CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $) In Thousands, unless otherwise specified	3 Months Ended
Mar. 31, 2012	Mar. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 1,657	$ 469
Adjustments to reconcile net income to net cash used in operating activities:
Amortization of deferred acquisition costs	2,960	2,957
Acquisition costs deferred	(3,431)	(2,850)
Realized investment gains	(958)	(1)
Increase (decrease) in insurance reserves	2,688	(4,009)
Depreciation and amortization	112	93
Deferred income tax (benefit) expense	(33)	144
(Increase) decrease in receivables, net	(761)	753
Decrease in other liabilities	(2,937)	(160)
Other, net	(21)	57
Net cash used in operating activities	(724)	(2,547)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold, called or matured	16,864	19,575
Investments purchased	(18,808)	(26,596)
Additions to property and equipment	(72)	0
Net cash used in investing activities	(2,016)	(7,021)
CASH FLOWS FROM FINANCING ACTIVITIES:
Payment of dividends on Series D Preferred Stock	(508)	0
Purchase of shares for treasury	0	(9)
Net cash used in financing activities	(508)	(9)
Net decrease in cash and cash equivalents	(3,248)	(9,577)
Cash and cash equivalents at beginning of period	21,285	28,325
Cash and cash equivalents at end of period	18,037	18,748
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	659	641
Cash paid for income taxes	$ 0	$ 0

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Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).