COST OF INSURANCE ACQUIRED (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Cost of insurance acquired [Roll Forward]
Interest rate used in amortization calculation	12.00%
Cost of insurance acquired, beginning of year	$ 10,636,412	$ 11,700,765
California cost of insurance acquired	(602,778)	0
Interest accretion	1,298,980	1,426,703
Amortization	(2,284,630)	(2,491,056)
Net amortization	(985,650)	(1,064,353)
Cost of insurance acquired, end of year	9,047,984	10,636,412
Estimated net amortization expense of cost of insurance acquired for the next five years [Abstract]
2013 - Estimated interest accretion	1,181,000
2013 - Estimated amortization	2,088,000
2013 - Estimated net amortization	907,000
2014 - Estimated interest accretion	1,072,000
2014 - Estimated amortization	1,945,000
2014 - Estimated net amortization	873,000
2015 - Estimated interest accretion	967,000
2015 - Estimated amortization	1,806,000
2015 - Estimated net amortization	839,000
2016 - Estimated interest accretion	866,000
2016 - Estimated amortization	1,672,000
2016 - Estimated net amortization	806,000
2017 - Estimated interest accretion	770,000
2017 - Estimated amortization	1,546,000
2017 - Estimated net amortization	$ 776,000