CONCENTRATIONS (Details)	12 Months Ended
	Dec. 31, 2015 USD ($) States	Dec. 31, 2014 USD ($)
CONCENTRATIONS [Abstract]
Number of states by which entity primarily serves | States	4
Percentage of total direct premium from major states (in hundredths)	54.00%	54.00%
Maximum retention limits per life | $	$ 125,000	$ 125,000
Life insurance ceded, percentage (in hundredths)	21.00%	21.00%
Percentage of premium income represents for insurance ceded (in hundredths)	31.00%	29.00%