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Consolidated Statements of Cash Flows - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Cash flows from operating activities:    
Net earnings $ 26,535,768 $ 14,495,058
Adjustments to reconcile net earnings to net cash used in operating activities:    
Gains on investments and other assets (1,941,898) (1,837,342)
Depreciation 8,172,446 8,641,080
Provision for credit losses 55,750 1,959,707
Net amortization of deferred fees and costs, premiums and discounts (1,992,153) (2,140,548)
Provision for deferred income taxes 311,971 (2,495,489)
Policy and pre-need acquisition costs deferred (21,343,031) (24,432,809)
Policy and pre-need acquisition costs amortized 15,032,413 16,724,336
Value of business acquired amortized 907,958 1,300,002
Mortgage servicing rights, additions (90,370) (1,009,312)
Amortization of mortgage servicing rights [1] 611,638 587,931
Stock based compensation expense 800,820 601,362
Benefit plans funded with treasury stock 1,220,564 2,210,719
Net change in fair value of loans held for sale (2,869,729) 478,460
Originations of loans held for sale (2,295,830,408) (2,173,080,584)
Proceeds from sales of loans held for sale 2,338,209,587 2,224,454,040
Net gains on sales of loans held for sale (45,383,321) (40,239,112)
Change in assets and liabilities:    
Land and improvements held for sale (1,430,941) (62,217)
Future policy benefits and unpaid claims 31,595,619 29,745,349
Other operating assets and liabilities 4,747,167 (2,025,510)
Net cash provided by operating activities 57,319,850 53,875,121
Cash flows from investing activities:    
Purchases of fixed maturity securities (85,235,694) (70,315,501)
Sales, calls and maturities of fixed maturity securities 101,038,735 42,966,901
Purchase of equity securities (3,098,448) (6,993,289)
Sales of equity securities 2,321,623 6,346,625
Purchases of restricted assets (6,039,118) (3,065,758)
Sales, calls and maturities of restricted assets 1,579,178 840,080
Purchases of cemetery perpetual care trust investments (4,615,717) (1,083,550)
Sales, calls and maturities of cemetery perpetual care trust investments 2,607,608 458,046
Mortgage loans held for investment, other investments and policy loans made (740,739,575) (645,581,141)
Payments received for mortgage loans held for investment, other investments and policy loans 707,194,046 682,267,677
Purchases of property and equipment (2,470,032) (1,109,937)
Sales of property and equipment 365,697
Purchases of real estate (52,348,798) (22,894,604)
Sales of real estate 36,306,431 32,772,520
Net cash provided by (used in) investing activities (43,134,064) 14,608,069
Cash flows from financing activities:    
Investment contract receipts 13,302,949 12,572,508
Investment contract withdrawals (15,631,260) (15,654,593)
Proceeds from stock options exercised 449,122 134,387
Purchase of treasury stock (3,053,506) (2,846,447)
Repayment of bank loans (1,929,346) (69,602,737)
Proceeds from bank loans 68,500,000
Net change in warehouse line borrowings for loans held for sale 2,855,476 (55,146,726)
Net cash used in financing activities (4,006,565) (62,043,608)
Net change in cash, cash equivalents, restricted cash and restricted  cash equivalents 10,179,221 6,439,582
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of year 139,923,399 133,483,817
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of year 150,102,620 139,923,399
Cash paid during the year for:    
Interest 4,196,139 5,136,747
Income taxes 8,227,642 20,406,598
Non Cash Investing and Financing Activities:    
Right-of-use assets obtained in exchange for operating lease liabilities 1,770,873 160,348
Loans held for sale foreclosed into real estate held for sale 858,977
Mortgage loans held for investment foreclosed into real estate held for sale 671,480
Loans held for sale foreclosed into receivables 382,936
Right-of-use assets obtained in exchange for finance lease liabilities 176,040 12,332
Transfer of loans held for sale to mortgage loans held for investment 3,017,626
Transfer from mortgage loans held for investment to restricted assets 1,625,961
Transfer from mortgage loans held for investment to cemetery perpetual care trust investments 1,611,550
Cash and cash equivalents 140,546,421 126,941,658
Restricted assets 8,553,803 10,114,694
Cemetery perpetual care trust investments $ 1,002,396 $ 2,867,047
[1] Included in other expenses on the consolidated statements of earnings