INVESTMENTS (Details) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2014 Loans	Sep. 30, 2013	Sep. 30, 2014 Loans	Sep. 30, 2013	Dec. 31, 2013 Loans
Amortized cost and estimated value of debt securities, by contractual maturity [Abstract]
Due in one year or less	$ 2,162,219		$ 2,162,219
Due after one year through five years	32,271,787		32,271,787
Due after five years through ten years	93,033,930		93,033,930
Due after ten years	49,727,416		49,727,416
Collateralized mortgage obligations	1,189,582		1,189,582
Total	178,384,934		178,384,934
Fixed maturities [Abstract]
Original or Amortized Cost	209,970,963		209,970,963		209,710,626
Gross Unrealized Gains			14,645,310	8,791,365
Gross Unrealized Losses			(2,048,060)	(3,577,189)
Estimated Market Value	222,568,213		222,568,213		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	1,010,001	0	1,036,927
Amortized cost and estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	2,123,529		2,123,529
Due after one year through five years	30,119,653		30,119,653
Due after five years through ten years	88,663,220		88,663,220
Due after ten years	48,015,960		48,015,960
Collateralized mortgage obligation	1,089,595		1,089,595
Total	170,011,957		170,011,957
Trading Securities [Abstract]
Fair value, derivatives included in trading security assets	41,000		41,000		194,000
Fair value, derivative included in trading security liabilities	(107,202)		(107,202)		(353,907)
Trading securities, net unrealized gain (loss)	(87,272)	200,447	(71,650)	249,992
Trading securities, realized gain (loss)	120,296	(258,099)	291,834	(42,237)
Increase (Decrease) in Trading Securities [Abstract]
Net Realized and Unrealized Gain (Loss) on Trading Securities	33,024	(57,652)	220,184	207,755
Mortgages [Abstract]
Number of Mortgage Loans including Discounted Mortgage Loans	35		35		39
Mortgage Loans including Discounted Mortgage Loans	26,234,213		26,234,213		27,285,269
Mortgage loans reserve					0
Average purchase price to outstanding loan (in hundredths)			31.98%
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	32,975,714		32,975,714		32,963,938
Gross Unrealized Gains			2,916,994	3,156,158
Gross Unrealized Losses			(76,928)	(107,550)
Estimated Market Value	35,815,780		35,815,780		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	4,920,310		4,920,310
Twelve months or longer, Unrealized losses		0	(76,928)
Total Fair value	4,920,310		4,920,310		4,889,060
Total Unrealized losses		(107,550)	(76,928)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,703,536		1,703,536		2,152,892
Gross Unrealized Gains			70,642	95,763
Gross Unrealized Losses			(212,870)	(239,620)
Estimated Market Value	1,561,308		1,561,308		2,009,035
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0		0		747,700
Less than 12 months, Unrealized losses			0	(239,620)
Twelve months or longer, Fair value	774,450		774,450
Twelve months or longer, Unrealized losses		0	(212,870)
Total Fair value	774,450		774,450		747,700
Total Unrealized losses		(239,620)	(212,870)
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	95,000		95,000		110,000
Gross Unrealized Gains			1,600	0
Gross Unrealized Losses			0	(924)
Estimated Market Value	96,600		96,600		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	1,089,595		1,089,595		1,289,975
Gross Unrealized Gains			99,994	116,900
Gross Unrealized Losses			(7)	(13)
Estimated Market Value	1,189,582		1,189,582		1,406,862
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	0		0		1,922
Less than 12 months, Unrealized losses			0	(13)
Twelve months or longer, Fair value	1,034		1,034		0
Twelve months or longer, Unrealized losses			(7)	0
Total Fair value	1,034		1,034		1,922
Total Unrealized losses			(7)	(13)
Common Stock [Member]
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities [Abstract]
Other than temporary impairment losses, investments, available-for-sale securities	0	1,000,000	0	1,000,000
Mortgage Loans on Real Estate [Member]
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities [Abstract]
Other than temporary impairment losses, investments, available-for-sale securities	0	10,001	0	10,001
Commercial Real Estate [Member]
Other than Temporary Impairment Losses, Investments, Available-for-sale Securities [Abstract]
Other than temporary impairment losses, investments, available-for-sale securities			0	26,926
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,924		399,924		399,913
Gross Unrealized Gains			56,314	49,567
Gross Unrealized Losses			0	0
Estimated Market Value	456,238		456,238		449,480
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	170,011,957		170,011,957		171,085,396
Gross Unrealized Gains			10,276,843	6,901,617
Gross Unrealized Losses			(1,903,866)	(3,577,189)
Estimated Market Value	178,384,934		178,384,934		174,409,824
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	21,284,486		21,284,486		55,178,395
Less than 12 months, Unrealized losses			(237,864)	(1,829,669)
Twelve months or longer, Fair value	9,090,098		9,090,098		7,318,832
Twelve months or longer, Unrealized losses			(1,666,002)	(1,747,520)
Total Fair value	30,374,584		30,374,584		62,497,227
Total Unrealized losses			(1,903,866)	(3,577,189)
Less than 12 months Number of Securities	10		10		30
Twelve months or longer Number of Securities	7		7		5
Total Number of Securities	17		17		35
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	39,959,006		39,959,006		38,625,230
Gross Unrealized Gains			4,368,467	1,889,748
Gross Unrealized Losses			(144,194)	0
Estimated Market Value	44,183,279		44,183,279		40,514,978
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	1,055,295		1,055,295		0
Less than 12 months, Unrealized losses			(144,194)	0
Twelve months or longer, Fair value	0		0		0
Twelve months or longer, Unrealized losses			0	0
Total Fair value	1,055,295		1,055,295		0
Total Unrealized losses			(144,194)	0
Less than 12 months Number of Securities	22		22		0
Twelve months or longer Number of Securities	0		0		0
Total Number of Securities	22		22		0
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	133,748,188		133,748,188		134,168,678
Gross Unrealized Gains			7,131,299	3,483,229
Gross Unrealized Losses			(1,614,061)	(3,229,082)
Estimated Market Value	139,265,426		139,265,426		134,422,825
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	21,284,486		21,284,486		49,430,637
Less than 12 months, Unrealized losses			(237,864)	(1,481,562)
Twelve months or longer, Fair value	3,394,304		3,394,304		7,318,832
Twelve months or longer, Unrealized losses			(1,376,197)	(1,747,520)
Total Fair value	24,678,790		24,678,790		56,749,469
Total Unrealized losses			$ (1,614,061)	$ (3,229,082)