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v2.4.0.8

Segment Information (Details) (USD $) In Thousands, unless otherwise specified | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2014 | Sep. 30, 2013 | Sep. 30, 2014 | Sep. 30, 2013
Segment Reporting Information [Line Items] |  |  |  |
Number of reportable segments |  |  | 3 |
Segment Reporting, Measurement Differences Between Segment and Consolidated Profit (Loss) |  |  | The Company has no reportable differences between segments and consolidated operations. |
Premiums | $ 46,923 | $ 43,747 | $ 136,265 | $ 128,521
Net investment income | 10,384 | 9,570 | 30,373 | 27,224
Realized investment gains (losses), net | (222) | 30 | (351) | 143
Other income | 145 | 269 | 477 | 882
Total revenue | 57,230 | 53,616 | 166,764 | 156,770
Claims and surrenders | 17,326 | 16,763 | 50,451 | 48,229
Increase in future policy benefit reserves | 19,307 | 17,398 | 56,984 | 52,253
Policyholders' dividends | 2,573 | 2,362 | 7,087 | 6,671
Total insurance benefits paid or provided | 39,206 | 36,523 | 114,522 | 107,153
Commissions | 11,116 | 9,940 | 31,429 | 29,427
Other general expenses | 6,029 | 6,163 | 19,979 | 20,204
Capitalization of deferred policy acquisition costs | (8,126) | (7,067) | (22,617) | (21,101)
Amortization of deferred policy acquisition costs | 5,276 | 4,758 | 15,378 | 13,747
Amortization of cost of customer relationships acquired | 453 | 681 | 1,598 | 1,819
Total benefits and expenses | 53,954 | 50,998 | 160,289 | 151,249
Income (loss) before income tax expense | 3,276 | 2,618 | 6,475 | 5,521
Life Insurance Segment [Member] |  |  |  |
Segment Reporting Information [Line Items] |  |  |  |
Premiums | 35,359 | 32,800 | 101,739 | 95,767
Net investment income | 6,660 | 5,924 | 19,409 | 16,412
Realized investment gains (losses), net | (159) | 23 | (271) | 104
Other income | 130 | 261 | 406 | 675
Total revenue | 41,990 | 39,008 | 121,283 | 112,958
Claims and surrenders | 12,205 | 11,249 | 34,183 | 32,016
Increase in future policy benefit reserves | 18,314 | 16,756 | 54,139 | 49,845
Policyholders' dividends | 2,560 | 2,343 | 7,043 | 6,618
Total insurance benefits paid or provided | 33,079 | 30,348 | 95,365 | 88,479
Commissions | 7,351 | 6,282 | 20,073 | 18,558
Other general expenses | 2,464 | 2,780 | 8,269 | 8,560
Capitalization of deferred policy acquisition costs | (6,708) | (5,685) | (18,215) | (16,941)
Amortization of deferred policy acquisition costs | 4,449 | 3,947 | 13,061 | 11,802
Amortization of cost of customer relationships acquired | 163 | 171 | 454 | 492
Total benefits and expenses | 40,798 | 37,843 | 119,007 | 110,950
Income (loss) before income tax expense | 1,192 | 1,165 | 2,276 | 2,008
Home Service Insurance Segment [Member] |  |  |  |
Segment Reporting Information [Line Items] |  |  |  |
Premiums | 11,564 | 10,947 | 34,526 | 32,754
Net investment income | 3,389 | 3,309 | 9,958 | 9,830
Realized investment gains (losses), net | (63) | 2 | (81) | 33
Other income | 3 | (7) | 7 | 129
Total revenue | 14,893 | 14,251 | 44,410 | 42,746
Claims and surrenders | 5,121 | 5,514 | 16,268 | 16,213
Increase in future policy benefit reserves | 993 | 642 | 2,845 | 2,408
Policyholders' dividends | 13 | 19 | 44 | 53
Total insurance benefits paid or provided | 6,127 | 6,175 | 19,157 | 18,674
Commissions | 3,765 | 3,658 | 11,356 | 10,869
Other general expenses | 3,227 | 3,205 | 9,895 | 9,696
Capitalization of deferred policy acquisition costs | (1,418) | (1,382) | (4,402) | (4,160)
Amortization of deferred policy acquisition costs | 827 | 811 | 2,317 | 1,945
Amortization of cost of customer relationships acquired | 290 | 510 | 1,144 | 1,327
Total benefits and expenses | 12,818 | 12,977 | 39,467 | 38,351
Income (loss) before income tax expense | 2,075 | 1,274 | 4,943 | 4,395
Other Non-Insurance Enterprise Segment [Member] |  |  |  |
Segment Reporting Information [Line Items] |  |  |  |
Premiums | 0 | 0 | 0 | 0
Net investment income | 335 | 337 | 1,006 | 982
Realized investment gains (losses), net | 0 | 5 | 1 | 6
Other income | 12 | 15 | 64 | 78
Total revenue | 347 | 357 | 1,071 | 1,066
Claims and surrenders | 0 | 0 | 0 | 0
Increase in future policy benefit reserves | 0 | 0 | 0 | 0
Policyholders' dividends | 0 | 0 | 0 | 0
Total insurance benefits paid or provided | 0 | 0 | 0 | 0
Commissions | 0 | 0 | 0 | 0
Other general expenses | 338 | 178 | 1,815 | 1,948
Capitalization of deferred policy acquisition costs | 0 | 0 | 0 | 0
Amortization of deferred policy acquisition costs | 0 | 0 | 0 | 0
Amortization of cost of customer relationships acquired | 0 | 0 | 0 | 0
Total benefits and expenses | 338 | 178 | 1,815 | 1,948
Income (loss) before income tax expense | $ 9 | $ 179 | $ (744) | $ (882)

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- Definition The adjustment that represents the periodic charge against earnings to reduce the value of business acquired (VOBA) over the expected life of the underlying insurance contracts. VOBA reflects the estimated fair value of a life insurance business in force and represents the portion of the cost to acquire the business that is allocated to the value of the right to receive future cash flows from insurance contracts existing at the date of acquisition. Such value is the present value of the actuarially determined projected cash flows for the acquired policies. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 20 -Section S99 -Paragraph 2 -Subparagraph (2) -URI http://asc.fasb.org/extlink&oid=27015749&loc=d3e569990-122904 + Details
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- Definition Amount of expense (income) recognized due to changes in the accrued obligation to policyholders that relates to insured events. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Financial Reporting Release (FRR) -Number 403 -Paragraph 04 -Subparagraph b Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6482485&loc=d3e14764-158437 + Details
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- Definition Amount, after investment expense, of income earned from investments in securities and real estate. Includes, but is not limited to, real estate investment, policy loans, dividends, and interest. Excludes realized gain (loss) on investments. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 16 -Article 12 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-04.2) -URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Paragraph 2 -Article 7 + Details
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- Definition Amount, after effects of policies assumed or ceded, of expense related to the provision for policy benefits and costs incurred. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-04.5) -URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Paragraph 5 -Article 7 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 20 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6480758&loc=d3e6811-158387 + Details
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