INVESTMENTS (Details) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014 Loans	Jun. 30, 2013	Jun. 30, 2014 Loans	Jun. 30, 2013	Dec. 31, 2013 Loans
Amortized cost and estimated value of debt securities, by contractual maturity [Abstract]
Due in one year or less	$ 2,184,318		$ 2,184,318
Due after one year through five years	29,126,177		29,126,177
Due after five years through ten years	103,657,373		103,657,373
Due after ten years	42,215,085		42,215,085
Collateralized mortgage obligations	1,281,111		1,281,111
Total	178,464,064		178,464,064
Fixed maturities [Abstract]
Original or Amortized Cost	206,407,300		206,407,300		209,710,626
Gross Unrealized Gains			15,538,654	8,791,365
Gross Unrealized Losses			(1,798,418)	(3,577,189)
Estimated Market Value	220,147,536		220,147,536		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	0	0	26,926
Amortized cost and estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	2,122,904		2,122,904
Due after one year through five years	27,156,733		27,156,733
Due after five years through ten years	97,400,143		97,400,143
Due after ten years	40,546,550		40,546,550
Collateralized mortgage obligation	1,179,564		1,179,564
Total	168,405,894		168,405,894
Trading Securities [Abstract]
Fair value, derivatives included in trading security assets	37,500		37,500		194,000
Fair value, derivative included in trading security liabilities	(158,214)		(158,214)		(353,907)
Trading securities, net unrealized gain (loss)	(245,029)	346,889	15,622	49,545
Trading securities, realized gain (loss)	150,365	129,591	171,538	215,862
Increase (Decrease) in Trading Securities [Abstract]
Net Realized and Unrealized Gain (Loss) on Trading Securities	(94,664)	476,480	187,160	265,407
Mortgages [Abstract]
Number of Mortgage Loans including Discounted Mortgage Loans	35		35		39
Mortgage Loans including Discounted Mortgage Loans	26,355,415		26,355,415		27,285,269
Mortgage loans reserve					0
Average purchase price to outstanding loan (in hundredths)			33.24%
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	32,971,711		32,971,711		32,963,938
Gross Unrealized Gains			3,253,290	3,156,158
Gross Unrealized Losses			(60,309)	(107,550)
Estimated Market Value	36,164,692		36,164,692		36,012,546
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0		0		4,889,060
Less than 12 months, Unrealized losses			0	(107,550)
Twelve months or longer, Fair value	4,936,720		4,936,720
Twelve months or longer, Unrealized losses		0	(60,309)
Total Fair value	4,936,720		4,936,720		4,889,060
Total Unrealized losses		(107,550)	(60,309)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,703,646		1,703,646		2,152,892
Gross Unrealized Gains			79,196	95,763
Gross Unrealized Losses			(217,640)	(239,620)
Estimated Market Value	1,565,202		1,565,202		2,009,035
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	769,680		769,680		747,700
Less than 12 months, Unrealized losses			(217,640)	(239,620)
Twelve months or longer, Fair value	0		0
Twelve months or longer, Unrealized losses		0	0
Total Fair value	769,680		769,680		747,700
Total Unrealized losses		(239,620)	(217,640)
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	105,000		105,000		110,000
Gross Unrealized Gains			1,501	0
Gross Unrealized Losses			0	(924)
Estimated Market Value	106,501		106,501		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	1,179,564		1,179,564		1,289,975
Gross Unrealized Gains			101,557	116,900
Gross Unrealized Losses			(10)	(13)
Estimated Market Value	1,281,111		1,281,111		1,406,862
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	1,851		1,851		1,922
Less than 12 months, Unrealized losses			(10)	(13)
Twelve months or longer, Fair value	0		0		0
Twelve months or longer, Unrealized losses			0	0
Total Fair value	1,851		1,851		1,922
Total Unrealized losses			(10)	(13)
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,920		399,920		399,913
Gross Unrealized Gains			61,670	49,567
Gross Unrealized Losses			0	0
Estimated Market Value	461,590		461,590		449,480
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	168,405,894		168,405,894		171,085,396
Gross Unrealized Gains			11,855,879	6,901,617
Gross Unrealized Losses			(1,797,709)	(3,577,189)
Estimated Market Value	178,464,064		178,464,064		174,409,824
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	2,300,434		2,300,434		55,178,395
Less than 12 months, Unrealized losses			(221,605)	(1,829,669)
Twelve months or longer, Fair value	10,363,549		10,363,549		7,318,832
Twelve months or longer, Unrealized losses			(1,576,104)	(1,747,520)
Total Fair value	12,663,983		12,663,983		62,497,227
Total Unrealized losses			(1,797,709)	(3,577,189)
Less than 12 months Number of Securities	4		4		30
Twelve months or longer Number of Securities	6		6		5
Total Number of Securities	10		10		35
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	38,001,406		38,001,406		38,625,230
Gross Unrealized Gains			3,682,775	1,889,748
Gross Unrealized Losses			(709)	0
Estimated Market Value	41,683,472		41,683,472		40,514,978
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	13,172		13,172		0
Less than 12 months, Unrealized losses			(709)	0
Twelve months or longer, Fair value	0		0		0
Twelve months or longer, Unrealized losses			0	0
Total Fair value	13,172		13,172		0
Total Unrealized losses			(709)	0
Less than 12 months Number of Securities	3		3		0
Twelve months or longer Number of Securities	0		0		0
Total Number of Securities	3		3		0
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	132,046,053		132,046,053		134,168,678
Gross Unrealized Gains			8,358,665	3,483,229
Gross Unrealized Losses			(1,519,750)	(3,229,082)
Estimated Market Value	138,884,968		138,884,968		134,422,825
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	1,528,903		1,528,903		49,430,637
Less than 12 months, Unrealized losses			(3,955)	(1,481,562)
Twelve months or longer, Fair value	5,426,829		5,426,829		7,318,832
Twelve months or longer, Unrealized losses			(1,515,795)	(1,747,520)
Total Fair value	6,955,732		6,955,732		56,749,469
Total Unrealized losses			$ (1,519,750)	$ (3,229,082)