INVESTMENTS (Details) (USD $)	3 Months Ended
	Mar. 31, 2015 Loans	Mar. 31, 2014	Dec. 31, 2014 Loans
Amortized cost and estimated value of debt securities, by contractual maturity [Abstract]
Due in one year or less	$ 3,450,132
Due after one year through five years	24,083,177
Due after five years through ten years	86,783,934
Due after ten years	85,249,594
Collateralized mortgage obligations	997,153
Total	200,563,990
Fixed maturities [Abstract]
Original or Amortized Cost	229,754,910		227,910,002
Gross Unrealized Gains	16,286,618	13,020,260
Gross Unrealized Losses	(2,125,853)	(2,452,804)
Estimated Market Value	243,915,675		238,477,458
Amortized cost and estimated market value of debt securities, by contractual maturity [Abstract]
Due in one year or less	3,359,020
Due after one year through five years	22,740,022
Due after five years through ten years	81,389,426
Due after ten years	80,782,316
Collateralized mortgage obligation	916,506
Total	189,187,290
Trading Securities [Abstract]
Fair value, derivatives included in trading security assets	0		6,250
Fair value, derivative included in trading security liabilities	(10,375)		(23,853)
Trading securities, net unrealized gain (loss)	947,630	260,651
Trading securities, realized gain (loss)	(423,657)	21,173
Increase (Decrease) in Trading Securities [Abstract]
Net Realized and Unrealized Gain (Loss) on Trading Securities	523,973	281,824
Mortgages [Abstract]
Number of Mortgage Loans including Discounted Mortgage Loans	30		33
Mortgage Loans including Discounted Mortgage Loans	20,308,926		23,161,982
Mortgage loans reserve			0
Average purchase price to outstanding loan (in hundredths)	27.84%
U.S. Government and Government Agencies and Authorities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	22,417,779		23,036,161
Gross Unrealized Gains	2,018,645	1,970,791
Gross Unrealized Losses	(7,032)	(50,184)
Estimated Market Value	24,429,392		24,956,768
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	4,990,625		4,947,265
Twelve months or longer, Unrealized losses	(7,032)	(50,184)
Total Fair value	4,990,625		4,947,265
Total Unrealized losses	(7,032)	(50,184)
US Special Revenue and Assessments [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	1,137,664		1,137,702
Gross Unrealized Gains	26,396	13,739
Gross Unrealized Losses	0	(202,930)
Estimated Market Value	1,164,060		948,511
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		784,390
Twelve months or longer, Unrealized losses	0	(202,930)
Total Fair value	0		784,390
Total Unrealized losses	0	(202,930)
States, Municipalities and Political Subdivisions [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	0		95,000
Gross Unrealized Gains	0	2,385
Gross Unrealized Losses	0	0
Estimated Market Value	0		97,385
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value			0
Less than 12 months, Unrealized losses		0
Twelve months or longer, Fair value			0
Twelve months or longer, Unrealized losses		0
Total Fair value			0
Total Unrealized losses		0
Collateralized Mortgage Obligations [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	916,506		1,005,081
Gross Unrealized Gains	80,657	92,091
Gross Unrealized Losses	(10)	(6)
Estimated Market Value	997,153		1,097,166
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	986		1,012
Twelve months or longer, Unrealized losses	(10)	(6)
Total Fair value	986		1,012
Total Unrealized losses	(10)	(6)
Public Utilities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	399,931		399,927
Gross Unrealized Gains	57,704	55,913
Gross Unrealized Losses	0	0
Estimated Market Value	457,635		455,840
Debt Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	189,187,290		188,634,364
Gross Unrealized Gains	12,920,064	10,759,405
Gross Unrealized Losses	(1,543,364)	(1,912,313)
Estimated Market Value	200,563,990		197,481,456
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	19,437,851		28,954,477
Less than 12 months, Unrealized losses	(351,722)	(416,560)
Twelve months or longer, Fair value	8,567,945		9,267,873
Twelve months or longer, Unrealized losses	(1,191,642)	(1,495,753)
Total Fair value	28,005,796		38,222,350
Total Unrealized losses	(1,543,364)	(1,912,313)
Less than 12 months Number of Securities	12		18
Twelve months or longer Number of Securities	6		7
Total Number of Securities	18		25
Equity Securities [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	40,567,620		39,275,638
Gross Unrealized Gains	3,366,554	2,260,855
Gross Unrealized Losses	(582,489)	(540,491)
Estimated Market Value	43,351,685		40,996,002
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	2,579,789		6,067,132
Less than 12 months, Unrealized losses	(582,489)	(540,491)
Twelve months or longer, Fair value	0		0
Twelve months or longer, Unrealized losses	0	0
Total Fair value	2,579,789		6,067,132
Total Unrealized losses	(582,489)	(540,491)
Less than 12 months Number of Securities	25		25
Twelve months or longer Number of Securities	0		0
Total Number of Securities	25		25
All Other Corporate Bonds [Member]
Fixed maturities [Abstract]
Original or Amortized Cost	164,315,410		162,960,493
Gross Unrealized Gains	10,736,662	8,624,486
Gross Unrealized Losses	(1,536,322)	(1,659,193)
Estimated Market Value	173,515,750		169,925,786
Available-for-sale Securities, Continuous Unrealized Loss Position [Abstract]
Less than 12 months, Fair value	19,437,851		28,954,477
Less than 12 months, Unrealized losses	(351,722)	(416,560)
Twelve months or longer, Fair value	3,576,334		3,535,206
Twelve months or longer, Unrealized losses	(1,184,600)	(1,242,633)
Total Fair value	23,014,185		32,489,683
Total Unrealized losses	$ (1,536,322)	$ (1,659,193)