		134,422,825
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	20,790,667		49,430,637
Less than 12 months, Unrealized losses	(517,325)	(1,481,562)
Twelve months or longer, Fair value	6,571,706		7,318,832
Twelve months or longer, Unrealized losses	(1,442,338)	(1,747,520)
Total Fair value	27,362,373		56,749,469
Total Unrealized losses	$ (1,959,663)	$ (3,229,082)