Citizens (CIA) 10-K 11 Mar 20 2019 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Mar. 04, 2020	Jun. 30, 2019
Entity Information [Line Items]
Entity Registrant Name	CITIZENS, INC.
Entity Central Index Key	0000024090
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Filer Category	Accelerated Filer
Entity Public Float			$ 357,975,962
Entity Interactive Data Current	Yes
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	false
Entity Shell Company	false
Document Period End Date	Dec. 31, 2019
Common Stock Class A [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		49,341,062
Common Stock Class B [Member]
Entity Information [Line Items]
Entity Common Stock, Shares Outstanding		1,001,714

Consolidated Statements of Fina

Consolidated Statements of Financial Position - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments:
Fixed maturities available-for-sale, at fair value (cost: $1,293,853 and $1,223,747 in 2019 and 2018, respectively)	$ 1,377,959	$ 1,231,039
Equity Securities, FV-NI	16,033	15,068
Policy loans	82,005	80,825
Real estate held for investment (less $1,284 accumulated depreciation in 2018, respectively)	0	5,718
Real estate held for sale (less $1,325 and $4,411 accumulated depreciation in 2019 and 2018, respectively)	2,571	1,483
Other long-term investments	385	208
Short-term investments	1,301	7,865
Total investments	1,480,254	1,342,206
Cash and cash equivalents	46,205	45,492
Accrued investment income	17,453	18,467
Reinsurance recoverable	3,696	3,664
Deferred policy acquisition costs	149,249	155,747
Cost of customer relationships acquired	13,455	15,225
Goodwill and other intangible assets	13,575	13,580
Property and equipment, net	5,904	5,943
Due premiums	12,656	13,325
Other assets	2,489	1,912
Total assets	1,744,936	1,615,561
Future policy benefits reserves:
Life insurance	1,218,757	1,179,946
Annuities	76,380	76,377
Accident and health	1,031	944
Dividend accumulations	29,211	26,250
Premiums paid in advance	43,102	48,553
Policy claims payable	8,059	7,614
Other policyholders' funds	18,192	10,760
Total policy liabilities	1,394,732	1,350,444
Commissions payable	2,514	1,901
Deferred federal income tax liability, net	12,428	5,709
Current federal income tax payable	44,622	41,281
Other liabilities	30,804	28,493
Total liabilities	1,485,100	1,427,828
Commitments and Contingencies
Stockholders' equity:
Accumulated deficit	(70,969)	(69,599)
Accumulated other comprehensive income:
Unrealized gains on securities, net of tax	77,117	5,366
Treasury stock, at cost	(11,011)	(11,011)
Total stockholders' equity	259,836	187,733
Total liabilities and stockholders' equity	1,744,936	1,615,561
Common Stock Class A [Member]
Stockholders' equity:
Common stock	261,515	259,793
Common Stock Class B [Member]
Stockholders' equity:
Common stock	$ 3,184	$ 3,184

Consolidated Statements of Fi_2

Consolidated Statements of Financial Position (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments:
Fixed maturities available-for-sale, cost	$ 1,293,853	$ 1,223,747
Real estate held for investment, accumulated depreciation	0	1,284
Real estate held for sale, accumulated depreciation	$ 1,325	$ 4,411
Common Stock Class A [Member]
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	52,364,993	52,215,852
Common stock, shares outstanding (in shares)	52,364,993	52,215,852
Common stock, shares in treasury (in shares)	3,135,738	3,135,738
Common Stock Class B [Member]
Stockholders' equity:
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	2,000,000	2,000,000
Common stock, shares issued (in shares)	1,001,714	1,001,714
Common stock, shares outstanding (in shares)	1,001,714	1,001,714

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Premiums:
Life insurance	$ 178,351	$ 181,825	$ 191,342
Accident and health insurance	1,383	1,218	1,392
Property insurance	4,613	4,817	4,986
Net investment income	59,531	54,205	53,146
Realized investment gains, net	5,249	108	518
Other income	1,418	1,833	1,243
Total revenue	250,545	244,006	252,627
Insurance benefits paid or provided:
claims and surrenders	106,827	91,103	82,905
Increase in future policy benefit reserves	41,712	47,947	76,029
Policyholders' dividends	6,040	6,362	6,268
Total insurance benefits paid or provided	154,579	145,412	165,202
Commissions	34,222	34,962	41,324
Other general expenses	48,440	47,632	46,388
Capitalized deferred policy acquisition costs	(22,255)	(22,695)	(29,120)
Amortization of deferred policy acquisition costs	28,268	34,235	29,690
Amortization of cost of customer relationships acquired	1,546	2,458	2,129
Total benefits and expenses	244,800	242,004	255,613
Income (loss) before federal income tax	5,745	2,002	(2,986)
Federal income tax expense (benefit)	7,115	13,064	35,141
Net income (loss)	(1,370)	(11,062)	(38,127)
Other Comprehensive Income (Loss) [Abstract]
Unrealized holding gains arising during period less Effects of DAC and CCRA, before tax	78,825		17,666
Unrealized holding losses arising during the period Less Effects of DAC and CCRA, Before Tax		(30,639)
Unrealized gains (losses) on available-for-sale securities:
Reclassification adjustments for losses included in net income	(1,927)	(953)	546
Unrealized gains (losses) arising during period, net	76,898	(31,592)	18,212
Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent	5,147	(6,464)	5,672
Other comprehensive income (loss)	71,751	(25,128)	12,540
Total comprehensive income (loss)	$ 70,381	$ (36,190)	$ (25,587)
Common Stock Class A [Member]
Earnings Per Share [Abstract]
Basic and diluted earnings (losses) per share (in dollars per share)	$ (0.03)	$ (0.22)	$ (0.77)
Common Stock Class B [Member]
Earnings Per Share [Abstract]
Basic and diluted earnings (losses) per share (in dollars per share)	$ (0.01)	$ (0.11)	$ (0.38)

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Accumulated deficit [Member]	Accumulated other comprehensive income (loss) [Member]	Treasury Stock [Member]	Common Class A [Member]Common Stock [Member]	Common Class B [Member]Common Stock [Member]
Balance at Dec. 31, 2016	$ 249,100	$ (16,248)	$ 13,792	$ (11,011)	$ 259,383	$ 3,184
Net income (loss)	(38,127)	(38,127)	0	0	0	0
Unrealized investment gains (losses), net	12,540	0	12,540	0	0	0
Total comprehensive income (loss)	(25,587)	(38,127)	12,540	0	0	0
Balance at Dec. 31, 2017	223,513	(54,375)	26,332	(11,011)	259,383	3,184
Net income (loss)	(11,062)	(11,062)	0	0	0	0
Unrealized investment gains (losses), net	(28,498)	0	(28,498)	0	0	0
Unrealized gain from held-to-maturity securities transferred to available-for-sale, net	3,370	0	3,370	0	0	0
Total comprehensive income (loss)	(36,190)	(11,062)	(25,128)	0	0	0
Stock Issued During Period, Value, Stock Options Exercised	410	0	0	0	410	0
Balance at Dec. 31, 2018	187,733	(69,599)	5,366	(11,011)	259,793	3,184
Net income (loss)	(1,370)	(1,370)	0	0	0	0
Unrealized investment gains (losses), net	71,751	0	71,751	0	0	0
Total comprehensive income (loss)	70,381	(1,370)	71,751	0	0	0
Stock Issued During Period, Value, Stock Options Exercised	1,722	0	0	0	1,722	0
Balance at Dec. 31, 2019	$ 259,836	$ (70,969)	$ 77,117	$ (11,011)	$ 261,515	$ 3,184

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income (loss)	$ (1,370)	$ (11,062)	$ (38,127)
Adjustments to reconcile net income to net cash provided by operating activities:
Realized gains on sale of investments and other assets	(5,249)	(108)	(518)
Increase (Decrease) in Deferred Policy Acquisition Costs	(6,013)	(11,540)	(570)
Amortization of cost of customer relationships acquired	1,546	2,458	2,129
Depreciation	1,677	1,451	1,065
Amortization of premiums and discounts on investments	12,859	16,998	16,606
Allocated Share-Based Compensation Expense, Gross	2,099	410	0
Deferred federal income tax expense (benefit)	1,573	62,633	20,687
Write-off of goodwill	0	0	4,631
Change in:
Accrued investment income	1,014	595	(1,159)
Reinsurance recoverable	(32)	51	147
Due premiums	669	(560)	87
Future policy benefit reserves	41,479	48,496	75,920
Other policyholders' liabilities	5,387	940	5,860
Federal income tax receivable	3,341	(52,079)	11,808
Commissions payable and other liabilities	2,924	3,609	(6,753)
Other, net	(1,707)	(752)	59
Net cash provided by operating activities	72,223	84,620	93,012
Cash flows from investing activities:
Sale of fixed maturities, available-for-sale	66,900	38,823	1,077
Maturities and calls of fixed maturities, available-for-sale	181,618	65,906	74,902
Maturities and calls of fixed maturities, held-to-maturity	0	20,699	9,095
Purchase of fixed maturities, available-for-sale	(329,627)	(195,001)	(167,699)
Proceeds from sale of equity securities	0	(9)
Sale of equity securities			2,390
Proceeds from Collection of Loans Receivable	9	9	37
Increase in policy loans, net	(1,180)	(7,090)	(7,063)
Sale of other long-term investments	6,983	14	3,041
Purchase of other long-term investments and real estate	(187)	0	0
Purchase of property and equipment	(511)	(724)	(1,326)
Sale of property and equipment	16	89	41
Maturity of short-term investments	9,090	0	500
Purchase of short-term investments	(2,456)	(7,850)	0
Net cash used in investing activities	(69,345)	(85,134)	(85,005)
Cash flows from financing activities:
Annuity deposits	6,717	7,265	9,346
Annuity withdrawals	(8,505)	(7,323)	(6,799)
Proceeds from (Payments for) Other Financing Activities	(377)	0	0
Net cash provided by financing activities	(2,165)	(58)	2,547
Net increase (decrease) in cash and cash equivalents	713	(572)	10,554
Cash and cash equivalents at beginning of year	45,492	46,064	35,510
Cash and cash equivalents at end of year	46,205	45,492	46,064
Cash paid during the year for income taxes	$ 2,200	$ 2,510	$ 2,675

Consolidated Statements of Ca_2

Consolidated Statements of Cash Flows Supplemental Noncash Investing Activities - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Additional Cash Flow Elements and Supplemental Cash Flow Information [Abstract]
Noncash or Part Noncash Acquisition, Investments Acquired	$ 16.8	$ 2.5	$ 4.8

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Summary of Significant Accounting Policies	BASIS OF PRESENTATION AND CONSOLIDATION The accompanying consolidated financial statements of Citizens, Inc. and its wholly-owned subsidiaries have been prepared in conformity with U.S. generally accepted accounting principles ("U.S. GAAP"). The consolidated financial statements include the accounts and operations of Citizens, Inc. ("Citizens"), a Colorado corporation, and its wholly-owned subsidiaries, CICA Life Insurance Company of America ("CICA"), CICA Life Ltd. ("CICA Ltd."), Citizens National Life Insurance Company ("CNLIC"), Security Plan Life Insurance Company ("SPLIC"), Security Plan Fire Insurance Company ("SPFIC"), Magnolia Guaranty Life Insurance Company ("MGLIC"), and Computing Technology, Inc. ("CTI"). All significant inter-company accounts and transactions have been eliminated. Citizens and its wholly-owned subsidiaries are collectively referred to as "the Company," "we," or "our." Our Life Insurance segment operates through CICA Ltd., CICA and CNLIC. CICA Ltd. issues U.S. Dollar-denominated endowment contracts internationally, which are principally accumulation contracts that incorporate an element of life insurance protection and ordinary whole life insurance in U.S. Dollar-denominated amounts sold to foreign residents. These contracts are designed to provide a fixed amount of insurance coverage over the life of the insured and may utilize rider benefits to provide additional increasing or decreasing coverage and annuity benefits to enhance accumulations. Our domestic life insurance business, which operates through CICA and CNLIC, primarily focused on living needs and provided benefits toward accumulating financial benefits for the policyowners throughout the Midwest and southern U.S. until they ceased most domestic sales beginning January 1, 2017. Our Home Service Insurance segment operates through our subsidiaries SPLIC, MGLIC and SPFIC, and focuses on the life insurance needs of the middle and lower income markets, primarily in Louisiana, Mississippi and Arkansas. Our products in this segment consist primarily of small face amount ordinary whole life and pre-need policies, which are designed to fund final expenses for the insured, primarily consisting of funeral and burial costs as well as limited liability, named peril property policies covering dwelling and contents. SIGNIFICANT ACCOUNTING POLICIES INVESTMENTS Investment securities are classified as held-to-maturity, available-for-sale or trading. Management determines the appropriate classification at the time of purchase. The classification of securities is significant since it directly impacts the accounting for unrealized gains and losses on securities. Fixed maturity securities are classified as held-to-maturity and carried at amortized cost when management has the positive intent and the Company has the ability to hold the securities to maturity. Securities not classified as held-to-maturity are classified as available-for-sale and are carried at fair value, with the unrealized holding gains and losses, net of tax, reported in other comprehensive income and are not reported in earnings until realized. Fixed maturities consist primarily of bonds classified as available-for-sale or held-to-maturity. The Company does not classify any fixed maturities as trading and beginning September 30, 2018, the Company no longer classifies any fixed maturities as held-to-maturity. Equity securities are measured at fair value beginning January 1, 2018, with the change in fair value recorded through net income. Prior to 2018, changes in equity security fair values were a component of accumulated other comprehensive income. Unrealized gains (losses) of fixed maturities held as available-for-sale is shown as a separate component of stockholders' equity, net of tax, and is a separate component of comprehensive income. The Company evaluates all securities on a quarterly basis, and more frequently when economic conditions warrant additional evaluations, in determining if an other-than-temporary impairment ("OTTI") exists pursuant to the accounting guidelines. In evaluating the possible impairment of securities, consideration is given to the length of time and the extent to which the fair value has been less than amortized cost, the financial conditions and near-term prospects of the issuer, and the ability and intent of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, the Company may consider whether the securities are issued by the Federal government or its agencies, by government-sponsored agencies, or whether downgrades by bond rating agencies have occurred, and reviews of the issuer’s financial condition. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to yield using the effective interest method. Dividend and interest income is recognized when earned. Realized gains and losses are included in earnings and are derived using the specific identification method for determining the cost of securities sold. If management determines that an investment experienced an OTTI, management must then determine the amount of OTTI to be recognized in earnings. If management does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis less any current period loss, the OTTI will be separated into the amount representing the credit loss and the amount related to all other factors. The amount of OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of OTTI related to other factors will be recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings will become the new amortized cost basis of the investment. If management intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current period credit loss, the OTTI will be recognized in earnings equal to the entire difference between the investment's amortized cost basis and its fair value at the consolidated financial statement date. Any recoveries related to the value of these securities are recorded as an unrealized gain (as other comprehensive income (loss) in stockholders' equity) and not recognized in income until the security is ultimately sold. The Company from time to time may dispose of an impaired security in response to asset/liability management decisions, future market movements, business plan changes, or if the net proceeds can be reinvested at a rate of return that is expected to recover the loss within a reasonable period of time. Policy loans are reported at unpaid principal balances. Real estate held for investment consists primarily of land and buildings that are recorded at depreciated cost. If the fair value of the real estate is less than the carrying value, an impairment loss is recognized and charged to earnings. Real estate held for sale at December 31, 2019 consisted of the Citizens Academy training facility located near Austin, Texas and at December 31, 2018 consisted of the Company's previous home office location which was sold during 2019. Other long-term investments consists primarily of Federal Home Loan Bank ("FHLB") common stock and mortgage loans. Mortgage loans on real estate are reported at unpaid principal balances. The Company had cash equivalents and fixed maturities with an aggregate fair value of $9.6 million and $9.5 million at December 31, 2019 and 2018 , respectively, on deposit with various state regulatory authorities to fulfill statutory requirements. CASH EQUIVALENTS The Company considers cash equivalents as all securities whose duration does not exceed 90 days at the date of acquisition. SHORT-TERM INVESTMENTS The Company considers investments maturing within one year at acquisition as short-term. These securities are carried at fair value. REINSURANCE RECOVERABLE Reinsurance recoverable includes expected reimbursements for policyholder claim amounts in excess of the Company's retention, as well as profit sharing and experience refund accruals. Reinsurance recoverable is reduced for estimated uncollectible amounts, if any. Reinsurance premiums, benefits and expenses are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. The cost of reinsurance related to long duration contracts is accounted for over the life of the underlying reinsured policies using assumptions consistent with those used to account for the underlying policies. The cost of reinsurance related to short duration contracts is accounted for over the coverage period. Profit-sharing and similar adjustable provisions are accrued based on the experience of the underlying policies. DEFERRED POLICY ACQUISITION COSTS Acquisition costs, consisting of commissions and policy issuance, underwriting and agent convention expenses that are directly related to and vary with the successful production of new business are deferred. These deferred amounts, referred to as deferred policy acquisition costs ("DAC"), are recorded as an asset on the consolidated balance sheets and amortized to income in a systematic manner, based on related contract revenues or gross profits as appropriate. Traditional life insurance and accident and health insurance acquisition costs are amortized over the premium-paying period of the related policies using assumptions consistent with those used in computing future policy benefit liabilities. For universal life type contracts and investment contracts that include significant surrender charges or that yield significant revenues from sources other than the investment contract holders' funds, the deferred contract acquisition cost amortization is matched to the recognition of gross profit. The effect on the DAC asset that would result from realization of unrealized gains or losses is recognized with an offset to accumulated other comprehensive income in consolidated stockholders' equity. If an internal replacement of insurance or investment contract modification substantially changes a contract as defined in current accounting guidance, then the DAC is written off immediately through income and any new deferrable costs associated with the new replacement are deferred. If a contract modification does not substantially change the contract, the DAC amortization on the original contract will continue and any acquisition costs associated with the related modification are immediately expensed. The ending DAC asset balance is calculated at a seriatim level for policies in force at the end of each reporting period based on the remaining unamortized asset. The assumptions used to calculate DAC are set when a policy is issued and do not change with changes in actual experience, unless a loss recognition event occurs. The seriatim method ensures that policies lapsed or surrendered during the reporting period are no longer included in the DAC calculation. This method limits the amount of deferred costs to its estimated realizable value, provided actual experience is comparable to that contemplated in the locked-in assumptions. Inherent in the capitalization and amortization of DAC are certain management judgments about what acquisition costs are deferred, the ending asset balance and the annual amortization. Approximately 93.6% of our capitalized DAC are attributed to first year and renewal excess commissions. The remaining 6.4% are attributed to costs that vary with and are directly related to the successful acquisition of new insurance business. Those costs generally include costs related to the production, underwriting and issuance of new business. DAC is subject to recoverability testing at the time of policy issuance and loss recognition testing on an annual basis, or when an event occurs that might require loss recognition testing. If loss recognition or impairment is necessary, DAC would be written off to the extent that anticipated future premiums and investment income is insufficient to cover expected future policy benefits and expenses. Loss recognition testing that considers, among other things, actual experience and projected future experience calculates the available premium (gross premium less the benefit and expense portion of premium) for the next 50 years. DAC is evaluated for recoverability using best estimate assumptions. Based on the results of DAC recoverability testing and loss recognition testing, management believes that our DAC as of the years ended December 31, 2019 and 2018 limits the amount of deferred costs to its estimated recoverable value. The components of DAC from year to year are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at beginning of period $ 155,747 167,063 167,790 Capitalization of deferred policy acquisition costs 22,255 22,695 29,120 Amortization of deferred policy acquisition costs (28,268 ) (34,235 ) (29,690 ) Effects of unrealized (gains) losses (485 ) 224 (157 ) Balance at end of period $ 149,249 155,747 167,063 We converted to a new actuarial valuation software solution that provided enhanced modeling capabilities for the ordinary whole life policies of SPLIC as of July 1, 2019 and the ordinary whole life and endowment policies of CICA and CICA Ltd. as of July 1, 2018. The total impact of these system conversions, which impacted both the Home Service Insurance and Life Insurance segments, reflect changes in actuarial valuation estimates associated with the conversion. The impact is reflected in the accompanying consolidated financial statements and summarized in the table below. (In thousands) 2019 2018 Increase (Decrease) Consolidated Balance Sheets DAC $ (1,396 ) (4,339 ) Future policy benefit reserves: Life insurance (2,299 ) (10,197 ) Consolidated Statements of Operations and Comprehensive Income (Loss) Decrease in future policy benefit reserves (2,299 ) (10,197 ) Amortization of deferred policy acquisition costs 1,396 4,339 Income before federal income tax 903 5,858 Federal income tax expense 190 1,230 Net income $ 713 4,628 COST OF INSURANCE ACQUIRED Cost of insurance acquired ("COIA") is established when we purchase a block of insurance. COIA is amortized over the emerging profit of the related policies using the same assumptions as were used in computing liabilities for future policy benefits. Inherent in the amortization of COIA are certain management judgments used in the estimation of the ending asset balance and the annual amortization. The key assumptions used in management's estimates are based upon interest, mortality and lapses at the time of purchase. A recoverability test that considers, among other things, actual experience and projected future experience is performed at least annually. These annual recoverability tests are based initially on an estimate of the available premium (gross premium less the benefit and expense portion of premium) for the next 50 years. Management believes that our COIA is recoverable for the years ended December 31, 2019 and 2018 . This belief is based upon the analysis performed on estimated future results of the block and our annual recoverability testing. COIA relative to purchased blocks of insurance is summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at beginning of period $ 15,225 17,499 19,415 Amortization (1,546 ) (2,458 ) (2,129 ) Change in effects of unrealized (gains) losses on COIA (224 ) 184 213 Balance at end of period $ 13,455 15,225 17,499 Estimated amortization of COIA in each of the next five years and thereafter is as follows. Actual future amortization will differ from these estimates due to variances from estimated future withdrawal assumptions. (In thousands) Amount Cost of Insurance Acquired: Year: 2020 $ 1,237 2021 1,112 2022 1,003 2023 908 2024 822 Thereafter 8,759 13,841 Effects of unrealized (gains) losses on COIA (386 ) Total cost of insurance acquired $ 13,455 The value of COIA resulting from our various acquisitions was determined based on the present value of future profits discounted at annual rates ranging from 3.7% to 8.5% . GOODWILL AND OTHER INTANGIBLE ASSETS Goodwill is the difference between the purchase price in a business combination and the fair value of assets and liabilities acquired and is not amortized. Other intangible assets include various state insurance licenses, which have been determined to have indefinite useful lives and, therefore, are not amortized. Both goodwill and other intangible assets with indefinite useful lives are subject to annual impairment analysis. Goodwill is tested for impairment on an annual basis or more frequently if indicators of potential impairment exist. The goodwill testing requires us to compare the estimated fair value of a reporting unit to its carrying value. If the carrying value of the reporting unit is lower than its estimated fair value, no further evaluation is required. If the carrying value of the reporting unit exceeds its estimated fair value, an impairment charge is recorded for that excess, limited to the total amount of goodwill allocated to that reporting unit. We have the option of performing an assessment of certain qualitative factors to determine if it is more likely than not that the fair value of a reporting unit is less than its carrying value or proceeding directly to a quantitative impairment test. We elected to apply the quantitative assessment for the goodwill in our reporting units within each of our operating segments as of December 31, 2019 and 2017 . We assessed the assumptions used in the 2017 goodwill analysis considering then current circumstances and completed a qualitative review in 2018 . Management’s determination of the fair value of each reporting unit under the accounting guidance incorporates multiple inputs including discounted cash flow calculations based on assumptions that market participants would make in valuing the reporting unit. Other assumptions can include levels of economic capital, future business growth, and earnings projections. As of December 31, 2019 , the Company had $12.6 million of goodwill allocated to the Life Insurance segment. In 2017, we recorded an impairment of $4.6 million in our Home Service Insurance segment. There was no impairment of goodwill in 2019 and 2018 related to our segments. Goodwill is summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Life Insurance Segment: Balance at January 1, $ 12,624 12,624 12,624 Impairment — — — Balance at December 31, $ 12,624 12,624 12,624 Home Service Insurance Segment: Balance at January 1, $ — — 4,631 Impairment — — 4,631 Balance at December 31, $ — — — Total Segments: Balance at January 1, $ 12,624 12,624 17,255 Impairment — — 4,631 Balance at December 31, $ 12,624 12,624 12,624 PROPERTY AND EQUIPMENT Property and equipment are carried at cost less accumulated depreciation. Depreciation of property and equipment is computed using the straight-line method over the useful lives of the assets, ranging from three to thirty years. The following is a summary of property and equipment. December 31, (In thousands) 2019 2018 Property and equipment: Home office, land and buildings $ 4,136 4,136 Furniture and equipment 881 963 Electronic data processing equipment and computer software 8,215 7,710 Automobiles 91 91 Real estate and equipment leases (See Note 7) 1,136 — Total property and equipment 14,459 12,900 Accumulated depreciation (8,555 ) (6,957 ) Total property and equipment $ 5,904 5,943 FUTURE POLICY BENEFITS AND EXPENSES Future policy benefit reserves for traditional life insurance are established based on methods and underlying assumptions in accordance with U.S. GAAP and applicable actuarial standards. Assumptions as to investment yields, expenses, mortality and lapses are based upon our experience, modified as necessary to reflect anticipated trends and to include provisions for possible adverse deviations. The accrued account balance for non-traditional life insurance and investment contracts is computed as deposits net of withdrawals made by the contract holder, plus amounts credited based on contract specifications, less contract fees and charges assessed, plus any additional interest. Annuity interest crediting rates range from 2.5% to 5.5% annually. Benefits and expenses are charged against the account balance to recognize costs as incurred over the estimated lives of the contracts. Expenses include interest credited to contract account balances and benefits paid in excess of contract account balances. Unpaid claims on accident and health and specialty property insurance policies represent the estimated liability for benefit expenses, both reported but not paid and incurred but not reported to the Company. The liability for incurred but not reported claims includes estimates for additional claim amounts due related to reported claims. Liabilities for unpaid claims are estimated using individual case basis valuations and statistical analysis. Those estimates are subject to the effects of trends in claim severity and frequency. Anticipated investment income is not considered in determining whether a premium deficiency exists with respect to short-duration contracts. Premium deposits accrue interest at rates ranging from 2.5% to 6.0% per annum. The cost of insurance is included in the premium when collected and interest is credited annually to deposit accounts. The development of liabilities for future policy benefits requires management to make estimates and assumptions regarding mortality, persistency, expense, and investment experience based on historical experience and future expectations of those assumptions. Actual results could differ materially from estimates. An additional provision is made on most products to allow for possible adverse deviation from the assumptions assumed. We monitor actual experience and revise assumptions as necessary. PARTICIPATING POLICIES At December 31, 2019 and 2018 , participating business approximated 62.2% and 62.5% of direct life insurance in force, respectively. Future policy benefits on participating policies are estimated based on net level premium reserves for death and endowment policy benefits with interest rates ranging from 3.2% to 9.0% , and the cash surrender values described in such contracts. The scaling rate used for the 2019 portfolio ranged between 3.59% for 1 year and then going up to 4.18% over 20 years and remaining there for the duration. Earnings and dividends on participating policies are allocated based on policies in force. Policyholder dividends are determined based on the discretion of the Board of the policy issuing subsidiary. Policyholder dividends are accrued over the premium paying periods of the insurance contract. CONTINGENCIES An estimated loss from a contingency is accrued and charged to results of operations only if both of the following conditions are met: 1. Information available prior to the issuance of the consolidated financial statements indicates that it is probable (virtual certainty is not required) that an asset has been impaired or a liability incurred as of the date of the consolidated financial statements; and 2. The amount of the loss can be reasonably estimated. Reasonable estimation of a possible loss does not require estimating a single amount of the loss. It requires that a loss be accrued if it can be estimated within a range. If an amount within the range is a better estimate than any other amount within the range, that amount is accrued. If no amount within the range is a better estimate than any other amount, the minimum amount in the range is accrued. A gain contingency is an uncertain situation that will be resolved in the future, possibly resulting in a gain. We do not allow the recognition of a gain contingency prior to settlement of the underlying event. If we were to have a material gain contingency, we would disclose it in the notes to the consolidated financial statements. PREMIUM REVENUE AND RELATED EXPENSES Premiums on life policies are recognized as earned when due. Premiums paid in advance on the consolidated balance sheets are held on deposit and accrue interest at rates ranging from 2.5% to 6.0% until such time as the premiums become due. Premiums on accident and health policies are recognized as revenue over the contract period on a pro rata basis. Benefits and expenses are associated with earned premiums so as to result in the recognition of profits over the estimated lives of the contracts. This matching is accomplished by means of a provision for future policy benefits and the capitalization and amortization of deferred policy acquisition costs. Annuity policies, primarily flexible premium fixed annuity products, are accounted for in a manner consistent with accounting for interest bearing financial instruments. Premium receipts are not reported as revenue, rather as deposit liabilities to annuity contracts. The annuity products issued do not include fees or other such charges. INCOME TAXES Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered. A deferred tax asset is recorded only if a determination is made that it is more-likely-than-not that the tax treatment on which the deferred tax asset depends will be sustained in the event of an audit. These determinations inherently involve management's judgment. In addition, the Company must record a tax valuation allowance with respect to deferred tax assets if it is more-likely-than-not that the tax benefit will not be realized. EARNINGS PER SHARE Basic earnings per share are computed by dividing income available to common stockholders by the weighted average number of shares of common stock outstanding during each period. Diluted earnings per share are computed under the if-converted method for convertible securities and the treasury stock method for warrants, giving effect to all potential dilutive common stock, including options, warrants and convertible/redeemable preferred stock. The basic and diluted earnings per share of Class B common stock are one half the earnings per share of the Class A common stock. USE OF ESTIMATES The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ materially from these estimates. RECLASSIFICATIONS Certain amounts presented in prior years have been reclassified to conform to the current presentation. No individual amounts were material. ACCOUNTING PRONOUNCEMENTS ACCOUNTING STANDARDS RECENTLY ADOPTED In January 2016, the Financial Accounting Standards Board ("FASB") released Accounting Standards Update ("ASU") No. 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities . This ASU requires equity investments, except those accounted for under the equity method of accounting, that have readily determinable fair values to be measured at fair value with any changes in fair value recognized in net income. Equity securities that do not have readily determinable fair values may be measured at estimated fair value or cost less impairment, if any, adjusted for subsequent observable price changes, with changes in the carrying value recognized in net income. A qualitative assessment for impairment is required for equity investments without readily determinable fair values. The updated guidance also eliminates the requirement to disclose the method and significant assumptions used to estimate the fair value of financial instruments measured at amortized cost on the consolidated financial statements. The Company adopted the updated guidance effective January 1, 2018. The adoption of this guidance resulted in the recognition of $0.6 million of net after-tax unrealized gains on equity investments as a cumulative effect adjustment that decreased retained deficit as of January 1, 2018 and decreased AOCI by the same amount. The Company elected to report changes in the fair value of equity investments in realized investment gains (losses), net. At December 31, 2017, equity investments were classified as available-for-sale on the Company's consolidated financial statements. However, upon adoption, the updated guidance eliminated the available-for-sale consolidated financial statement classification for equity investments. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . This ASU requires organizations that lease assets, referred to as "lessees," to recognize on the consolidated balance sheets the rights and obligations created by those leases. The ASU also requires disclosures to help investors and other financial statement users better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the consolidated financial statements. The ASU on leases became effective for public companies for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company has several lease agreements, such as its corporate home office and several district office locations related to our Home Service Insurance segment. The Company adopted this standard effective January 1, 2019 and recognizes these lease agreements on the consolidated balance sheets as a right-of-use asset and a corresponding lease liability. The adoption of this ASU did not have a material impact on our consolidated financial statements. See Note 7. Commitments and Contingencies for further discussion. In March 2017, the FASB issued ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this ASU shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The Company has a large portfolio of callable debt securities purchased at a premium. As such, the Company had already been amortizing the premium to the earliest call date (yield to worst), thus adoption of this guidance as of January 1, 2019 did not have a material impact on our consolidated financial statements. For public business entities, the amendments in this ASU were effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. In February 2018, the FASB issued ASU No. 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income . This ASU allows a reclassification from accumulated other comprehensive income ("AOCI") to retained earnings of the stranded tax effects that occurred due to the enactment of the Tax Cuts and Jobs Act of 2017 (the "Tax Act"). The updated guidance was effective for reporting periods beginning after December 15, 2018 and is to be applied retrospectively to each period in which there are items impacted by the Tax Act remaining in AOCI or at the beginning of the period of adoption. The Company adopted the updated guidance effective January 1, 2018 and elected to reclassify the income tax effects of the Tax Act from AOCI to accumulated deficit as of January 1, 2018. This reclassification resulted in an increase in accumulated deficit of $4.7 million as of January 1, 2018 and an increase in AOCI by the same amount. The Company’s accounting policy for the release of stranded tax effects in AOCI is on an aggregate portfolio basis. In June 2018, the FASB issued ASU No. 2018-07, Compensation-Stock Compensation (Topic 718), Improvements to Nonemployee Share-Based Payment Accounting. This ASU is intended t

Investments (Notes)

Investments (Notes)	12 Months Ended
	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	The Company invests primarily in fixed maturity securities, which totaled 90.2% of total cash, cash equivalents and investments at December 31, 2019 . Carrying Value as of December 31, (In thousands, except for %) 2019 % 2018 % Cash, Cash Equivalents and Investments: Fixed maturity securities $ 1,377,959 90.2 $ 1,231,039 88.7 Equity securities 16,033 1.1 15,068 1.1 Policy loans 82,005 5.4 80,825 5.8 Real estate and other long-term investments 2,956 0.2 7,409 0.5 Short-term investments 1,301 0.1 7,865 0.6 Cash and cash equivalents 46,205 3.0 45,492 3.3 Total cash, cash equivalents and investments $ 1,526,459 100.0 $ 1,387,698 100.0 We are a member of the Federal Home Loan Bank (“FHLB”) of Dallas and such membership requires members to own stock in the FHLB. Our FHLB stock is carried at amortized cost, which approximates fair value and is included in other long-term investments. The amortized cost, gross unrealized gains and losses and fair value of investments in fixed maturities as of December 31, 2019 and 2018 are as follows. December 31, 2019 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Fixed Maturities: Available-for-sale securities: U.S. Treasury securities $ 9,709 1,638 — 11,347 U.S. Government-sponsored enterprises 3,516 1,015 — 4,531 States and political subdivisions 512,239 24,285 240 536,284 Corporate 604,750 46,472 1,134 650,088 Commercial mortgage-backed 1,105 — 5 1,100 Residential mortgage-backed 118,130 12,223 66 130,287 Asset-backed 44,302 11 110 44,203 Foreign governments 102 17 — 119 Total fixed maturity securities $ 1,293,853 85,661 1,555 1,377,959 We reclassified all of our fixed maturity holdings that were previously classified as held-to-maturity to available-for-sale based upon our intent and investment strategy as of September 30, 2018. The net carrying value of the fixed maturities held-to-maturity reclassified as available-for-sale amounted to $209.7 million . December 31, 2018 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Fixed Maturities: Available-for-sale securities: U.S. Treasury securities $ 9,864 1,410 — 11,274 U.S. Government-sponsored enterprises 3,540 740 — 4,280 States and political subdivisions 713,991 7,614 1,490 720,115 Corporate 384,817 6,725 9,746 381,796 Commercial mortgage-backed 39,694 386 66 40,014 Residential mortgage-backed 66,960 1,726 2 68,684 Asset-backed 4,764 1 8 4,757 Foreign governments 117 2 — 119 Total fixed maturity securities $ 1,223,747 18,604 11,312 1,231,039 Most of the Company's equity securities are diversified stock and bond mutual funds. Fair Value as of December 31, (In thousands) 2019 2018 Equity Securities: Stock mutual funds $ 3,274 2,906 Bond mutual funds 12,311 11,774 Common stock 134 94 Non-redeemable preferred stock 314 294 Total equity securities $ 16,033 15,068 For fixed maturity security investments that have unrealized losses as of December 31, 2019 , the gross unrealized losses that have been in a continuous unrealized loss position for less than 12 months, gross unrealized losses that have been in a continuous unrealized loss position for 12 months or longer and fair value are as follows. December 31, 2019 Less than 12 months Greater than 12 months Total (In thousands, except for # of securities) Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fixed Maturities: Available-for-sale securities: States and political subdivisions $ 24,064 163 24 1,961 77 6 26,025 240 30 Corporate 62,897 918 69 3,669 216 5 66,566 1,134 74 Commercial mortgage-backed 1,100 5 2 — — — 1,100 5 2 Residential mortgage-backed 1,656 65 11 91 1 3 1,747 66 14 Asset-backed 36,039 110 27 — — — 36,039 110 27 Total fixed maturity securities $ 125,756 1,261 133 5,721 294 14 131,477 1,555 147 The Company does not consider securities to be other-than-temporarily impaired when the market decline is attributable to factors such as market volatility, liquidity, spread widening and credit quality when it is anticipated that a recovery of all amounts due under the contractual terms of the security will occur. Based on our evaluation of the credit worthiness of the issuers and because we do not intend to sell the investments, nor is it likely that we would be required to sell these investments before recovery of their amortized cost bases, which may be maturity, none of the unrealized losses are considered to be other-than-temporary. We monitor all debt securities on an on-going basis relative to changes in credit ratings, market prices, earnings trends and financial performance, in addition to specific region or industry reviews. The assessment of whether OTTI has occurred is based on a case-by-case evaluation of underlying reasons for the decline in fair value. The Company determines OTTI by reviewing relevant evidence related to the specific security issuer as well as our intent to sell the security, or if it is more likely than not that we would be required to sell a security before recovery of its amortized cost. All securities with a market price below par were segregated and reviewed as of December 31, 2019 based upon the items above for impairment. For fixed maturity investments that have unrealized losses as of December 31, 2018 , the gross unrealized losses that have been in a continuous unrealized loss position for less than 12 months, gross unrealized losses that have been in a continuous unrealized loss position for 12 months or longer and fair value are as follows. December 31, 2018 Less than 12 months Greater than 12 months Total (In thousands, except for # of securities) Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fixed Maturities: Available-for-sale securities: States and political subdivisions $ 227,132 883 233 33,891 607 46 261,023 1,490 279 Corporate 230,030 8,770 191 9,936 976 8 239,966 9,746 199 Commercial mortgage-backed 14,992 66 11 — — — 14,992 66 11 Residential mortgage-backed 18 — 3 98 2 4 116 2 7 Asset-backed 3,747 8 4 — — — 3,747 8 4 Total fixed maturity securities $ 475,919 9,727 442 43,925 1,585 58 519,844 11,312 500 The amortized cost and fair value of fixed maturities at December 31, 2019 by contractual maturity are shown in the table below. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date have been reflected based upon the final stated maturity. (In thousands) Amortized Cost Fair Value Fixed maturities: Due in one year or less $ 122,544 123,391 Due after one year through five years 106,106 111,107 Due after five years through ten years 215,718 230,069 Due after ten years 849,485 913,392 Total fixed maturities $ 1,293,853 1,377,959 The Company had no investments in any one entity which exceeded 10% of stockholders' equity at December 31, 2019 or 2018 . In addition, there were no investments that were non-income producing for the years ended December 31, 2019 or 2018 . Major categories of net investment income are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Gross investment income: Fixed maturities $ 53,860 49,126 48,164 Equity securities 662 722 708 Policy loans 6,451 6,210 5,735 Other long-term investments 13 15 87 Other 374 409 68 Total investment income 61,360 56,482 54,762 Investment expenses (1,829 ) (2,277 ) (1,616 ) Net investment income $ 59,531 54,205 53,146 Proceeds and gross realized gains and losses from sales of available-for-sale fixed maturity securities for 2019 , 2018 and 2017 are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Proceeds $ 66,900 38,823 1,077 Gross realized gains $ 2,538 1,301 19 Gross realized losses $ 973 653 16 We sold 68 and 41 fixed maturity securities from our available-for-sale portfolio in 2019 and 2018 , respectively, as part of a repositioning strategy recommended by our asset manager. There were no securities sold from the held-to-maturity portfolio in 2018 or 2017 . Proceeds and gross realized gains and losses from sales of equity securities for 2019 , 2018 and 2017 are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Proceeds $ — — 1,940 Gross realized gains $ — — — Gross realized losses $ — — 30 Realized investment gains (losses) are as follows: Years ended December 31, (In thousands) 2019 2018 2017 Realized investment gains (losses): Sales, calls and maturities: Fixed maturities $ 1,927 1,792 (506 ) Equity securities — — 121 Real estate 5,513 — 1,110 Property and equipment (48 ) (80 ) — Realized investment gains 7,392 1,712 725 Change in fair value of equity securities 962 (828 ) — Other-than-temporary impairments ("OTTI") Fixed maturities — (776 ) — Equity securities — — (207 ) Real estate held for sale (3,105 ) — — Realized loss on OTTI (3,105 ) (776 ) (207 ) Net realized investment gains (losses) $ 5,249 108 518 During 2019, the Company sold its former corporate office in Austin, Texas for a gross sale price of $7.5 million , resulting in a gain on the sale of $5.5 million . The building was owned by CICA and was in our Life Insurance segment. An impairment loss of $3.1 million was recorded in 2019 in our Other Non-Insurance Enterprises segment in connection with reclassifying our Citizens Academy training facility located near Austin, Texas as real estate held for sale. This facility is no longer being used by the Company and is being actively marketed for sale. During 2017, the Company sold its Markham building in Little Rock, Arkansas for a gross sales price of $3.25 million , resulting in a gain on sale of $1.1 million in our Home Service Insurance segment.

Fair Value Measurements (Notes)

Fair Value Measurements (Notes)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. We hold available-for-sale fixed maturity securities, which are carried at fair value. We also report our equity securities at fair value with changes reported through the consolidated statements of operations and comprehensive income (loss). Fair value measurements are generally based upon observable and unobservable inputs. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect our view of market assumptions in the absence of observable market information. We utilize valuation techniques that maximize the use of observable inputs and minimize the use of unobservable inputs. All assets and liabilities carried at fair value are required to be classified and disclosed in one of the following three categories: • Level 1 - Quoted prices for identical instruments in active markets. • Level 2 - Quoted prices for similar instruments in active markets; quoted prices for identical or similar instruments in markets that are not active and model-derived valuations whose inputs or whose significant value drivers are observable. • Level 3 - Instruments whose significant value drivers are unobservable. Level 1 primarily consists of financial instruments whose value is based on quoted market prices such as U.S. Treasury securities and actively traded mutual fund and stock investments. Level 2 includes those financial instruments that are valued by independent pricing services or broker quotes. These models are primarily industry-standard models that consider various inputs, such as interest rates, credit spreads and foreign exchange rates for the underlying financial instruments. All significant inputs are observable, or derived from observable information in the marketplace or are supported by observable levels at which transactions are executed in the marketplace. Financial instruments in this category primarily include corporate securities, U.S. Government-sponsored enterprise securities, municipal securities and certain mortgage and asset-backed securities. Level 3 is comprised of financial instruments whose fair value is estimated based on non-binding broker prices utilizing significant inputs not based on or corroborated by readily available market information. Real estate held for sale is included in this category. There were no securities in this category as of or during the years ended December 31, 2019 and 2018 . The following tables set forth our assets that are measured at fair value on a recurring basis as of the dates indicated. December 31, 2019 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Financial assets: Fixed maturities available-for-sale: U.S. Treasury and U.S. Government-sponsored enterprises $ 11,348 4,530 — 15,878 States and political subdivisions — 536,284 — 536,284 Corporate 52 650,036 — 650,088 Commercial mortgage-backed — 1,100 — 1,100 Residential mortgage-backed — 130,287 — 130,287 Asset-backed — 44,203 — 44,203 Foreign governments — 119 — 119 Total fixed maturities available-for-sale 11,400 1,366,559 — 1,377,959 Equity securities: Stock mutual funds 3,274 — — 3,274 Bond mutual funds 12,311 — — 12,311 Common stock 134 — — 134 Non-redeemable preferred stock 314 — — 314 Total equity securities 16,033 — — 16,033 Total financial assets $ 27,433 1,366,559 — 1,393,992 December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Financial assets: Fixed maturities available-for-sale: U.S. Treasury and U.S. Government-sponsored enterprises $ 11,274 4,280 — 15,554 States and political subdivisions — 720,115 — 720,115 Corporate 47 381,749 — 381,796 Commercial mortgage-backed — 40,014 — 40,014 Residential mortgage-backed — 68,684 — 68,684 Asset-backed — 4,757 — 4,757 Foreign governments — 119 — 119 Total fixed maturities 11,321 1,219,718 — 1,231,039 Equity securities: Stock mutual funds 2,906 — — 2,906 Bond mutual funds 11,774 — — 11,774 Common stock 94 — — 94 Non-redeemable preferred stock 294 — — 294 Total equity securities 15,068 — — 15,068 Total financial assets $ 26,389 1,219,718 — 1,246,107 FINANCIAL INSTRUMENTS VALUATION Fixed maturity securities, available-for-sale. At December 31, 2019 , the fixed maturities, valued using a third-party pricing source, totaled $1.4 billion for Level 2 assets and comprised 98.0% of total reported fair value. Fair values for Level 3 assets are based upon unadjusted broker quotes that are non-binding. The Level 1 and Level 2 valuations are reviewed and updated quarterly through random testing by comparisons to separate pricing models, other third-party pricing services, and back tested to recent trades. In addition, we obtain information annually relative to the third-party pricing models and review model parameters for reasonableness. For the period ended December 31, 2019 , there were no material changes to the valuation methods or assumptions used to determine fair values, and no broker or third-party prices were changed from the values received. Equity securities. Fair values of these securities are provided by a third-party pricing service and based upon quoted market price and are classified as Level 1 assets. We review the fair value hierarchy classifications each reporting period. Changes in the observability of the valuation attributes may result in a reclassification of certain financial assets. Such reclassifications, if any, are reported as transfers in and out of Level 3 at the beginning fair value for the reporting period in which the changes occur. There were no transfers in or out of Level 3 during the years ended December 31, 2019 and 2018 . FINANCIAL INSTRUMENTS NOT CARRIED AT FAIR VALUE Estimates of fair values are made at a specific point in time, based on relevant market prices and information about the financial instruments. The estimated fair values of financial instruments presented below are not necessarily indicative of the amounts the Company might realize in actual market transactions. The carrying amount and fair value for the financial assets and liabilities on the consolidated financial statements not otherwise disclosed for the periods indicated were as follows: December 31, 2019 December 31, 2018 (In thousands) Carrying Value Fair Value Carrying Value Fair Value Financial assets: Policy loans $ 82,005 82,005 80,825 80,825 Mortgage loans 177 210 186 222 Short-term investments 1,301 1,301 7,865 7,865 Cash and cash equivalents 46,205 46,205 45,492 45,492 Financial liabilities: Annuities - investment contracts $ 56,878 60,667 56,658 55,977 Policy loans. Policy loans had a weighted average annual interest rate of 7.7% at both December 31, 2019 and 2018 and no specified maturity dates. The aggregate fair value of policy loans approximates the carrying value reflected on the consolidated financial statements. These loans typically carry an interest rate that corresponds to the crediting rate applied to the related policy and contract reserves. Policy loans are an integral part of the life insurance policies we have in force; therefore, they cannot be valued separately and are not marketable. As a result, the fair value of policy loans approximates the carrying value and policy loans are considered Level 3 assets in the fair value hierarchy. Mortgage loans. Other long-term investments include mortgage loans, which are secured principally by residential properties. Weighted average interest rates for these loans were approximately 6.4% and 6.6% per year as of December 31, 2019 and 2018 , respectively, with maturities ranging from 19 to 23 years. Management estimated the fair value using an annual interest rate of 6.25% at both December 31, 2019 and 2018 . Our mortgage loans are considered Level 3 assets in the fair value hierarchy. The following table summarizes the carrying amounts of other long-term investments not carried at fair market value. December 31, 2019 Carrying Value (in thousands) Other long-term investments: FHLB common stock $ 187 Mortgage loans 177 All other investments 21 Total other long-term investments $ 385 Other. The fair value of short-term investments and cash and cash equivalents approximate carrying value and are characterized as Level 1 assets in the fair value hierarchy. Annuity liabilities. The fair value of the Company's liabilities under annuity contract policies, which are considered Level 3 instruments, was estimated at December 31, 2019 and 2018 using discounted cash flows based upon spot rates ranging from 1.67% to 3.02% and 2.70% to 3.8% , respectively, based upon swap rates adjusted for various risk adjustments. The fair value of liabilities under all insurance contracts are taken into consideration in the overall management of interest rate risk, which seeks to minimize exposure to changing interest rates through the matching of investment maturities with amounts due under insurance contracts.

Policy Liabilities and Short Du

Policy Liabilities and Short Duration Contracts	12 Months Ended
	Dec. 31, 2019
Insurance [Abstract]
Liability for Future Policy Benefits and Unpaid Claims Disclosure [Text Block]	Various assumptions used to determine the future policy benefit reserves of life insurance include valuation interest rates, mortality assumptions and withdrawals. The following table presents information on changes in the liability for life, accident and health and property policy and contract claims for the years ended December 31, 2019 , 2018 and 2017 . Years ended December 31, (In thousands) 2019 2018 2017 Policy claims payable: Balance at January 1 $ 7,614 8,610 9,538 Less: reinsurance recoverable 511 367 407 Net balance at January 1 7,103 8,243 9,131 Add claims incurred, related to: Current year 26,816 24,793 25,036 Prior years 543 (197 ) (209 ) 27,359 24,596 24,827 Deduct claims paid, related to: Current year 20,629 18,933 18,037 Prior years 6,570 6,803 7,678 27,199 25,736 25,715 Net balance December 31 7,263 7,103 8,243 Plus: reinsurance recoverable 796 511 367 Balance at December 31 $ 8,059 7,614 8,610 The Company experienced unfavorable development in 2019 of $0.5 million and favorable development of $0.2 million in 2018 and 2017 . No unusual claims or trends have been noted.

Reinsurance

Reinsurance	12 Months Ended
	Dec. 31, 2019
Reinsurance Disclosures [Abstract]
Reinsurance [Text Block]	In the normal course of business, the Company reinsures portions of certain policies that we underwrite to limit disproportionate risks. During 2019 and 2018 , we retained varying amounts of individual insurance up to a maximum retention of $100,000 on any life. The Company also reinsures 100% of our accidental death benefit rider coverage. Catastrophe reinsurance is in place for our property policies. In 2019 and 2018 , this reinsurance provided $10.0 million of coverage above a $500,000 deductible. Our health insurance policies are substantially all reinsured on a 100% coinsurance basis. We remain contingently liable to the extent that the reinsuring companies cannot meet their obligations under these reinsurance treaties. Our amounts recoverable from reinsurers represent receivables from and reserves ceded to reinsurers. We obtain reinsurance from multiple reinsurers, and we monitor concentration as well as financial strength ratings of our principal reinsurers. The ratings by A.M. Best Company range from B+ (Good) to A+ (Superior). Assumed and ceded life reinsurance activity as of December 31, 2019 and 2018 is summarized as follows: December 31, (In thousands) 2019 2018 Aggregate assumed life insurance in force $ 4,892 5,202 Aggregate ceded life insurance in force $ 486,937 490,295 Net life insurance in force $ 4,246,781 4,350,538 The Company's reinsurance recoverable on ceded reinsurance was $3.7 million in 2019 and 2018 . Premiums, claims and surrenders assumed and ceded for all lines of business for these years are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Premiums from short-duration contracts: Direct $ 6,804 6,840 6,933 Assumed — — — Ceded (808 ) (804 ) (781 ) Net premiums earned 5,996 6,036 6,152 Premiums from long-duration contracts: Direct 180,205 184,721 193,778 Assumed 99 99 142 Ceded (1,953 ) (2,996 ) (2,352 ) Net premiums earned 178,351 181,824 191,568 Total premiums earned $ 184,347 187,860 197,720 Claims and surrenders assumed $ 141 159 247 Claims and surrenders ceded $ (940 ) (705 ) (946 ) SPFIC has catastrophe reinsurance that covers the first event in excess of a $0.5 million deductible up to $10.0 million . In consideration for a reinstatement premium, second event coverage is provided in excess of a $0.5 million deductible up to $10.0 million . The annual premium was approximately $0.8 million in 2019 , 2018 and 2017 .

Stockholders' Equity and Restri

Stockholders' Equity and Restrictions	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity Note [Abstract]
Stockholders' Equity and Restrictions	STOCK The two classes of our common stock are equal in all respects, except (a) each Class A share is entitled to receive twice the cash dividends paid on a per share basis to the Class B common stock, if any; and (b) the Class B common stock has the exclusive right to elect a simple majority of the Board of Directors of Citizens and the Class A common stock elects the remaining directors. A summary of the change in number of shares of Class A and Class B common stock and treasury stock issued is as follows: (In thousands) Common Stock Treasury Class A Class B Stock Balance at December 31, 2016 52,216 1,002 (3,136 ) Change — — — Balance at December 31, 2017 52,216 1,002 (3,136 ) Change — — — Balance at December 31, 2018 52,216 1,002 (3,136 ) Change 149 — — Balance at December 31, 2019 52,365 1,002 (3,136 ) EARNINGS PER SHARE The following table sets forth the computation of basic and diluted earnings per share. Years ended December 31, (In thousands, except per share amounts) 2019 2018 2017 Basic and diluted earnings per share: Numerator: Net loss $ (1,370 ) (11,062 ) (38,127 ) Net loss allocated to Class A common stock $ (1,356 ) (10,950 ) (37,742 ) Net loss allocated to Class B common stock (14 ) (112 ) (385 ) Net loss $ (1,370 ) (11,062 ) (38,127 ) Denominator: Weighted average shares of Class A outstanding - basic 49,214 49,080 49,080 Weighted average shares of Class A outstanding - diluted 49,347 49,139 49,080 Weighted average shares of Class B outstanding - basic and diluted 1,002 1,002 1,002 Total weighted average shares outstanding - basic 50,216 50,082 50,082 Total weighted average shares outstanding - diluted 50,349 50,141 50,082 Basic and diluted loss per share of Class A common stock $ (0.03 ) (0.22 ) (0.77 ) Basic and diluted loss per share of Class B common stock (0.01 ) (0.11 ) (0.38 ) CAPITAL AND SURPLUS The table below shows the combined total of all of our domestic insurance subsidiaries' capital and surplus and net income (loss) for life insurance operations and property insurance operations, although these amounts are not all available as dividends to Citizens because only CICA is directly owned by Citizens. All other subsidiaries are owned by CICA. Years ended December 31, (In thousands) 2019 2018 Combined statutory stockholders' equity Life insurance operations $ 40,932 47,274 Property insurance operations 6,298 6,753 Total combined statutory stockholders' equity $ 47,230 54,027 Years ended December 31, (In thousands) 2019 2018 2017 Combined statutory net income (loss) Life insurance operations $ (1,200 ) 17,872 4,179 Property insurance operations (451 ) (269 ) 152 Total combined statutory net income (loss) $ (1,651 ) 17,603 4,331 Generally, the net assets of the domestic insurance subsidiaries available for transfer to their immediate parent are limited to the lesser of the subsidiary's net gain from operations during the preceding year or 10% of the subsidiary's net statutory surplus as of the end of the preceding year as determined in accordance with accounting practices prescribed or permitted by insurance regulatory authorities. Under these practices, total surplus at December 31, 2019 was $37.8 million and net loss from operations was $0.7 million for CICA. Based upon statutory net loss from operations and surplus of CICA as of and for the year ended December 31, 2019 , no dividend could be paid to the Company without prior regulatory approval in 2020 . Payments of dividends in excess of such amounts would generally require approval by regulatory authorities. CICA, CNLIC, SPLIC, MGLIC and SPFIC have calculated their risk-based capital ("RBC") in accordance with the National Association of Insurance Commissioners' ("NAIC") Model Rule and the RBC rules as adopted by their respective states of domicile. All insurance subsidiaries exceeded RBC minimum levels at December 31, 2019 . Under the Bermuda Insurance Act 1978, an insurer is prohibited from declaring or paying a dividend if it is in breach of its Enhanced Capital Requirement (“ECR”) or Minimum Margin of Solvency (“MMS”) or if the declaration or payment of such dividend would cause such a breach. Where an insurer fails to meet its MMS on the last day of any financial year, it is prohibited from declaring or paying any dividends during the next financial year without the approval of the Bermuda Monetary Authority (the “BMA”). Insurers are also prohibited from paying a dividend in an amount exceeding 25% of the prior year’s total statutory capital and surplus, unless at least two members of the board of directors and its principal representative sign and submit to the BMA an affidavit attesting that a dividend in excess of this amount would not cause such insurer to fail to meet its relevant margins. In certain instances, the insurer would also be required to provide prior notice to the BMA in advance of the payment of dividends. In the event that such an affidavit is submitted to the BMA in accordance with the Bermuda Insurance Act, and further subject to CICA Ltd. meeting its MMS and ECR requirements, CICA Ltd. would be permitted to distribute a dividend not exceeding 25% of its prior year's total statutory capital and surplus. Distributions in excess of this amount require the approval of the BMA. Further, CICA Ltd. must obtain the BMA’s prior approval before reducing its total statutory capital as shown in its previous financial year statutory balance sheet by 15% or more. CICA Ltd. is also prohibited from declaring or paying any dividends unless the value of its long-term business assets exceeds its long-term business liabilities, as certified by its approved actuary, by the amount of the dividend and at least the MMS. These restrictions on declaring or paying dividends and distributions under the Bermuda Insurance Act of 1978 are in addition to those under Bermuda’s Companies Act 1981 which apply to all Bermuda companies. Based upon these rules, CICA Ltd. can pay a dividend of $4.5 million without prior regulatory approval in 2020. CICA Ltd.'s 2019 and 2018 net income was $7.6 million and $9.1 million , respectively. CICA Ltd.'s 2019 and 2018 capital and surplus was $94.3 million and $34.3 million , respectively. The BMA established risk-based regulatory capital adequacy and solvency margin requirements for Bermuda insurers that mandate that a Bermuda-domiciled subsidiary’s ECR be calculated by either: (a) Bermuda Solvency Capital Requirement ("BSCR"); or (b) an internal capital model that the BMA has approved for use for this purpose. CICA Ltd. uses the BSCR in calculating its solvency requirements. The Economic Balance Sheet ("EBS") framework is embedded as part of the BSCR and forms the basis of its ECR. CICA Ltd. held capital in excess of the BSCR requirements at December 31, 2019 . On June 10, 2016, the NAIC Executive Committee and Plenary voted to adopt a recommendation for January 1, 2017 as the operative date for the implementation of Principles-Based Reserves (“PBR”) as a national standard for life insurance products. Although this NAIC standard does not change the reserving requirements under U.S. GAAP, it can be significant for many life insurers. PBR replaces the current formulaic approach to determining policy reserves with an approach that more closely reflects the risks of highly complex products. Companies will be expected to develop “right-sized” reserves that better align with their specific product features, their observed actuarial experience, and their overall risk management procedures. PBR is required effective January 1, 2020. The Company expects to file a request for PBR exemption with the various state Departments of Insurance since all of our domestic insurance subsidiaries met the small company exemption outlined in the NAIC Valuation Manual, VM-20, for principle-based reserving.

Commitments and Contingencies (

Commitments and Contingencies (Notes)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	QUALIFICATIONS OF LIFE PRODUCTS We have previously reported that a portion of the life insurance policies issued by our subsidiary insurance companies failed to qualify for the favorable U.S. federal income tax treatment afforded by Sections 7702 and 72(s) of the Internal Revenue Code ("IRC") of 1986. Further, we have determined the structure of our policies sold to non-U.S. persons, which were novated to CICA Ltd. effective July 1, 2018, may have inadvertently generated U.S. source income over time, which caused tax withholding and information reporting requirements for the Company under Chapters 3 and 4 of the IRC. For the novated policies sold to non-U.S. persons, we expect to settle any liabilities with the Internal Revenue Service ("IRS") related to tax withholding and information reporting failures. The Company has continued to refine its estimate of the tax, penalty and interest exposure and expenses related to these tax issues, as described below for the current reporting period. The products have been and continue to be appropriately reported as life insurance under U.S. GAAP for financial reporting. In December 2019, the Company submitted corrected withholding tax returns to the IRS in order to establish the tax liability amount for failing to withhold tax and report the U.S. source income generated by the novated policies to remediate the noncompliance matter described above . With the continued uncertainty that remains , including the acceptance of the submitted withholding tax returns, IRS review of our submission, and future negotiations , our estimated liability was approximately $10.0 million , after tax, as of December 31, 2019 and December 31, 2018 related to projected agreement with the IRS . The probability weighted range of financial estimates relative to this issue is $7.4 million to $52.5 million , after tax. This estimated range includes projected taxes and interest and penalties payable to the IRS, as well as estimated increased payout obligations to current holders of non-compliant domestic life insurance policies expected to result from remediation of those policies. Accruals for loss contingencies are recorded when it is probable that a liability has been incurred and the amount can be reasonably estimated. The process of determining our best estimate and the estimated range was a complex undertaking including insight from external consultants and involved management’s judgment based upon a variety of factors known at the time. The amount of our liabilities and expenses depends on a number of uncertainties, including the number of prior tax years for which we may be liable to the IRS and the methodology applicable to the calculation of the tax liabilities for policies. Given the range of potential outcomes and the significant variables assumed in establishing our estimates, actual amounts incurred may exceed our reserve and could exceed the high end of our estimated range of liabilities and expenses. To the extent the amount reserved by the Company is insufficient to meet the actual amount of our liabilities and expenses, or if our estimates of those liabilities and expenses change in the future, our financial condition and results of operations may be materially adversely affected. Management believes that based upon current information, we have recorded the best estimate liability to date. On May 17, 2017, we submitted an offer to enter into Closing Agreements with the IRS covering certain CICA and CNLIC domestic life insurance policies (the "Closing Agreements"), which was accepted by the IRS on June 7, 2019. Pursuant to the Closing Agreements, CICA and CNLIC agreed to pay the IRS $123,779 and $4,118, respectively, by August 6, 2019, and follow the corrective steps for the policies outlined in the Closing Agreements by September 5, 2019. These payments were made to the IRS on July 12, 2019. For certain life insurance policies that failed to satisfy the requirements of the cash value accumulation test of Section 7702 ("CVAT") of the IRC, we agreed to amend such policies retroactively to their original dates of issue by adding an endorsement (which provides that the death benefit of such policies will not be less than the amount of life insurance necessary to maintain CVAT compliance). For the life insurance policies that failed to satisfy the premium requirements of the guideline premium test of Section 7702 of the IRC, we agreed as needed to refund each policyholder the amount of premiums paid that exceeded the guideline premium limitation plus interest thereon. We completed these corrective steps prior to September 5, 2019, the deadline set forth in the Closing Agreements. LITIGATION AND REGULATORY ACTIONS On November 7, 2018, Citizens, CICA Ltd. and CICA filed a lawsuit in the District Court of Travis County, Texas (the “District Court”) against (i) Randall Riley (“Riley”), a former Citizens executive and son of Citizens’ founder Harold E. Riley, (ii) Citizens American Life, LLC and Citizens American Life, Inc. (collectively, “CALI”), copycat companies formed by Riley and (iii) Alexis Enrique Delgado, Carlos Nalsen Landa, Enrique Pinzon Ruiz, Johan Emilio Mikuski Silva and Esperanza Peralta de Delgado (collectively, the “Los Raudales Defendants,” and together with Riley and CALI, collectively the “Defendants”), former independent consultants of Citizens, for unfair competition, misappropriation of Citizens’ trade secrets, tortious interference with Citizens’ existing contracts with its independent consultants and, with respect to the Los Raudales Defendants, breach of their independent consultant contracts with Citizens. The lawsuit sought (i) a declaration that Citizens had grounds to terminate the Los Raudales Defendants for cause under the independent consultant contracts and the Los Raudales Defendants are not entitled to future commissions under such contracts, (ii) injunctive relief, (iii) damages and (iv) attorneys’ fees and costs. Among other things, the suit alleges that Riley formed CALI and misappropriated trade secrets during the time he was employed by Citizens, in violation of his contractual and other duties to Citizens, and that the Los Raudales defendants breached their independent consultant contracts with Citizens by inducing or attempting to induce other independent consultants to terminate or reduce service to Citizens and disclosing confidential information. On January 25, 2019, the Defendants filed a motion to dismiss certain claims alleged in the suit, and on April 11, 2019, the District Court denied the Defendants’ motion in its entirety. On May 29, 2019, Citizens, CICA Ltd. and CICA filed a motion for a preliminary injunction to bar the Defendants from continuing to engage in unfair competition and misappropriation of Citizens’ trade secrets and tortious interference with Citizens’ existing contracts with its independent consultants. A hearing for the preliminary injunction was held on August 12, 2019. On August 13, 2019, the District Court denied the application for a temporary injunction, and on August 19, 2019, Citizens, CICA Ltd. and CICA filed a notice of appeal in the Third Court of Appeals in Austin, Texas with respect to the District Court’s August 13, 2019 decision. On September 10, 2019, Citizens, CICA Ltd. and CICA filed an amended complaint and added additional defendants to the lawsuit, including (i) Michael P. Buchweitz, Jonathan M. Pollio, Jeffrey J. Wood and Steven A. Rekedal, former Citizens executives and employees and, in the case of Steven A. Rekedal, a former Citizens independent consultant, (ii) First Trinity Financial Corporation, and Trinity American, Inc. (collectively, “First Trinity”) and International Marketing Group S.A., LLC, entities that have founded a business on the exploitation of Citizens’ trade secrets and goodwill, and (iii) Gregg E. Zahn, a First Trinity executive. The amended complaint asserted additional claims for breach of contract, conspiracy and unjust enrichment. The lawsuit is currently in discovery and is expected to proceed to trial in the fourth quarter of 2020. While it is not possible at this time to predict with any degree of certainty the ultimate outcome of the appeal of the District Court’s denial of the preliminary injunction or this litigation, Citizens believes it has a basis for an injunctive relief and intends to vigorously pursue its action against the Defendants and seek appropriate compensation and any other remedies to which it may be entitled. From time to time we are subject to legal and regulatory actions relating to our business. We defend all claims vigorously. As a result, we incur defense costs, including attorneys' fees, other direct litigation costs and the expenditure of management time that otherwise would be devoted to our business. If we suffer an adverse judgment as a result of litigation claims, it could have a material adverse effect on our business, results of operations and financial condition. CONTRACTUAL OBLIGATIONS Effective January 1, 2019, the Company adopted the new lease accounting guidance in ASU No. 2016-02, Leases (Topic 842) . We also elected the package of practical expedients, which among other things, does not require reassessment of lease classification. As a result of the adoption of the new lease accounting guidance, the Company recognized on January 1, 2019 a lease liability of $1.8 million discounted using an incremental borrowing rate of 4.76% and a right-of-use asset of $1.8 million . There was $1.2 million of undiscounted lease liability remaining as of December 31, 2019 . The Company uses its estimated incremental borrowing rate, which is derived from information available at lease commencement date, in determining present value of lease payments. The Company leases home office space in Austin, Texas for Citizens and in Bermuda for CICA Ltd. as well as several district office locations related to our Home Service Insurance segment across Louisiana, Mississippi and Arkansas, which are classified as operating leases. Certain operating leases include renewal options that extend the lease term. The exercise of lease renewal options is at our sole discretion when it is reasonably certain that we will exercise such option . Leases with an initial term of 12 months or less are immaterial to the consolidated financial statements and are recognized as lease expense on a straight-line basis over the lease term and not recorded on the consolidated financial statements. The table below summarizes the number of weighted-average years remaining in our lease liabilities. Lease Term December 31, 2019 Weighted-average remaining lease term (years) Operating leases 1.1 Maturities of our remaining lease liabilities as of December 31, 2019 are as follows. (In thousands) Operating Lease Payments (a) Maturity of lease liabilities 2020 $ 946 2021 174 2022 32 2023 — 2024 — After 2024 — Total lease payments 1,152 Interest expense (22 ) Present value of lease liabilities $ 1,130 (a) Operating lease payments exclude $13.5 million of legally binding minimum lease payments for leases signed but not yet commenced. We recorded the lease right-of-use asset in Other Assets and the lease liability in Other Liabilities. Cash payments related to lease liabilities were $1.6 million for the year ended December 31, 2019 and were reported in operating cash flows. In January 2019, the Company entered into a long-term lease agreement with an unrelated party for its new home office in Austin, Texas. The building in which we have leased office space is under construction and is expected to be completed in 2020. The long-term lease will commence after construction of the building is complete and has a 121-month term, and therefore is not included in the tables above. Payments under the new long-term lease agreement will average approximately $0.1 million per month. The Company does not engage in lease agreements among related parties. As of December 31, 2019 , CICA Ltd. is committed to fund investments up to $40 million related to a private equity fund.

Segment Information (Notes)

Segment Information (Notes)	12 Months Ended
	Dec. 31, 2019
Segment Reporting Information, Operating Income (Loss) [Abstract]
Segment Information	The Company has two reportable segments: Life Insurance and Home Service Insurance. Our Life Insurance segment issues U.S. Dollar-denominated endowment contracts internationally, which are principally accumulation contracts that incorporate an element of life insurance protection and ordinary whole life insurance in U.S. Dollar-denominated amounts sold to foreign residents. These contracts are designed to provide a fixed amount of insurance coverage over the life of the insured and may utilize rider benefits to provide additional coverage and annuity benefits to enhance accumulations. We operate our domestic business in this segment through CICA, CICA Ltd. and CNLIC. Our domestic Home Service Insurance segment operates through our subsidiaries SPLIC, MGLIC and SPFIC, and focuses on the life insurance needs of the middle and lower income markets, primarily in Louisiana, Mississippi and Arkansas. Our policies are sold and serviced through a home service marketing distribution system of 223 employee-agents who work on a route system and through over 221 funeral homes and independent agents who sell policies, collect premiums and service policyholders. To a lesser extent, our Home Service Insurance segment sells limited liability, named peril property policies covering dwelling and contents. The Life Insurance and Home Service Insurance portions of the Company constitute separate businesses. In addition to the Life Insurance and Home Service Insurance business, the Company also operates other non-insurance ("Other Non-Insurance Enterprises") portions of the Company, which primarily includes the Company’s IT and Corporate-support functions, which is included in the table presentation below to properly reconcile the segment information with the consolidated financial statements of the Company. The accounting policies of the segments are in accordance with U.S. GAAP and are the same as those described in the summary of significant accounting policies. We evaluate profit and loss performance based on U.S. GAAP net income before federal income taxes for our reportable segments. The Company's Other Non-insurance operations are the only difference between segments and reported consolidated operations. Year ended December 31, 2019 (In thousands) Life Home Other Consolidated Revenues: Premiums Life insurance $ 136,941 41,410 — 178,351 Accident and health insurance 725 658 — 1,383 Property insurance — 4,613 — 4,613 Net investment income 44,779 13,058 1,694 59,531 Realized investment gains (losses), net 6,795 1,470 (3,016 ) 5,249 Other income 1,412 4 2 1,418 Total revenue 190,652 61,213 (1,320 ) 250,545 Benefits and expenses: Insurance benefits paid or provided: Claims and surrenders 82,964 23,863 — 106,827 Increase in future policy benefit reserves 39,873 1,839 — 41,712 Policyholders' dividends 6,004 36 — 6,040 Total insurance benefits paid or provided 128,841 25,738 — 154,579 Commissions 20,128 14,094 — 34,222 Other general expenses 23,012 19,517 5,911 48,440 Capitalization of deferred policy acquisition costs (17,448 ) (4,807 ) — (22,255 ) Amortization of deferred policy acquisition costs 23,832 4,436 — 28,268 Amortization of cost of insurance acquired 492 1,054 — 1,546 Total benefits and expenses 178,857 60,032 5,911 244,800 Income (loss) before income tax expense $ 11,795 1,181 (7,231 ) 5,745 Year ended December 31, 2018 (In thousands) Life Home Other Consolidated Revenues: Premiums Life insurance $ 140,566 41,259 — 181,825 Accident and health insurance 580 638 — 1,218 Property insurance — 4,817 — 4,817 Net investment income 39,985 13,125 1,095 54,205 Realized investment gains (losses), net 358 (46 ) (204 ) 108 Other income (loss) 1,833 (1 ) 1 1,833 Total revenue 183,322 59,792 892 244,006 Benefits and expenses: Insurance benefits paid or provided: Claims and surrenders 69,149 21,954 — 91,103 Increase in future policy benefit reserves 43,671 4,276 — 47,947 Policyholders' dividends 6,316 46 — 6,362 Total insurance benefits paid or provided 119,136 26,276 — 145,412 Commissions 20,079 14,883 — 34,962 Other general expenses 18,718 20,435 8,479 47,632 Capitalization of deferred policy acquisition costs (17,194 ) (5,501 ) — (22,695 ) Amortization of deferred policy acquisition costs 29,915 4,320 — 34,235 Amortization of cost of insurance acquired 583 1,875 — 2,458 Total benefits and expenses 171,237 62,288 8,479 242,004 Income (loss) before income tax expense $ 12,085 (2,496 ) (7,587 ) 2,002 Year ended December 31, 2017 (In thousands) Life Home Other Consolidated Revenues: Premiums Life insurance $ 149,957 41,385 — 191,342 Accident and health insurance 751 641 — 1,392 Property insurance — 4,986 — 4,986 Net investment income 38,578 13,132 1,436 53,146 Realized investment gains (losses), net (461 ) 979 — 518 Other income 1,061 3 179 1,243 Total revenue 189,886 61,126 1,615 252,627 Benefits and expenses: Insurance benefits paid or provided: Claims and surrenders 60,393 22,512 — 82,905 Increase in future policy benefit reserves 70,783 5,246 — 76,029 Policyholders' dividends 6,226 42 — 6,268 Total insurance benefits paid or provided 137,402 27,800 — 165,202 Commissions 25,760 15,564 — 41,324 Other general expenses 18,597 23,395 4,396 46,388 Capitalization of deferred policy acquisition costs (23,157 ) (5,963 ) — (29,120 ) Amortization of deferred policy acquisition costs 25,295 4,395 — 29,690 Amortization of cost of insurance acquired 595 1,534 — 2,129 Total benefits and expenses 184,492 66,725 4,396 255,613 Income (loss) before income tax expense $ 5,394 (5,599 ) (2,781 ) (2,986 ) The table below summarizes assets by segment. December 31, (In thousands) 2019 2018 Assets: Life Insurance $ 1,284,844 1,174,769 Home Service Insurance 391,366 369,563 Other Non-Insurance Operations 68,726 71,229 Total assets $ 1,744,936 1,615,561 GEOGRAPHIC INFORMATION The following table sets forth the Company's annual total of earned premiums from geographic area for the years indicated: Years ended December 31, (In thousands) 2019 2018 2017 Area: United States $ 53,656 53,836 54,737 Colombia 26,768 27,605 29,200 Venezuela 22,353 24,783 27,997 Taiwan 19,403 18,888 19,535 Ecuador 14,198 15,187 16,440 Argentina 10,069 9,960 10,534 Other foreign countries 40,562 41,302 42,268 Net reinsurance (2,662 ) (3,701 ) (2,991 ) Total premiums $ 184,347 187,860 197,720

Income Taxes (Notes)

Income Taxes (Notes)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	Beginning in 2018, the statutory tax rate is 21% . Due to the reduced statutory tax rate under the Tax Cuts and Jobs Act ("Tax Act"), we were required to remeasure our deferred tax assets and liabilities using the lower rate at December 22, 2017, the date of enactment. This re-measurement resulted in a reduction of net deferred tax assets of $35.7 million , which includes a $4.7 million benefit related to deferred taxes previously recognized in accumulated other comprehensive income. In accordance with the SEC's Staff Accounting Bulletin No. 118 ("SAB 118"), the Company recorded provisional amounts related to the impacts of the Tax Act as of December 31, 2017, including but not limited to the change in corporate tax rate and immediate expensing of certain capital assets. During 2018, the provisional amounts were adjusted and finalized during the measurement period allowed by SAB 118 and had an immaterial impact on the 2018 income tax expense. CICA Ltd., a wholly-owned subsidiary of Citizens, is considered a controlled foreign corporation for federal income tax purposes. As a result, the insurance activity of CICA Ltd. is subject to Subpart F of the IRC and is included in Citizens’ taxable income and due to the 0% enacted tax rate in Bermuda there are no deferred taxes recorded for CICA Ltd.'s temporary differences. For the years ended December 31, 2019 and 2018 , the Subpart F income inclusion generated $5.9 million and $18.4 million of federal income tax expense, respectively. The December 31, 2018 Subpart F income inclusion was largely driven by the impact of the novation transaction. The novation transaction also resulted in somewhat offsetting adjustments to the current tax liability for CICA, notably an increased amortization of DAC under Section 848 of the IRC, a reduction of premium income and a release of the $50.8 million uncertain tax position related to tax reserves on product qualification issues. Our federal income tax expense was $7.1 million , $13.1 million and $35.1 million in 2019 , 2018 and 2017 , respectively. This represents effective tax rates of 126.0% , 652.6% and (1,176.8)% , respectively. The high positive rate in 2018 was primarily due to the large Subpart F income inclusion following the novation transaction. The high negative effective tax rate in 2017 was primarily related to remeasurement of deferred income taxes under the Tax Act reform which went into effect on December 22, 2017. A reconciliation of federal income tax expense computed by applying the federal income tax rate of 21% in 2019 and 2018 and 35% in 2017 to income (loss) before federal income tax is as follows: Years ended December 31, (In thousands, except for %) 2019 % 2018 % 2017 % Expected tax expense (benefit) $ 1,186 21.0 % $ 420 21.0 % $ (1,045 ) 35.0 % Foreign income tax rate differential (1,562 ) (27.7 ) (8,133 ) (406.3 ) — — Tax-exempt interest and dividends-received deduction (145 ) (2.6 ) (227 ) (11.3 ) (360 ) 12.1 Adjustment of prior year taxes (99 ) (1.8 ) 113 5.6 68 (2.3 ) Effect of graduated rates — — — — (140 ) 4.7 Effect of uncertain tax position 1,148 20.3 2,612 130.5 (355 ) 11.9 Nondeductible costs to remediate tax compliance issue (27 ) (0.5 ) (366 ) (18.3 ) (384 ) 12.9 162(m) compensation limitation 480 8.5 53 2.6 — — Subpart F income 5,853 103.6 18,403 919.2 — — Tax reform re-measurement — — 68 3.4 35,718 (1,196.2 ) Goodwill impairment — — — — 1,621 (54.3 ) Other 281 5.2 121 6.2 18 (0.6 ) Total federal income tax expense $ 7,115 126.0 % $ 13,064 652.6 % $ 35,141 (1,176.8 )% Income tax expense consists of: Years ended December 31, (In thousands) 2019 2018 2017 Current $ 5,542 (49,569 ) 14,454 Deferred 1,573 62,633 20,687 Total income tax expense $ 7,115 13,064 35,141 The components of deferred federal income taxes are as follows: December 31, (In thousands) 2019 2018 Deferred tax assets: Future policy benefit reserves $ 2,641 2,795 Net operating and capital loss carryforwards 230 191 Investments 702 1,841 Deferred intercompany loss 3,539 5,190 Lease liability 238 — Other 700 339 Total gross deferred tax assets 8,050 10,356 Deferred tax liabilities: DAC, COIA and intangible assets (8,417 ) (8,745 ) Unrealized gains on investments available-for-sale (7,300 ) (1,968 ) Tax reserves transition liability (4,483 ) (4,864 ) Right of use lease asset (238 ) — Other (40 ) (488 ) Total gross deferred tax liabilities (20,478 ) (16,065 ) Net deferred tax liability $ (12,428 ) (5,709 ) A summary of the changes in the components of deferred federal and state income taxes is as follows: December 31, (In thousands) 2019 2018 Deferred federal and state income taxes: Balance January 1, $ (5,709 ) 50,797 Deferred tax benefit (1,573 ) (62,633 ) Investments available-for-sale (5,129 ) 6,153 Effects of unrealized gains on DAC, COIA and reserves (17 ) (26 ) Balance December 31, $ (12,428 ) (5,709 ) MGLIC, an entity that is not eligible to join the Company's consolidated tax return until 2020, had a $1.1 million net operating loss carryforward at December 31, 2019 , which will begin expiring in 2036 . The Company and our subsidiaries had no capital loss carryforwards at December 31, 2019 , except MGLIC had a $21,000 capital loss carryforward at December 31, 2019, which will begin expiring in 2023 . At December 31, 2019 and 2018 , we determined that as a result of our taxable capital gain income in carryback periods, the expected reversal of existing deferred tax liabilities, and tax planning strategies, it was more likely than not that the deferred tax assets would be realized. Thus, the Company holds no valuation allowance in operations or other comprehensive income at December 31, 2019 and 2018 . The Company recognizes only the impact of tax positions that, based on their technical merits, are more likely than not to be sustained upon an audit by the taxing authority. A reconciliation of unrecognized tax benefits is as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at January 1, $ 44,841 95,831 85,762 Additions based on tax positions related to the current year — — 7,384 Additions for tax positions of prior years 1,148 2,268 2,685 Reductions for tax positions of prior years — (53,258 ) — Balance December 31, $ 45,989 44,841 95,831 This unrecognized tax benefit is reported net in current federal income tax payable in the consolidated balance sheets. Included in these amounts is $9.9 million , $8.8 million and $6.5 million of interest expense with respect to unrecognized tax benefit as of December 31, 2019 , 2018 and 2017 , respectively. The Company’s unrecognized tax benefits at December 31, 2019 would affect the effective tax rate if recognized. The Company does not believe there is a reasonable possibility the total amount of uncertain tax benefits will significantly increase or decrease in the next twelve months. The Company’s practice is to recognize interest and penalties related to income tax matters in income tax expense. In the consolidated statements of operations and comprehensive income (loss), the amount of interest expense recorded was $1.1 million , $2.3 million and $0.8 million for the years ended December 31, 2019 , 2018 and 2017 , respectively. The Company's Federal income tax return is filed on a consolidated basis with the following entities: Citizens, Inc. CICA Life Insurance Company of America Security Plan Life Insurance Company Security Plan Fire Insurance Company Computing Technology, Inc. Citizens National Life Insurance Company MGLIC files its Federal income tax return on a stand-alone basis as it is not eligible to join the consolidated group until 2020 . CICA Ltd. is subject to separate tax reporting. The method of allocation among companies is subject to a written tax sharing agreement, approved by the Board of Directors, whereby allocation is made primarily on a separate return basis pursuant to the wait-and-see method. Under this method, consolidated group members are not given current credit or refunds for net operating losses until taxable income on a separate return basis is generated. Intercompany tax balances are settled quarterly. The Company and our subsidiaries file income tax returns in the U.S. Federal jurisdiction and various U.S. states. None of our subsidiaries are subject to examination by U.S. tax authorities for years prior to 2016 .

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Other Comprehensive Income (Loss)	The changes in the components of other comprehensive income (loss) are reported net of the effects of income taxes of 21% in 2019 and 2018 due to the reduced statutory tax rate under the Tax Act, and 35% in 2017 , as indicated below. (In thousands) Amount Tax Effect Total Year ended December 31, 2019 Unrealized gains (losses): Unrealized holding gains (losses) arising during the period $ 78,744 (5,535 ) 73,209 Reclassification adjustment for (gains) losses included in net income (1,927 ) 405 (1,522 ) Effects on DAC and COIA 81 (17 ) 64 Other comprehensive income (loss) $ 76,898 (5,147 ) 71,751 Year ended December 31, 2018 Unrealized gains (losses): Unrealized holding gains (losses) arising during the period $ (34,357 ) 6,520 (27,837 ) Reclassification adjustment for (gains) losses included in net income (953 ) 200 (753 ) Unrealized gain from held-to-maturity transferred to available-for-sale 3,588 (218 ) 3,370 Effects on DAC and COIA 130 (38 ) 92 Other comprehensive income (loss) $ (31,592 ) 6,464 (25,128 ) Year ended December 31, 2017 Unrealized gains (losses): Unrealized holding gains (losses) arising during the period $ 17,374 (5,379 ) 11,995 Reclassification adjustment for (gains) losses included in net income 546 (191 ) 355 Effects on DAC and COIA 292 (102 ) 190 Other comprehensive income (loss) $ 18,212 (5,672 ) 12,540

Stock Compensation (Notes)

Stock Compensation (Notes)	12 Months Ended
	Dec. 31, 2019
Stock Compensation [Abstract]
Share-based Payment Arrangement [Text Block]	In January 2018 and January 2019, the Company's Board of Directors approved awards of restricted stock units under the Citizens, Inc. Omnibus Incentive Plan for non-employee directors and the executive management team. Vesting of the units is subject to the recipient’s continued service or employment with the Company through the applicable vesting date, which is one year for directors and two years for employees. In addition, the Board also approved equity grants for other employees with a delegation to the President and Chief Executive Officer to determine the participant and values to be awarded. There are three million shares that may be granted under the plan. The following table provides a rollforward of restricted stock activity: Restricted Stock Units Units Weighted Average Exercise Price Weighted Average Remaining Contractual Life Aggregate Fair Value (1) (In thousands) (In years) (In thousands) Outstanding at December 31, 2018 119 $ 7.19 1.32 $ 854 Granted 446 7.20 3,212 Less: Vested 201 7.36 1,479 Forfeited 89 7.17 640 Outstanding at December 31, 2019 275 $ 7.09 0.50 $ 1,947 (1) Fair value per share of restricted stock units was equal to Grant Date fair value per share, which was calculated based on the closing price of the Company's Class A common stock on the NYSE on the grant date, in accordance with ASC Topic 718. As of December 31, 2019 , we recognized $2.2 million of expense, while $1.0 million was unrecognized and is expected to be amortized up to 1.10 years . Restricted stock unit awards give the participant the right to receive common stock in the future, subject to certain restrictions and a risk of forfeiture. Forfeitures are recognized in the period they occur. Compensation expense of $2.1 million and $0.4 million was recognized as of December 31, 2019 and 2018 , respectively, related to these awards.

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2019
Benefit Plans [Abstract]
Compensation and Employee Benefit Plans [Text Block]	The Company sponsors a defined contribution retirement plan. The plan was initially established as the Citizens, Inc. Profit Sharing Plan and was restated as the Citizens, Inc. 401(k) Retirement and Profit Sharing Plan effective March 1, 2016. There have been no profit sharing contributions since 2014. On January 1, 2019, the 401(k) plan was amended to allow employees who have completed three months of service to participate in the plan. Prior to that date, a year of service was required before participation. Contributions are made by employees and the Company provides a matching contribution based upon the employee's level of contribution. The Company's expense was $0.8 million , $0.7 million and $0.7 million in 2019 , 2018 and 2017 , respectively. The Company is primarily self-insured for employee health benefits. The Company records its self-insurance liability based on an estimate of claims incurred but not yet reported. There is stop-loss coverage for amounts in excess of $120,000 per individual per year. If more claims are made than were estimated or if the costs of actual claims increase beyond what was anticipated, reserves recorded may not be sufficient and additional accruals may be required in future periods.

Related Party (Notes)

Related Party (Notes)	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Related Party Transactions	RELATED PARTY TRANSACTIONS The Company has various routine related party transactions in conjunction with our holding company structure, such as a management service agreement related to costs incurred, a tax sharing agreement between entities, and inter-company dividends and capital contributions. A reinsurance assumption and novation transaction was completed effective July 1, 2018 between CICA and CICA Ltd. to transfer the international policies from CICA to CICA Ltd., the newly formed Bermuda entity. As part of this transaction, the Company agreed to infuse capital into CICA as required by the Colorado Department of Insurance to keep CICA's risk-based capital above 350% in any future calendar year-end periods. There were no other changes related to these relationships during the year ended December 31, 2019 .

Quarterly Financial Information

Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information (Unaudited) [Abstract]
Quarterly Financial Information [Text Block]	(Unaudited) The following table contains selected unaudited financial data for each quarter. (In thousands, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2019 Revenues $ 69,806 61,467 56,866 62,406 Benefits and expenses 64,878 59,335 60,189 60,398 Federal income tax expense (benefit) (23 ) 86 1,242 5,810 Net income (loss) 4,951 2,046 (4,565 ) (3,802 ) Net income (loss) available to common shareholders 4,951 2,046 (4,565 ) (3,802 ) Basic & Diluted earnings (losses) per share of Class A common stock 0.10 0.04 (0.09 ) (0.08 ) Basic & Diluted earnings (losses) per share of Class B common stock 0.05 0.02 (0.04 ) (0.04 ) (In thousands, except per share amounts) Fourth Quarter Third Quarter (a) Second Quarter First Quarter 2018 Revenues $ 65,570 61,161 59,842 57,433 Benefits and expenses 67,598 55,599 63,953 54,854 Federal income tax expense (benefit) (596 ) 12,671 (1,553 ) 2,542 Net income (loss) (1,432 ) (7,109 ) (2,558 ) 37 Net income (loss) available to common shareholders (1,432 ) (7,109 ) (2,558 ) 37 Basic & Diluted earnings (losses) per share of Class A common stock (0.03 ) (0.14 ) (0.05 ) — Basic & Diluted earnings (losses) per share of Class B common stock (0.01 ) (0.07 ) (0.03 ) — (a) On July 1, 2018, the Company novated all of the international policies issued by CICA to CICA Ltd., a newly established Bermuda entity that began operations in July 2018. While this novation transaction has been eliminated in consolidation of affiliated entities, there are tax effects reflected in the consolidated financial statements as a result of the transaction being executed between our subsidiaries that reside in different tax jurisdictions. CICA Ltd. is considered a controlled foreign corporation for federal tax purposes. As a result, the insurance activity of CICA Ltd. is subject to Subpart F of the IRC and is included in Citizens’s taxable income which generated $18.4 million of federal income tax expense in 2018. In addition, as of July 1, 2018, we implemented a new actuarial valuation software solution that provides enhanced reporting and modeling capabilities for ordinary whole life and endowment policies of CICA and CICA Ltd., which are included in the Life Insurance segment. The impact of this system conversion resulted in changes in estimates due to refinements based upon our accounting analysis of the circumstances and reflected as a decrease in reserves of $10.2 million and a decrease in DAC of $4.3 million , before tax.

Subsequent Events

Subsequent Events	12 Months Ended
	Dec. 31, 2019
Subsequent Events [Abstract]
Subsequent Events [Text Block]	We have evaluated for subsequent events as defined by the accounting guidance through the date of financial statement issuance and have no subsequent events to disclose.

Financial Schedules Schedule II

Financial Schedules Schedule II - Condensed Financial Information (Parent Company) (Notes)	12 Months Ended
	Dec. 31, 2019
Condensed Financial Information (Parent Company) [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Schedule II Condensed Financial Information of Registrant CITIZENS, INC. (Parent Company) Balance Sheets December 31, (In thousands) 2019 2018 Assets Investment in subsidiaries (1) $ 191,869 123,245 Fixed maturities available-for-sale, at fair value 50,491 41,705 Equity securities, at fair value 1,167 1,035 Real estate held for sale 2,571 5,718 Short-term investments 1,301 7,865 Cash 10,829 11,768 Accrued investment income 535 530 Accounts receivable from subsidiaries (1) 4,770 5,871 Property and equipment, net 817 425 Other assets 552 305 Total assets $ 264,902 198,467 Liabilities and Stockholders' Equity Liabilities: Accrued expense and other liabilities $ 5,066 10,734 Total liabilities $ 5,066 10,734 Stockholders' equity: Common stock: Class A $ 261,515 259,793 Class B 3,184 3,184 Accumulated deficit (70,969 ) (69,599 ) Unrealized investment gains on securities held by parent and subsidiaries, net of tax 77,117 5,366 Treasury stock (11,011 ) (11,011 ) Total stockholders' equity 259,836 187,733 Total liabilities and stockholders' equity $ 264,902 198,467 (1) Eliminated in consolidation. Note to Schedule II : Citizens, Inc.'s investments in consolidated subsidiaries are stated at cost plus equity in undistributed income of consolidated subsidiaries. The Company includes in its Statement of Operations dividends from its subsidiaries and equity in undistributed income (loss) of consolidated subsidiaries, which represents the net income (loss) of each of its wholly-owned subsidiaries. Schedule II, Continued Condensed Financial Information of Registrant CITIZENS, INC. (Parent Company) Statements of Operations and Comprehensive Income (Loss) Years ended December 31, (In thousands) 2019 2018 2017 Comprehensive income (loss): Revenues: Management service fees (1) $ 43,694 43,323 42,367 Investment income 1,685 1,086 1,282 Other 2 1 80 Realized investment losses (3,013 ) (196 ) — Total revenues 42,368 44,214 43,729 Expenses: General expenses 46,020 44,009 41,680 Taxes, licenses and fees 146 761 1,203 Total expenses 46,166 44,770 42,883 Income (loss) before federal income tax expense (benefit) and equity in loss of consolidated subsidiaries (3,798 ) (556 ) 846 Federal income tax expense (benefit) (4,491 ) (185 ) 228 Income (loss) before equity in income of consolidated subsidiaries 693 (371 ) 618 Equity in loss of consolidated subsidiaries (2,063 ) (10,691 ) (38,745 ) Net loss (1,370 ) (11,062 ) (38,127 ) Other comprehensive income (loss) 71,751 (25,128 ) 12,540 Total comprehensive income (loss) $ 70,381 (36,190 ) (25,587 ) (1) Eliminated in consolidation. Note to Schedule II : Citizens, Inc.'s investments in consolidated subsidiaries are stated at cost plus equity in undistributed income of consolidated subsidiaries. The Company includes in its Statement of Operations and Comprehensive Income (Loss) dividends from its subsidiaries and equity in undistributed income (loss) of consolidated subsidiaries, which represents the net income (loss) of each of its wholly-owned subsidiaries. Schedule II, Continued Condensed Financial Information of Registrant CITIZENS, INC. (Parent Company) Statements of Cash Flows Years ended December 31, (In thousands) 2019 2018 2017 Cash flows from operating activities: Net loss $ (1,370 ) (11,062 ) (38,127 ) Adjustments to reconcile net income (loss) to net cash provided by operating activities: Realized investment losses, net 3,013 196 — Equity in loss of consolidated subsidiaries 2,063 10,691 38,745 Change in accrued expenses and other liabilities (6,530 ) (2,036 ) 4,370 Amortization of premiums and discounts on investments 496 567 714 Depreciation 267 356 319 Change in accrued investment income (5 ) (46 ) 181 Stock-based compensation 2,099 — — Decrease (increase) in receivable from subsidiaries and other assets 1,101 382 (2,901 ) Other, net (248 ) 22 (102 ) Net cash provided by (used in) operating activities 886 (930 ) 3,199 Cash flows from investing activities: Purchases of fixed maturities, available-for-sale (12,970 ) (11,871 ) — Maturities of fixed maturities, available-for-sale 691 7,160 10,986 Sales of fixed maturities, available-for-sale 4,268 1,366 — Sales of other long-term investments and property and equipment 14 103 3 Purchases of other long-term investments and property and equipment (85 ) (60 ) (261 ) Purchases of short-term investments (2,456 ) (7,850 ) — Maturities of short-term investments 9,090 — 500 Capital contribution to subsidiary — — (5,250 ) Net cash provided by (used in) investing activities (1,448 ) (11,152 ) 5,978 Cash flows from financing activities: Other (377 ) — — Net cash used in financing activities (377 ) — — Net increase (decrease) in cash (939 ) (12,082 ) 9,177 Cash at beginning of year 11,768 23,850 14,673 Cash at end of year $ 10,829 11,768 23,850 Note to Schedule II : Citizens, Inc.'s investments in consolidated subsidiaries are stated at cost plus equity in undistributed income of consolidated subsidiaries. The Company includes in its Statement of Operations dividends from its subsidiaries and equity in undistributed income (loss) of consolidated subsidiaries, which represents the net income (loss) of each of its wholly-owned subsidiaries.

Financial Schedules Schedule _2

Financial Schedules Schedule III - Consolidated Supplementary Insurance Information (Notes)	12 Months Ended
	Dec. 31, 2019
Consolidated Supplementary Insurance Information [Abstract]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information, Disclosure [Text Block]	Schedule III Consolidated Supplementary Insurance Information Years ended December 31, (In thousands) 2019 2018 Deferred policy acquisition costs: Life Insurance $ 111,461 117,845 Home Service Insurance 37,788 37,902 Total consolidated deferred policy acquisition costs $ 149,249 155,747 Future policy benefit reserves and policy claims payable: Life Insurance $ 1,025,128 987,086 Home Service Insurance 279,099 277,795 Total consolidated future policy benefit reserves and policy claims payable $ 1,304,227 1,264,881 Unearned premiums: Life Insurance $ 1,145 914 Home Service Insurance 224 231 Total consolidated unearned premiums $ 1,369 1,145 Other policy claims and benefits payable: Life Insurance $ 87,359 82,641 Home Service Insurance 1,777 1,777 Total consolidated other policy claims and benefits payable $ 89,136 84,418

Financial Schedules Schedule IV

Financial Schedules Schedule IV - Consolidated Reinsurance (Notes)	12 Months Ended
	Dec. 31, 2019
Consolidated Reinsurance [Abstract]
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Text Block]	Schedule IV Consolidated Statement of Reinsurance (In thousands) Direct Amount Ceded to Other Companies Assumed From Other Companies Net Amount % of Amount Assumed to Net Year ended December 31, 2019 Life insurance in force $ 4,728,826 486,937 4,892 4,246,781 0.1 % Premiums: Life insurance 180,204 1,952 99 178,351 Accident and health insurance 1,400 17 — 1,383 Property insurance 5,405 792 — 4,613 Total premiums $ 187,009 2,761 99 184,347 0.1 % Year ended December 31, 2018 Life insurance in force $ 4,835,631 490,295 5,202 4,350,538 0.1 % Premiums: Life insurance 184,722 2,996 99 181,825 Accident and health insurance 1,232 14 — 1,218 Property insurance 5,607 790 — 4,817 Total premiums $ 191,561 3,800 99 187,860 0.1 % Year ended December 31, 2017 Life insurance in force $ 4,967,856 503,685 5,564 4,469,735 0.1 % Premiums: Life insurance 193,534 2,334 142 191,342 Accident and health insurance 1,410 18 — 1,392 Property insurance 5,767 781 — 4,986 Total premiums $ 200,711 3,133 142 197,720 0.1 %

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Consolidation, Policy [Policy Text Block]	BASIS OF PRESENTATION AND CONSOLIDATION The accompanying consolidated financial statements of Citizens, Inc. and its wholly-owned subsidiaries have been prepared in conformity with U.S. generally accepted accounting principles ("U.S. GAAP"). The consolidated financial statements include the accounts and operations of Citizens, Inc. ("Citizens"), a Colorado corporation, and its wholly-owned subsidiaries, CICA Life Insurance Company of America ("CICA"), CICA Life Ltd. ("CICA Ltd."), Citizens National Life Insurance Company ("CNLIC"), Security Plan Life Insurance Company ("SPLIC"), Security Plan Fire Insurance Company ("SPFIC"), Magnolia Guaranty Life Insurance Company ("MGLIC"), and Computing Technology, Inc. ("CTI"). All significant inter-company accounts and transactions have been eliminated. Citizens and its wholly-owned subsidiaries are collectively referred to as "the Company," "we," or "our." Our Life Insurance segment operates through CICA Ltd., CICA and CNLIC. CICA Ltd. issues U.S. Dollar-denominated endowment contracts internationally, which are principally accumulation contracts that incorporate an element of life insurance protection and ordinary whole life insurance in U.S. Dollar-denominated amounts sold to foreign residents. These contracts are designed to provide a fixed amount of insurance coverage over the life of the insured and may utilize rider benefits to provide additional increasing or decreasing coverage and annuity benefits to enhance accumulations. Our domestic life insurance business, which operates through CICA and CNLIC, primarily focused on living needs and provided benefits toward accumulating financial benefits for the policyowners throughout the Midwest and southern U.S. until they ceased most domestic sales beginning January 1, 2017. Our Home Service Insurance segment operates through our subsidiaries SPLIC, MGLIC and SPFIC, and focuses on the life insurance needs of the middle and lower income markets, primarily in Louisiana, Mississippi and Arkansas. Our products in this segment consist primarily of small face amount ordinary whole life and pre-need policies, which are designed to fund final expenses for the insured, primarily consisting of funeral and burial costs as well as limited liability, named peril property policies covering dwelling and contents.
Investments [Policy Text Block]	SHORT-TERM INVESTMENTS The Company considers investments maturing within one year at acquisition as short-term. These securities are carried at fair value. Investment securities are classified as held-to-maturity, available-for-sale or trading. Management determines the appropriate classification at the time of purchase. The classification of securities is significant since it directly impacts the accounting for unrealized gains and losses on securities. Fixed maturity securities are classified as held-to-maturity and carried at amortized cost when management has the positive intent and the Company has the ability to hold the securities to maturity. Securities not classified as held-to-maturity are classified as available-for-sale and are carried at fair value, with the unrealized holding gains and losses, net of tax, reported in other comprehensive income and are not reported in earnings until realized. Fixed maturities consist primarily of bonds classified as available-for-sale or held-to-maturity. The Company does not classify any fixed maturities as trading and beginning September 30, 2018, the Company no longer classifies any fixed maturities as held-to-maturity. Equity securities are measured at fair value beginning January 1, 2018, with the change in fair value recorded through net income. Prior to 2018, changes in equity security fair values were a component of accumulated other comprehensive income. Unrealized gains (losses) of fixed maturities held as available-for-sale is shown as a separate component of stockholders' equity, net of tax, and is a separate component of comprehensive income. The Company evaluates all securities on a quarterly basis, and more frequently when economic conditions warrant additional evaluations, in determining if an other-than-temporary impairment ("OTTI") exists pursuant to the accounting guidelines. In evaluating the possible impairment of securities, consideration is given to the length of time and the extent to which the fair value has been less than amortized cost, the financial conditions and near-term prospects of the issuer, and the ability and intent of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer’s financial condition, the Company may consider whether the securities are issued by the Federal government or its agencies, by government-sponsored agencies, or whether downgrades by bond rating agencies have occurred, and reviews of the issuer’s financial condition. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment to yield using the effective interest method. Dividend and interest income is recognized when earned. Realized gains and losses are included in earnings and are derived using the specific identification method for determining the cost of securities sold. If management determines that an investment experienced an OTTI, management must then determine the amount of OTTI to be recognized in earnings. If management does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis less any current period loss, the OTTI will be separated into the amount representing the credit loss and the amount related to all other factors. The amount of OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of OTTI related to other factors will be recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings will become the new amortized cost basis of the investment. If management intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current period credit loss, the OTTI will be recognized in earnings equal to the entire difference between the investment's amortized cost basis and its fair value at the consolidated financial statement date. Any recoveries related to the value of these securities are recorded as an unrealized gain (as other comprehensive income (loss) in stockholders' equity) and not recognized in income until the security is ultimately sold. The Company from time to time may dispose of an impaired security in response to asset/liability management decisions, future market movements, business plan changes, or if the net proceeds can be reinvested at a rate of return that is expected to recover the loss within a reasonable period of time. Policy loans are reported at unpaid principal balances. Real estate held for investment consists primarily of land and buildings that are recorded at depreciated cost. If the fair value of the real estate is less than the carrying value, an impairment loss is recognized and charged to earnings. Real estate held for sale at December 31, 2019 consisted of the Citizens Academy training facility located near Austin, Texas and at December 31, 2018 consisted of the Company's previous home office location which was sold during 2019. Other long-term investments consists primarily of Federal Home Loan Bank ("FHLB") common stock and mortgage loans. Mortgage loans on real estate are reported at unpaid principal balances. The Company had cash equivalents and fixed maturities with an aggregate fair value of $9.6 million and $9.5 million at December 31, 2019 and 2018 , respectively, on deposit with various state regulatory authorities to fulfill statutory requirements.
Cash and Cash Equivalents [Policy Text Block]	The Company considers cash equivalents as all securities whose duration does not exceed 90 days at the date of acquisition.
Reinsurance Recoverable [Policy Text Block]	Reinsurance recoverable includes expected reimbursements for policyholder claim amounts in excess of the Company's retention, as well as profit sharing and experience refund accruals. Reinsurance recoverable is reduced for estimated uncollectible amounts, if any. Reinsurance premiums, benefits and expenses are accounted for on a basis consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. The cost of reinsurance related to long duration contracts is accounted for over the life of the underlying reinsured policies using assumptions consistent with those used to account for the underlying policies. The cost of reinsurance related to short duration contracts is accounted for over the coverage period. Profit-sharing and similar adjustable provisions are accrued based on the experience of the underlying policies.
Deferred Policy Acquisition Costs and Cost of Customer Relationships Acquired, Policy [Policy Text Block]	Acquisition costs, consisting of commissions and policy issuance, underwriting and agent convention expenses that are directly related to and vary with the successful production of new business are deferred. These deferred amounts, referred to as deferred policy acquisition costs ("DAC"), are recorded as an asset on the consolidated balance sheets and amortized to income in a systematic manner, based on related contract revenues or gross profits as appropriate. Traditional life insurance and accident and health insurance acquisition costs are amortized over the premium-paying period of the related policies using assumptions consistent with those used in computing future policy benefit liabilities. For universal life type contracts and investment contracts that include significant surrender charges or that yield significant revenues from sources other than the investment contract holders' funds, the deferred contract acquisition cost amortization is matched to the recognition of gross profit. The effect on the DAC asset that would result from realization of unrealized gains or losses is recognized with an offset to accumulated other comprehensive income in consolidated stockholders' equity. If an internal replacement of insurance or investment contract modification substantially changes a contract as defined in current accounting guidance, then the DAC is written off immediately through income and any new deferrable costs associated with the new replacement are deferred. If a contract modification does not substantially change the contract, the DAC amortization on the original contract will continue and any acquisition costs associated with the related modification are immediately expensed. The ending DAC asset balance is calculated at a seriatim level for policies in force at the end of each reporting period based on the remaining unamortized asset. The assumptions used to calculate DAC are set when a policy is issued and do not change with changes in actual experience, unless a loss recognition event occurs. The seriatim method ensures that policies lapsed or surrendered during the reporting period are no longer included in the DAC calculation. This method limits the amount of deferred costs to its estimated realizable value, provided actual experience is comparable to that contemplated in the locked-in assumptions. Inherent in the capitalization and amortization of DAC are certain management judgments about what acquisition costs are deferred, the ending asset balance and the annual amortization. Approximately 93.6% of our capitalized DAC are attributed to first year and renewal excess commissions. The remaining 6.4% are attributed to costs that vary with and are directly related to the successful acquisition of new insurance business. Those costs generally include costs related to the production, underwriting and issuance of new business. DAC is subject to recoverability testing at the time of policy issuance and loss recognition testing on an annual basis, or when an event occurs that might require loss recognition testing. If loss recognition or impairment is necessary, DAC would be written off to the extent that anticipated future premiums and investment income is insufficient to cover expected future policy benefits and expenses. Loss recognition testing that considers, among other things, actual experience and projected future experience calculates the available premium (gross premium less the benefit and expense portion of premium) for the next 50 years. DAC is evaluated for recoverability using best estimate assumptions. Based on the results of DAC recoverability testing and loss recognition testing, management believes that our DAC as of the years ended December 31, 2019 and 2018 limits the amount of deferred costs to its estimated recoverable value. The components of DAC from year to year are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at beginning of period $ 155,747 167,063 167,790 Capitalization of deferred policy acquisition costs 22,255 22,695 29,120 Amortization of deferred policy acquisition costs (28,268 ) (34,235 ) (29,690 ) Effects of unrealized (gains) losses (485 ) 224 (157 ) Balance at end of period $ 149,249 155,747 167,063 We converted to a new actuarial valuation software solution that provided enhanced modeling capabilities for the ordinary whole life policies of SPLIC as of July 1, 2019 and the ordinary whole life and endowment policies of CICA and CICA Ltd. as of July 1, 2018. The total impact of these system conversions, which impacted both the Home Service Insurance and Life Insurance segments, reflect changes in actuarial valuation estimates associated with the conversion. The impact is reflected in the accompanying consolidated financial statements and summarized in the table below. (In thousands) 2019 2018 Increase (Decrease) Consolidated Balance Sheets DAC $ (1,396 ) (4,339 ) Future policy benefit reserves: Life insurance (2,299 ) (10,197 ) Consolidated Statements of Operations and Comprehensive Income (Loss) Decrease in future policy benefit reserves (2,299 ) (10,197 ) Amortization of deferred policy acquisition costs 1,396 4,339 Income before federal income tax 903 5,858 Federal income tax expense 190 1,230 Net income $ 713 4,628 COST OF INSURANCE ACQUIRED Cost of insurance acquired ("COIA") is established when we purchase a block of insurance. COIA is amortized over the emerging profit of the related policies using the same assumptions as were used in computing liabilities for future policy benefits. Inherent in the amortization of COIA are certain management judgments used in the estimation of the ending asset balance and the annual amortization. The key assumptions used in management's estimates are based upon interest, mortality and lapses at the time of purchase. A recoverability test that considers, among other things, actual experience and projected future experience is performed at least annually. These annual recoverability tests are based initially on an estimate of the available premium (gross premium less the benefit and expense portion of premium) for the next 50 years. Management believes that our COIA is recoverable for the years ended December 31, 2019 and 2018 . This belief is based upon the analysis performed on estimated future results of the block and our annual recoverability testing. COIA relative to purchased blocks of insurance is summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at beginning of period $ 15,225 17,499 19,415 Amortization (1,546 ) (2,458 ) (2,129 ) Change in effects of unrealized (gains) losses on COIA (224 ) 184 213 Balance at end of period $ 13,455 15,225 17,499 Estimated amortization of COIA in each of the next five years and thereafter is as follows. Actual future amortization will differ from these estimates due to variances from estimated future withdrawal assumptions. (In thousands) Amount Cost of Insurance Acquired: Year: 2020 $ 1,237 2021 1,112 2022 1,003 2023 908 2024 822 Thereafter 8,759 13,841 Effects of unrealized (gains) losses on COIA (386 ) Total cost of insurance acquired $ 13,455 The value of COIA resulting from our various acquisitions was determined based on the present value of future profits discounted at annual rates ranging from 3.7% to 8.5% .
Goodwill and Other Intangible Assets [Policy Text Block]	Goodwill is the difference between the purchase price in a business combination and the fair value of assets and liabilities acquired and is not amortized. Other intangible assets include various state insurance licenses, which have been determined to have indefinite useful lives and, therefore, are not amortized. Both goodwill and other intangible assets with indefinite useful lives are subject to annual impairment analysis. Goodwill is tested for impairment on an annual basis or more frequently if indicators of potential impairment exist. The goodwill testing requires us to compare the estimated fair value of a reporting unit to its carrying value. If the carrying value of the reporting unit is lower than its estimated fair value, no further evaluation is required. If the carrying value of the reporting unit exceeds its estimated fair value, an impairment charge is recorded for that excess, limited to the total amount of goodwill allocated to that reporting unit. We have the option of performing an assessment of certain qualitative factors to determine if it is more likely than not that the fair value of a reporting unit is less than its carrying value or proceeding directly to a quantitative impairment test. We elected to apply the quantitative assessment for the goodwill in our reporting units within each of our operating segments as of December 31, 2019 and 2017 . We assessed the assumptions used in the 2017 goodwill analysis considering then current circumstances and completed a qualitative review in 2018 . Management’s determination of the fair value of each reporting unit under the accounting guidance incorporates multiple inputs including discounted cash flow calculations based on assumptions that market participants would make in valuing the reporting unit. Other assumptions can include levels of economic capital, future business growth, and earnings projections. As of December 31, 2019 , the Company had $12.6 million of goodwill allocated to the Life Insurance segment. In 2017, we recorded an impairment of $4.6 million in our Home Service Insurance segment. There was no impairment of goodwill in 2019 and 2018 related to our segments. Goodwill is summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Life Insurance Segment: Balance at January 1, $ 12,624 12,624 12,624 Impairment — — — Balance at December 31, $ 12,624 12,624 12,624 Home Service Insurance Segment: Balance at January 1, $ — — 4,631 Impairment — — 4,631 Balance at December 31, $ — — — Total Segments: Balance at January 1, $ 12,624 12,624 17,255 Impairment — — 4,631 Balance at December 31, $ 12,624 12,624 12,624
Property and Equipment, Depreciation [Policy Text Block]	Property and equipment are carried at cost less accumulated depreciation. Depreciation of property and equipment is computed using the straight-line method over the useful lives of the assets, ranging from three to thirty years. The following is a summary of property and equipment. December 31, (In thousands) 2019 2018 Property and equipment: Home office, land and buildings $ 4,136 4,136 Furniture and equipment 881 963 Electronic data processing equipment and computer software 8,215 7,710 Automobiles 91 91 Real estate and equipment leases (See Note 7) 1,136 — Total property and equipment 14,459 12,900 Accumulated depreciation (8,555 ) (6,957 ) Total property and equipment $ 5,904 5,943
Future Policy Benefits and Expenses [Policy Text Block]	Future policy benefit reserves for traditional life insurance are established based on methods and underlying assumptions in accordance with U.S. GAAP and applicable actuarial standards. Assumptions as to investment yields, expenses, mortality and lapses are based upon our experience, modified as necessary to reflect anticipated trends and to include provisions for possible adverse deviations. The accrued account balance for non-traditional life insurance and investment contracts is computed as deposits net of withdrawals made by the contract holder, plus amounts credited based on contract specifications, less contract fees and charges assessed, plus any additional interest. Annuity interest crediting rates range from 2.5% to 5.5% annually. Benefits and expenses are charged against the account balance to recognize costs as incurred over the estimated lives of the contracts. Expenses include interest credited to contract account balances and benefits paid in excess of contract account balances. Unpaid claims on accident and health and specialty property insurance policies represent the estimated liability for benefit expenses, both reported but not paid and incurred but not reported to the Company. The liability for incurred but not reported claims includes estimates for additional claim amounts due related to reported claims. Liabilities for unpaid claims are estimated using individual case basis valuations and statistical analysis. Those estimates are subject to the effects of trends in claim severity and frequency. Anticipated investment income is not considered in determining whether a premium deficiency exists with respect to short-duration contracts. Premium deposits accrue interest at rates ranging from 2.5% to 6.0% per annum. The cost of insurance is included in the premium when collected and interest is credited annually to deposit accounts. The development of liabilities for future policy benefits requires management to make estimates and assumptions regarding mortality, persistency, expense, and investment experience based on historical experience and future expectations of those assumptions. Actual results could differ materially from estimates. An additional provision is made on most products to allow for possible adverse deviation from the assumptions assumed. We monitor actual experience and revise assumptions as necessary.
Participating Policies [Policy Text Block]	At December 31, 2019 and 2018 , participating business approximated 62.2% and 62.5% of direct life insurance in force, respectively. Future policy benefits on participating policies are estimated based on net level premium reserves for death and endowment policy benefits with interest rates ranging from 3.2% to 9.0% , and the cash surrender values described in such contracts. The scaling rate used for the 2019 portfolio ranged between 3.59% for 1 year and then going up to 4.18% over 20 years and remaining there for the duration. Earnings and dividends on participating policies are allocated based on policies in force. Policyholder dividends are determined based on the discretion of the Board of the policy issuing subsidiary. Policyholder dividends are accrued over the premium paying periods of the insurance contract.
Commitments and Contingencies Disclosure [Policy Text Block]	An estimated loss from a contingency is accrued and charged to results of operations only if both of the following conditions are met: 1. Information available prior to the issuance of the consolidated financial statements indicates that it is probable (virtual certainty is not required) that an asset has been impaired or a liability incurred as of the date of the consolidated financial statements; and 2. The amount of the loss can be reasonably estimated. Reasonable estimation of a possible loss does not require estimating a single amount of the loss. It requires that a loss be accrued if it can be estimated within a range. If an amount within the range is a better estimate than any other amount within the range, that amount is accrued. If no amount within the range is a better estimate than any other amount, the minimum amount in the range is accrued. A gain contingency is an uncertain situation that will be resolved in the future, possibly resulting in a gain. We do not allow the recognition of a gain contingency prior to settlement of the underlying event. If we were to have a material gain contingency, we would disclose it in the notes to the consolidated financial statements.
Premium Revenue and Related Expenses [Policy Text Block]	Premiums on life policies are recognized as earned when due. Premiums paid in advance on the consolidated balance sheets are held on deposit and accrue interest at rates ranging from 2.5% to 6.0% until such time as the premiums become due. Premiums on accident and health policies are recognized as revenue over the contract period on a pro rata basis. Benefits and expenses are associated with earned premiums so as to result in the recognition of profits over the estimated lives of the contracts. This matching is accomplished by means of a provision for future policy benefits and the capitalization and amortization of deferred policy acquisition costs. Annuity policies, primarily flexible premium fixed annuity products, are accounted for in a manner consistent with accounting for interest bearing financial instruments. Premium receipts are not reported as revenue, rather as deposit liabilities to annuity contracts. The annuity products issued do not include fees or other such charges.
Income Taxes [Policy Text Block]	Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered. A deferred tax asset is recorded only if a determination is made that it is more-likely-than-not that the tax treatment on which the deferred tax asset depends will be sustained in the event of an audit. These determinations inherently involve management's judgment. In addition, the Company must record a tax valuation allowance with respect to deferred tax assets if it is more-likely-than-not that the tax benefit will not be realized.
Earnings Per Share [Policy Text Block]	Basic earnings per share are computed by dividing income available to common stockholders by the weighted average number of shares of common stock outstanding during each period. Diluted earnings per share are computed under the if-converted method for convertible securities and the treasury stock method for warrants, giving effect to all potential dilutive common stock, including options, warrants and convertible/redeemable preferred stock. The basic and diluted earnings per share of Class B common stock are one half the earnings per share of the Class A common stock.
Use of Estimates, Policy [Policy Text Block]	The preparation of consolidated financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ materially from these estimates.
Reclassification, Policy [Policy Text Block]	Certain amounts presented in prior years have been reclassified to conform to the current presentation. No individual amounts were material.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies Accounting Pronouncements (Policies)	12 Months Ended
	Dec. 31, 2019
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements, Policy [Policy Text Block]	ACCOUNTING STANDARDS RECENTLY ADOPTED In January 2016, the Financial Accounting Standards Board ("FASB") released Accounting Standards Update ("ASU") No. 2016-01, Recognition and Measurement of Financial Assets and Financial Liabilities . This ASU requires equity investments, except those accounted for under the equity method of accounting, that have readily determinable fair values to be measured at fair value with any changes in fair value recognized in net income. Equity securities that do not have readily determinable fair values may be measured at estimated fair value or cost less impairment, if any, adjusted for subsequent observable price changes, with changes in the carrying value recognized in net income. A qualitative assessment for impairment is required for equity investments without readily determinable fair values. The updated guidance also eliminates the requirement to disclose the method and significant assumptions used to estimate the fair value of financial instruments measured at amortized cost on the consolidated financial statements. The Company adopted the updated guidance effective January 1, 2018. The adoption of this guidance resulted in the recognition of $0.6 million of net after-tax unrealized gains on equity investments as a cumulative effect adjustment that decreased retained deficit as of January 1, 2018 and decreased AOCI by the same amount. The Company elected to report changes in the fair value of equity investments in realized investment gains (losses), net. At December 31, 2017, equity investments were classified as available-for-sale on the Company's consolidated financial statements. However, upon adoption, the updated guidance eliminated the available-for-sale consolidated financial statement classification for equity investments. In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842) . This ASU requires organizations that lease assets, referred to as "lessees," to recognize on the consolidated balance sheets the rights and obligations created by those leases. The ASU also requires disclosures to help investors and other financial statement users better understand the amount, timing, and uncertainty of cash flows arising from leases. These disclosures include qualitative and quantitative requirements, providing additional information about the amounts recorded in the consolidated financial statements. The ASU on leases became effective for public companies for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. The Company has several lease agreements, such as its corporate home office and several district office locations related to our Home Service Insurance segment. The Company adopted this standard effective January 1, 2019 and recognizes these lease agreements on the consolidated balance sheets as a right-of-use asset and a corresponding lease liability. The adoption of this ASU did not have a material impact on our consolidated financial statements. See Note 7. Commitments and Contingencies for further discussion. In March 2017, the FASB issued ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20). The amendments in this ASU shorten the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. The Company has a large portfolio of callable debt securities purchased at a premium. As such, the Company had already been amortizing the premium to the earliest call date (yield to worst), thus adoption of this guidance as of January 1, 2019 did not have a material impact on our consolidated financial statements. For public business entities, the amendments in this ASU were effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2018. In February 2018, the FASB issued ASU No. 2018-02, Reclassification of Certain Tax Effects from Accumulated Other Comprehensive Income . This ASU allows a reclassification from accumulated other comprehensive income ("AOCI") to retained earnings of the stranded tax effects that occurred due to the enactment of the Tax Cuts and Jobs Act of 2017 (the "Tax Act"). The updated guidance was effective for reporting periods beginning after December 15, 2018 and is to be applied retrospectively to each period in which there are items impacted by the Tax Act remaining in AOCI or at the beginning of the period of adoption. The Company adopted the updated guidance effective January 1, 2018 and elected to reclassify the income tax effects of the Tax Act from AOCI to accumulated deficit as of January 1, 2018. This reclassification resulted in an increase in accumulated deficit of $4.7 million as of January 1, 2018 and an increase in AOCI by the same amount. The Company’s accounting policy for the release of stranded tax effects in AOCI is on an aggregate portfolio basis. In June 2018, the FASB issued ASU No. 2018-07, Compensation-Stock Compensation (Topic 718), Improvements to Nonemployee Share-Based Payment Accounting. This ASU is intended to simplify aspects of share-based compensation issued to non-employees by making the guidance consistent with the accounting for employee share-based compensation. This ASU was effective for annual periods beginning after December 15, 2018 and interim periods within those annual periods, with early adoption permitted. We adopted the provisions of this ASU as of January 1, 2019. This guidance did not have a material impact on our consolidated financial statements. In August 2018, the FASB issued ASU No. 2018-13, Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement . This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. This ASU was effective for interim and annual reporting periods beginning after December 15, 2019; however, early adoption was permitted. We elected to adopt the provisions of this ASU as of December 31, 2019. This guidance did not have a material impact on our consolidated financial statements. ACCOUNTING STANDARDS NOT YET ADOPTED In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments-Credit Losses (Topic 326) , with the main objective to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. The ASU requires a financial asset (or a group of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected. The allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial asset(s) to present the net carrying value at the amount expected to be collected on the financial asset. The income statement reflects the measurement of credit losses for newly recognized financial assets, as well as the increases or decreases of expected credit losses that have taken place during the period. Credit losses on available-for-sale debt securities should be measured in a manner similar to current U.S. GAAP; however, the credit losses are recorded through an allowance for credit losses rather than as a write-down. This approach is an improvement to current U.S. GAAP because an entity will be able to record reversals of credit losses (in situations in which the estimate of credit losses declines) in current period net income, which in turn should align the income statement recognition of credit losses with the reporting period in which changes occur. Current U.S. GAAP prohibits reflecting those improvements in current-period earnings. For public business entities, the amendments in this ASU will be effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. The Company has evaluated the impact this guidance will have on our consolidated financial statements, including but not limited to our available-for-sale securities, reinsurance recoverable and amounts due from agents, and concluded the impact is immaterial. In August 2018, the FASB issued ASU No. 2018-12, Financial Services-Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts. This ASU amends four key areas of the accounting and impacts disclosures for long-duration insurance and investment contracts: • Requires updated assumptions for liability measurement. Assumptions used to measure the liability for traditional insurance contracts, which are typically determined at contract inception, will now be reviewed at least annually, and, if there is a change, updated, with the effect recorded in net income; • Standardizes the liability discount rate. The liability discount rate will be a market-observable discount rate (upper-medium grade fixed-income instrument yield), with the effect of rate changes recorded in other comprehensive income; • Provides greater consistency in measurement of market risk benefits. The two previous measurement models have been reduced to one measurement model (fair value), resulting in greater uniformity across similar market-based benefits and better alignment with the fair value measurement of derivatives used to hedge capital market risk; • Simplifies amortization of DAC. Previous earnings-based amortization methods have been replaced with a more level amortization basis; and • Requires enhanced disclosures. The new disclosures include rollforwards and information about significant assumptions and the effects of changes in those assumptions. For calendar-year public companies, the changes will be effective on January 1, 2022. The Company is evaluating the impact of this new guidance, and it is expected to have a material impact on our consolidated financial statements. In September 2018, the FASB issued ASU No. 2018-15, Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract . This ASU requires an entity in a cloud computing arrangement (i.e., hosting arrangement) that is a service contract to follow the internal-use software guidance in ASC 350-40 to determine which implementation costs to capitalize as assets or expense as incurred. Capitalized implementation costs should be presented in the same line item on the consolidated financial statements as amounts prepaid for the hosted service, if any (generally as an "other asset"). The capitalized costs will be amortized over the term of the hosting arrangement, with the amortization expense being presented in the same income statement line item as the fees paid for the hosted service. This ASU will be effective for interim and annual reporting periods beginning after December 15, 2019; early adoption is permitted. We will adopt this ASU prospectively and concluded the impact is immaterial. No other new accounting pronouncement issued or effective during the year had, or is expected to have, a material impact on our consolidated financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Deferred Policy Acquisition Costs [Table Text Block]	The components of DAC from year to year are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at beginning of period $ 155,747 167,063 167,790 Capitalization of deferred policy acquisition costs 22,255 22,695 29,120 Amortization of deferred policy acquisition costs (28,268 ) (34,235 ) (29,690 ) Effects of unrealized (gains) losses (485 ) 224 (157 ) Balance at end of period $ 149,249 155,747 167,063
Schedule of Change in Accounting Estimate [Table Text Block]	The impact is reflected in the accompanying consolidated financial statements and summarized in the table below. (In thousands) 2019 2018 Increase (Decrease) Consolidated Balance Sheets DAC $ (1,396 ) (4,339 ) Future policy benefit reserves: Life insurance (2,299 ) (10,197 ) Consolidated Statements of Operations and Comprehensive Income (Loss) Decrease in future policy benefit reserves (2,299 ) (10,197 ) Amortization of deferred policy acquisition costs 1,396 4,339 Income before federal income tax 903 5,858 Federal income tax expense 190 1,230 Net income $ 713 4,628
Present Value of Future Insurance Profits [Table Text Block]	COIA relative to purchased blocks of insurance is summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at beginning of period $ 15,225 17,499 19,415 Amortization (1,546 ) (2,458 ) (2,129 ) Change in effects of unrealized (gains) losses on COIA (224 ) 184 213 Balance at end of period $ 13,455 15,225 17,499
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	Estimated amortization of COIA in each of the next five years and thereafter is as follows. Actual future amortization will differ from these estimates due to variances from estimated future withdrawal assumptions. (In thousands) Amount Cost of Insurance Acquired: Year: 2020 $ 1,237 2021 1,112 2022 1,003 2023 908 2024 822 Thereafter 8,759 13,841 Effects of unrealized (gains) losses on COIA (386 ) Total cost of insurance acquired $ 13,455
Schedule of Goodwill [Table Text Block]	Goodwill is summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Life Insurance Segment: Balance at January 1, $ 12,624 12,624 12,624 Impairment — — — Balance at December 31, $ 12,624 12,624 12,624 Home Service Insurance Segment: Balance at January 1, $ — — 4,631 Impairment — — 4,631 Balance at December 31, $ — — — Total Segments: Balance at January 1, $ 12,624 12,624 17,255 Impairment — — 4,631 Balance at December 31, $ 12,624 12,624 12,624
Property, Plant and Equipment [Table Text Block]	The following is a summary of property and equipment. December 31, (In thousands) 2019 2018 Property and equipment: Home office, land and buildings $ 4,136 4,136 Furniture and equipment 881 963 Electronic data processing equipment and computer software 8,215 7,710 Automobiles 91 91 Real estate and equipment leases (See Note 7) 1,136 — Total property and equipment 14,459 12,900 Accumulated depreciation (8,555 ) (6,957 ) Total property and equipment $ 5,904 5,943

Investments (Tables)

Investments (Tables)	12 Months Ended
	Dec. 31, 2019
Investments Including Short Term And Cash And Cash Equivalents [Abstract]
Investments Including Short Term And Cash And Cash Equivalents [Table Text Block]	Carrying Value as of December 31, (In thousands, except for %) 2019 % 2018 % Cash, Cash Equivalents and Investments: Fixed maturity securities $ 1,377,959 90.2 $ 1,231,039 88.7 Equity securities 16,033 1.1 15,068 1.1 Policy loans 82,005 5.4 80,825 5.8 Real estate and other long-term investments 2,956 0.2 7,409 0.5 Short-term investments 1,301 0.1 7,865 0.6 Cash and cash equivalents 46,205 3.0 45,492 3.3 Total cash, cash equivalents and investments $ 1,526,459 100.0 $ 1,387,698 100.0
Debt Securities, Unrealized Gain (Loss) on Investments [Abstract]
Unrealized Gain (Loss) on Investments [Table Text Block]	The amortized cost, gross unrealized gains and losses and fair value of investments in fixed maturities as of December 31, 2019 and 2018 are as follows. December 31, 2019 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Fixed Maturities: Available-for-sale securities: U.S. Treasury securities $ 9,709 1,638 — 11,347 U.S. Government-sponsored enterprises 3,516 1,015 — 4,531 States and political subdivisions 512,239 24,285 240 536,284 Corporate 604,750 46,472 1,134 650,088 Commercial mortgage-backed 1,105 — 5 1,100 Residential mortgage-backed 118,130 12,223 66 130,287 Asset-backed 44,302 11 110 44,203 Foreign governments 102 17 — 119 Total fixed maturity securities $ 1,293,853 85,661 1,555 1,377,959 We reclassified all of our fixed maturity holdings that were previously classified as held-to-maturity to available-for-sale based upon our intent and investment strategy as of September 30, 2018. The net carrying value of the fixed maturities held-to-maturity reclassified as available-for-sale amounted to $209.7 million . December 31, 2018 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Fixed Maturities: Available-for-sale securities: U.S. Treasury securities $ 9,864 1,410 — 11,274 U.S. Government-sponsored enterprises 3,540 740 — 4,280 States and political subdivisions 713,991 7,614 1,490 720,115 Corporate 384,817 6,725 9,746 381,796 Commercial mortgage-backed 39,694 386 66 40,014 Residential mortgage-backed 66,960 1,726 2 68,684 Asset-backed 4,764 1 8 4,757 Foreign governments 117 2 — 119 Total fixed maturity securities $ 1,223,747 18,604 11,312 1,231,039
Schedule of Equity Securities [Table Text Block]	Most of the Company's equity securities are diversified stock and bond mutual funds. Fair Value as of December 31, (In thousands) 2019 2018 Equity Securities: Stock mutual funds $ 3,274 2,906 Bond mutual funds 12,311 11,774 Common stock 134 94 Non-redeemable preferred stock 314 294 Total equity securities $ 16,033 15,068
Unrealized Continuous Losses on Investments [Abstract]
Schedule of Unrealized Loss on Investments [Table Text Block]	For fixed maturity security investments that have unrealized losses as of December 31, 2019 , the gross unrealized losses that have been in a continuous unrealized loss position for less than 12 months, gross unrealized losses that have been in a continuous unrealized loss position for 12 months or longer and fair value are as follows. December 31, 2019 Less than 12 months Greater than 12 months Total (In thousands, except for # of securities) Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fixed Maturities: Available-for-sale securities: States and political subdivisions $ 24,064 163 24 1,961 77 6 26,025 240 30 Corporate 62,897 918 69 3,669 216 5 66,566 1,134 74 Commercial mortgage-backed 1,100 5 2 — — — 1,100 5 2 Residential mortgage-backed 1,656 65 11 91 1 3 1,747 66 14 Asset-backed 36,039 110 27 — — — 36,039 110 27 Total fixed maturity securities $ 125,756 1,261 133 5,721 294 14 131,477 1,555 147 The Company does not consider securities to be other-than-temporarily impaired when the market decline is attributable to factors such as market volatility, liquidity, spread widening and credit quality when it is anticipated that a recovery of all amounts due under the contractual terms of the security will occur. Based on our evaluation of the credit worthiness of the issuers and because we do not intend to sell the investments, nor is it likely that we would be required to sell these investments before recovery of their amortized cost bases, which may be maturity, none of the unrealized losses are considered to be other-than-temporary. We monitor all debt securities on an on-going basis relative to changes in credit ratings, market prices, earnings trends and financial performance, in addition to specific region or industry reviews. The assessment of whether OTTI has occurred is based on a case-by-case evaluation of underlying reasons for the decline in fair value. The Company determines OTTI by reviewing relevant evidence related to the specific security issuer as well as our intent to sell the security, or if it is more likely than not that we would be required to sell a security before recovery of its amortized cost. All securities with a market price below par were segregated and reviewed as of December 31, 2019 based upon the items above for impairment. For fixed maturity investments that have unrealized losses as of December 31, 2018 , the gross unrealized losses that have been in a continuous unrealized loss position for less than 12 months, gross unrealized losses that have been in a continuous unrealized loss position for 12 months or longer and fair value are as follows. December 31, 2018 Less than 12 months Greater than 12 months Total (In thousands, except for # of securities) Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fair Value Unrealized Losses # of Securities Fixed Maturities: Available-for-sale securities: States and political subdivisions $ 227,132 883 233 33,891 607 46 261,023 1,490 279 Corporate 230,030 8,770 191 9,936 976 8 239,966 9,746 199 Commercial mortgage-backed 14,992 66 11 — — — 14,992 66 11 Residential mortgage-backed 18 — 3 98 2 4 116 2 7 Asset-backed 3,747 8 4 — — — 3,747 8 4 Total fixed maturity securities $ 475,919 9,727 442 43,925 1,585 58 519,844 11,312 500
Schedule of Fixed Maturities [Abstract]
Investments Classified by Contractual Maturity Date [Table Text Block]	The amortized cost and fair value of fixed maturities at December 31, 2019 by contractual maturity are shown in the table below. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date have been reflected based upon the final stated maturity. (In thousands) Amortized Cost Fair Value Fixed maturities: Due in one year or less $ 122,544 123,391 Due after one year through five years 106,106 111,107 Due after five years through ten years 215,718 230,069 Due after ten years 849,485 913,392 Total fixed maturities $ 1,293,853 1,377,959
Debt and Equity Securities, Realized Gain (Loss) [Abstract]
Schedule of Realized Gain (Loss) [Table Text Block]	Proceeds and gross realized gains and losses from sales of available-for-sale fixed maturity securities for 2019 , 2018 and 2017 are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Proceeds $ 66,900 38,823 1,077 Gross realized gains $ 2,538 1,301 19 Gross realized losses $ 973 653 16 We sold 68 and 41 fixed maturity securities from our available-for-sale portfolio in 2019 and 2018 , respectively, as part of a repositioning strategy recommended by our asset manager. There were no securities sold from the held-to-maturity portfolio in 2018 or 2017 . Proceeds and gross realized gains and losses from sales of equity securities for 2019 , 2018 and 2017 are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Proceeds $ — — 1,940 Gross realized gains $ — — — Gross realized losses $ — — 30
Investment Income [Table Text Block]	Major categories of net investment income are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Gross investment income: Fixed maturities $ 53,860 49,126 48,164 Equity securities 662 722 708 Policy loans 6,451 6,210 5,735 Other long-term investments 13 15 87 Other 374 409 68 Total investment income 61,360 56,482 54,762 Investment expenses (1,829 ) (2,277 ) (1,616 ) Net investment income $ 59,531 54,205 53,146
Realized Gain (Loss) on Investments [Table Text Block]	Realized investment gains (losses) are as follows: Years ended December 31, (In thousands) 2019 2018 2017 Realized investment gains (losses): Sales, calls and maturities: Fixed maturities $ 1,927 1,792 (506 ) Equity securities — — 121 Real estate 5,513 — 1,110 Property and equipment (48 ) (80 ) — Realized investment gains 7,392 1,712 725 Change in fair value of equity securities 962 (828 ) — Other-than-temporary impairments ("OTTI") Fixed maturities — (776 ) — Equity securities — — (207 ) Real estate held for sale (3,105 ) — — Realized loss on OTTI (3,105 ) (776 ) (207 ) Net realized investment gains (losses) $ 5,249 108 518

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	The following tables set forth our assets that are measured at fair value on a recurring basis as of the dates indicated. December 31, 2019 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Financial assets: Fixed maturities available-for-sale: U.S. Treasury and U.S. Government-sponsored enterprises $ 11,348 4,530 — 15,878 States and political subdivisions — 536,284 — 536,284 Corporate 52 650,036 — 650,088 Commercial mortgage-backed — 1,100 — 1,100 Residential mortgage-backed — 130,287 — 130,287 Asset-backed — 44,203 — 44,203 Foreign governments — 119 — 119 Total fixed maturities available-for-sale 11,400 1,366,559 — 1,377,959 Equity securities: Stock mutual funds 3,274 — — 3,274 Bond mutual funds 12,311 — — 12,311 Common stock 134 — — 134 Non-redeemable preferred stock 314 — — 314 Total equity securities 16,033 — — 16,033 Total financial assets $ 27,433 1,366,559 — 1,393,992 December 31, 2018 (In thousands) Level 1 Level 2 Level 3 Total Fair Value Financial assets: Fixed maturities available-for-sale: U.S. Treasury and U.S. Government-sponsored enterprises $ 11,274 4,280 — 15,554 States and political subdivisions — 720,115 — 720,115 Corporate 47 381,749 — 381,796 Commercial mortgage-backed — 40,014 — 40,014 Residential mortgage-backed — 68,684 — 68,684 Asset-backed — 4,757 — 4,757 Foreign governments — 119 — 119 Total fixed maturities 11,321 1,219,718 — 1,231,039 Equity securities: Stock mutual funds 2,906 — — 2,906 Bond mutual funds 11,774 — — 11,774 Common stock 94 — — 94 Non-redeemable preferred stock 294 — — 294 Total equity securities 15,068 — — 15,068 Total financial assets $ 26,389 1,219,718 — 1,246,107
Fair Value, by Balance Sheet Grouping [Table Text Block]	The following table summarizes the carrying amounts of other long-term investments not carried at fair market value. December 31, 2019 Carrying Value (in thousands) Other long-term investments: FHLB common stock $ 187 Mortgage loans 177 All other investments 21 Total other long-term investments $ 385 The carrying amount and fair value for the financial assets and liabilities on the consolidated financial statements not otherwise disclosed for the periods indicated were as follows: December 31, 2019 December 31, 2018 (In thousands) Carrying Value Fair Value Carrying Value Fair Value Financial assets: Policy loans $ 82,005 82,005 80,825 80,825 Mortgage loans 177 210 186 222 Short-term investments 1,301 1,301 7,865 7,865 Cash and cash equivalents 46,205 46,205 45,492 45,492 Financial liabilities: Annuities - investment contracts $ 56,878 60,667 56,658 55,977

Policy Liabilities and Short _2

Policy Liabilities and Short Duration Contracts (Tables)	12 Months Ended
	Dec. 31, 2019
Insurance [Abstract]
Schedule of Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block]	The following table presents information on changes in the liability for life, accident and health and property policy and contract claims for the years ended December 31, 2019 , 2018 and 2017 . Years ended December 31, (In thousands) 2019 2018 2017 Policy claims payable: Balance at January 1 $ 7,614 8,610 9,538 Less: reinsurance recoverable 511 367 407 Net balance at January 1 7,103 8,243 9,131 Add claims incurred, related to: Current year 26,816 24,793 25,036 Prior years 543 (197 ) (209 ) 27,359 24,596 24,827 Deduct claims paid, related to: Current year 20,629 18,933 18,037 Prior years 6,570 6,803 7,678 27,199 25,736 25,715 Net balance December 31 7,263 7,103 8,243 Plus: reinsurance recoverable 796 511 367 Balance at December 31 $ 8,059 7,614 8,610

Reinsurance (Tables)

Reinsurance (Tables)	12 Months Ended
	Dec. 31, 2019
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Amount of reinsurance in force [Table Text Block]	Premiums, claims and surrenders assumed and ceded for all lines of business for these years are summarized as follows: Years ended December 31, (In thousands) 2019 2018 2017 Premiums from short-duration contracts: Direct $ 6,804 6,840 6,933 Assumed — — — Ceded (808 ) (804 ) (781 ) Net premiums earned 5,996 6,036 6,152 Premiums from long-duration contracts: Direct 180,205 184,721 193,778 Assumed 99 99 142 Ceded (1,953 ) (2,996 ) (2,352 ) Net premiums earned 178,351 181,824 191,568 Total premiums earned $ 184,347 187,860 197,720 Claims and surrenders assumed $ 141 159 247 Claims and surrenders ceded $ (940 ) (705 ) (946 ) Assumed and ceded life reinsurance activity as of December 31, 2019 and 2018 is summarized as follows: December 31, (In thousands) 2019 2018 Aggregate assumed life insurance in force $ 4,892 5,202 Aggregate ceded life insurance in force $ 486,937 490,295 Net life insurance in force $ 4,246,781 4,350,538

Stockholders' Equity and Rest_2

Stockholders' Equity and Restrictions Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Schedule of Stock by Class [Table Text Block]	A summary of the change in number of shares of Class A and Class B common stock and treasury stock issued is as follows: (In thousands) Common Stock Treasury Class A Class B Stock Balance at December 31, 2016 52,216 1,002 (3,136 ) Change — — — Balance at December 31, 2017 52,216 1,002 (3,136 ) Change — — — Balance at December 31, 2018 52,216 1,002 (3,136 ) Change 149 — — Balance at December 31, 2019 52,365 1,002 (3,136 )
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	The following table sets forth the computation of basic and diluted earnings per share. Years ended December 31, (In thousands, except per share amounts) 2019 2018 2017 Basic and diluted earnings per share: Numerator: Net loss $ (1,370 ) (11,062 ) (38,127 ) Net loss allocated to Class A common stock $ (1,356 ) (10,950 ) (37,742 ) Net loss allocated to Class B common stock (14 ) (112 ) (385 ) Net loss $ (1,370 ) (11,062 ) (38,127 ) Denominator: Weighted average shares of Class A outstanding - basic 49,214 49,080 49,080 Weighted average shares of Class A outstanding - diluted 49,347 49,139 49,080 Weighted average shares of Class B outstanding - basic and diluted 1,002 1,002 1,002 Total weighted average shares outstanding - basic 50,216 50,082 50,082 Total weighted average shares outstanding - diluted 50,349 50,141 50,082 Basic and diluted loss per share of Class A common stock $ (0.03 ) (0.22 ) (0.77 ) Basic and diluted loss per share of Class B common stock (0.01 ) (0.11 ) (0.38 )

Stockholders' Equity and Rest_3

Stockholders' Equity and Restrictions (Tables)	12 Months Ended
	Dec. 31, 2019
Stockholders' Equity Note [Abstract]
Statutory Accounting Practices Disclosure	The table below shows the combined total of all of our domestic insurance subsidiaries' capital and surplus and net income (loss) for life insurance operations and property insurance operations, although these amounts are not all available as dividends to Citizens because only CICA is directly owned by Citizens. All other subsidiaries are owned by CICA. Years ended December 31, (In thousands) 2019 2018 Combined statutory stockholders' equity Life insurance operations $ 40,932 47,274 Property insurance operations 6,298 6,753 Total combined statutory stockholders' equity $ 47,230 54,027 Years ended December 31, (In thousands) 2019 2018 2017 Combined statutory net income (loss) Life insurance operations $ (1,200 ) 17,872 4,179 Property insurance operations (451 ) (269 ) 152 Total combined statutory net income (loss) $ (1,651 ) 17,603 4,331

Commitments and Contingencies L

Commitments and Contingencies Lease Commitments (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	The table below summarizes the number of weighted-average years remaining in our lease liabilities. Lease Term December 31, 2019 Weighted-average remaining lease term (years) Operating leases 1.1 Maturities of our remaining lease liabilities as of December 31, 2019 are as follows. (In thousands) Operating Lease Payments (a) Maturity of lease liabilities 2020 $ 946 2021 174 2022 32 2023 — 2024 — After 2024 — Total lease payments 1,152 Interest expense (22 ) Present value of lease liabilities $ 1,130 (a) Operating lease payments exclude $13.5 million of legally binding minimum lease payments for leases signed but not yet commenced.

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2019
Segment Reporting Information [Line Items]
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year ended December 31, 2019 (In thousands) Life Home Other Consolidated Revenues: Premiums Life insurance $ 136,941 41,410 — 178,351 Accident and health insurance 725 658 — 1,383 Property insurance — 4,613 — 4,613 Net investment income 44,779 13,058 1,694 59,531 Realized investment gains (losses), net 6,795 1,470 (3,016 ) 5,249 Other income 1,412 4 2 1,418 Total revenue 190,652 61,213 (1,320 ) 250,545 Benefits and expenses: Insurance benefits paid or provided: Claims and surrenders 82,964 23,863 — 106,827 Increase in future policy benefit reserves 39,873 1,839 — 41,712 Policyholders' dividends 6,004 36 — 6,040 Total insurance benefits paid or provided 128,841 25,738 — 154,579 Commissions 20,128 14,094 — 34,222 Other general expenses 23,012 19,517 5,911 48,440 Capitalization of deferred policy acquisition costs (17,448 ) (4,807 ) — (22,255 ) Amortization of deferred policy acquisition costs 23,832 4,436 — 28,268 Amortization of cost of insurance acquired 492 1,054 — 1,546 Total benefits and expenses 178,857 60,032 5,911 244,800 Income (loss) before income tax expense $ 11,795 1,181 (7,231 ) 5,745 Year ended December 31, 2018 (In thousands) Life Home Other Consolidated Revenues: Premiums Life insurance $ 140,566 41,259 — 181,825 Accident and health insurance 580 638 — 1,218 Property insurance — 4,817 — 4,817 Net investment income 39,985 13,125 1,095 54,205 Realized investment gains (losses), net 358 (46 ) (204 ) 108 Other income (loss) 1,833 (1 ) 1 1,833 Total revenue 183,322 59,792 892 244,006 Benefits and expenses: Insurance benefits paid or provided: Claims and surrenders 69,149 21,954 — 91,103 Increase in future policy benefit reserves 43,671 4,276 — 47,947 Policyholders' dividends 6,316 46 — 6,362 Total insurance benefits paid or provided 119,136 26,276 — 145,412 Commissions 20,079 14,883 — 34,962 Other general expenses 18,718 20,435 8,479 47,632 Capitalization of deferred policy acquisition costs (17,194 ) (5,501 ) — (22,695 ) Amortization of deferred policy acquisition costs 29,915 4,320 — 34,235 Amortization of cost of insurance acquired 583 1,875 — 2,458 Total benefits and expenses 171,237 62,288 8,479 242,004 Income (loss) before income tax expense $ 12,085 (2,496 ) (7,587 ) 2,002 Year ended December 31, 2017 (In thousands) Life Home Other Consolidated Revenues: Premiums Life insurance $ 149,957 41,385 — 191,342 Accident and health insurance 751 641 — 1,392 Property insurance — 4,986 — 4,986 Net investment income 38,578 13,132 1,436 53,146 Realized investment gains (losses), net (461 ) 979 — 518 Other income 1,061 3 179 1,243 Total revenue 189,886 61,126 1,615 252,627 Benefits and expenses: Insurance benefits paid or provided: Claims and surrenders 60,393 22,512 — 82,905 Increase in future policy benefit reserves 70,783 5,246 — 76,029 Policyholders' dividends 6,226 42 — 6,268 Total insurance benefits paid or provided 137,402 27,800 — 165,202 Commissions 25,760 15,564 — 41,324 Other general expenses 18,597 23,395 4,396 46,388 Capitalization of deferred policy acquisition costs (23,157 ) (5,963 ) — (29,120 ) Amortization of deferred policy acquisition costs 25,295 4,395 — 29,690 Amortization of cost of insurance acquired 595 1,534 — 2,129 Total benefits and expenses 184,492 66,725 4,396 255,613 Income (loss) before income tax expense $ 5,394 (5,599 ) (2,781 ) (2,986 )
Assets [Table Text Block]	The table below summarizes assets by segment. December 31, (In thousands) 2019 2018 Assets: Life Insurance $ 1,284,844 1,174,769 Home Service Insurance 391,366 369,563 Other Non-Insurance Operations 68,726 71,229 Total assets $ 1,744,936 1,615,561
Schedule of Revenue from External Customers Attributed to Foreign Countries by Geographic Area [Table Text Block]	GEOGRAPHIC INFORMATION The following table sets forth the Company's annual total of earned premiums from geographic area for the years indicated: Years ended December 31, (In thousands) 2019 2018 2017 Area: United States $ 53,656 53,836 54,737 Colombia 26,768 27,605 29,200 Venezuela 22,353 24,783 27,997 Taiwan 19,403 18,888 19,535 Ecuador 14,198 15,187 16,440 Argentina 10,069 9,960 10,534 Other foreign countries 40,562 41,302 42,268 Net reinsurance (2,662 ) (3,701 ) (2,991 ) Total premiums $ 184,347 187,860 197,720

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	A reconciliation of federal income tax expense computed by applying the federal income tax rate of 21% in 2019 and 2018 and 35% in 2017 to income (loss) before federal income tax is as follows: Years ended December 31, (In thousands, except for %) 2019 % 2018 % 2017 % Expected tax expense (benefit) $ 1,186 21.0 % $ 420 21.0 % $ (1,045 ) 35.0 % Foreign income tax rate differential (1,562 ) (27.7 ) (8,133 ) (406.3 ) — — Tax-exempt interest and dividends-received deduction (145 ) (2.6 ) (227 ) (11.3 ) (360 ) 12.1 Adjustment of prior year taxes (99 ) (1.8 ) 113 5.6 68 (2.3 ) Effect of graduated rates — — — — (140 ) 4.7 Effect of uncertain tax position 1,148 20.3 2,612 130.5 (355 ) 11.9 Nondeductible costs to remediate tax compliance issue (27 ) (0.5 ) (366 ) (18.3 ) (384 ) 12.9 162(m) compensation limitation 480 8.5 53 2.6 — — Subpart F income 5,853 103.6 18,403 919.2 — — Tax reform re-measurement — — 68 3.4 35,718 (1,196.2 ) Goodwill impairment — — — — 1,621 (54.3 ) Other 281 5.2 121 6.2 18 (0.6 ) Total federal income tax expense $ 7,115 126.0 % $ 13,064 652.6 % $ 35,141 (1,176.8 )%
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Income tax expense consists of: Years ended December 31, (In thousands) 2019 2018 2017 Current $ 5,542 (49,569 ) 14,454 Deferred 1,573 62,633 20,687 Total income tax expense $ 7,115 13,064 35,141
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	The components of deferred federal income taxes are as follows: December 31, (In thousands) 2019 2018 Deferred tax assets: Future policy benefit reserves $ 2,641 2,795 Net operating and capital loss carryforwards 230 191 Investments 702 1,841 Deferred intercompany loss 3,539 5,190 Lease liability 238 — Other 700 339 Total gross deferred tax assets 8,050 10,356 Deferred tax liabilities: DAC, COIA and intangible assets (8,417 ) (8,745 ) Unrealized gains on investments available-for-sale (7,300 ) (1,968 ) Tax reserves transition liability (4,483 ) (4,864 ) Right of use lease asset (238 ) — Other (40 ) (488 ) Total gross deferred tax liabilities (20,478 ) (16,065 ) Net deferred tax liability $ (12,428 ) (5,709 )
Change in Deferred Tax Liability [Table Text Block]	A summary of the changes in the components of deferred federal and state income taxes is as follows: December 31, (In thousands) 2019 2018 Deferred federal and state income taxes: Balance January 1, $ (5,709 ) 50,797 Deferred tax benefit (1,573 ) (62,633 ) Investments available-for-sale (5,129 ) 6,153 Effects of unrealized gains on DAC, COIA and reserves (17 ) (26 ) Balance December 31, $ (12,428 ) (5,709 )
Schedule of Unrecognized Tax Benefits Roll Forward [Table Text Block]	A reconciliation of unrecognized tax benefits is as follows: Years ended December 31, (In thousands) 2019 2018 2017 Balance at January 1, $ 44,841 95,831 85,762 Additions based on tax positions related to the current year — — 7,384 Additions for tax positions of prior years 1,148 2,268 2,685 Reductions for tax positions of prior years — (53,258 ) — Balance December 31, $ 45,989 44,841 95,831

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2019
Equity [Abstract]
Schedule of Other Comprehensive Income (Loss)	The changes in the components of other comprehensive income (loss) are reported net of the effects of income taxes of 21% in 2019 and 2018 due to the reduced statutory tax rate under the Tax Act, and 35% in 2017 , as indicated below. (In thousands) Amount Tax Effect Total Year ended December 31, 2019 Unrealized gains (losses): Unrealized holding gains (losses) arising during the period $ 78,744 (5,535 ) 73,209 Reclassification adjustment for (gains) losses included in net income (1,927 ) 405 (1,522 ) Effects on DAC and COIA 81 (17 ) 64 Other comprehensive income (loss) $ 76,898 (5,147 ) 71,751 Year ended December 31, 2018 Unrealized gains (losses): Unrealized holding gains (losses) arising during the period $ (34,357 ) 6,520 (27,837 ) Reclassification adjustment for (gains) losses included in net income (953 ) 200 (753 ) Unrealized gain from held-to-maturity transferred to available-for-sale 3,588 (218 ) 3,370 Effects on DAC and COIA 130 (38 ) 92 Other comprehensive income (loss) $ (31,592 ) 6,464 (25,128 ) Year ended December 31, 2017 Unrealized gains (losses): Unrealized holding gains (losses) arising during the period $ 17,374 (5,379 ) 11,995 Reclassification adjustment for (gains) losses included in net income 546 (191 ) 355 Effects on DAC and COIA 292 (102 ) 190 Other comprehensive income (loss) $ 18,212 (5,672 ) 12,540

Stock Compensation (Tables)

Stock Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Stock Compensation [Abstract]
Share-based Payment Arrangement, Restricted Stock and Restricted Stock Unit, Activity [Table Text Block]	The following table provides a rollforward of restricted stock activity: Restricted Stock Units Units Weighted Average Exercise Price Weighted Average Remaining Contractual Life Aggregate Fair Value (1) (In thousands) (In years) (In thousands) Outstanding at December 31, 2018 119 $ 7.19 1.32 $ 854 Granted 446 7.20 3,212 Less: Vested 201 7.36 1,479 Forfeited 89 7.17 640 Outstanding at December 31, 2019 275 $ 7.09 0.50 $ 1,947 (1) Fair value per share of restricted stock units was equal to Grant Date fair value per share, which was calculated based on the closing price of the Company's Class A common stock on the NYSE on the grant date, in accordance with ASC Topic 718.

Quarterly Financial Informati_2

Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Quarterly Financial Information (Unaudited) [Abstract]
Schedule of Quarterly Financial Information [Table Text Block]	The following table contains selected unaudited financial data for each quarter. (In thousands, except per share amounts) Fourth Quarter Third Quarter Second Quarter First Quarter 2019 Revenues $ 69,806 61,467 56,866 62,406 Benefits and expenses 64,878 59,335 60,189 60,398 Federal income tax expense (benefit) (23 ) 86 1,242 5,810 Net income (loss) 4,951 2,046 (4,565 ) (3,802 ) Net income (loss) available to common shareholders 4,951 2,046 (4,565 ) (3,802 ) Basic & Diluted earnings (losses) per share of Class A common stock 0.10 0.04 (0.09 ) (0.08 ) Basic & Diluted earnings (losses) per share of Class B common stock 0.05 0.02 (0.04 ) (0.04 ) (In thousands, except per share amounts) Fourth Quarter Third Quarter (a) Second Quarter First Quarter 2018 Revenues $ 65,570 61,161 59,842 57,433 Benefits and expenses 67,598 55,599 63,953 54,854 Federal income tax expense (benefit) (596 ) 12,671 (1,553 ) 2,542 Net income (loss) (1,432 ) (7,109 ) (2,558 ) 37 Net income (loss) available to common shareholders (1,432 ) (7,109 ) (2,558 ) 37 Basic & Diluted earnings (losses) per share of Class A common stock (0.03 ) (0.14 ) (0.05 ) — Basic & Diluted earnings (losses) per share of Class B common stock (0.01 ) (0.07 ) (0.03 ) — (a) On July 1, 2018, the Company novated all of the international policies issued by CICA to CICA Ltd., a newly established Bermuda entity that began operations in July 2018. While this novation transaction has been eliminated in consolidation of affiliated entities, there are tax effects reflected in the consolidated financial statements as a result of the transaction being executed between our subsidiaries that reside in different tax jurisdictions. CICA Ltd. is considered a controlled foreign corporation for federal tax purposes. As a result, the insurance activity of CICA Ltd. is subject to Subpart F of the IRC and is included in Citizens’s taxable income which generated $18.4 million of federal income tax expense in 2018. In addition, as of July 1, 2018, we implemented a new actuarial valuation software solution that provides enhanced reporting and modeling capabilities for ordinary whole life and endowment policies of CICA and CICA Ltd., which are included in the Life Insurance segment. The impact of this system conversion resulted in changes in estimates due to refinements based upon our accounting analysis of the circumstances and reflected as a decrease in reserves of $10.2 million and a decrease in DAC of $4.3 million , before tax.

Summary of Significant Accoun_4

Summary of Significant Accounting Policies Financial Statements (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Statutory deposits with state insurance departments	$ 9.6	$ 9.5

Summary of Significant Accoun_5

Summary of Significant Accounting Policies Deferred Acquisition Costs and Cost of Customer Relationships Acquired (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
Deferred Policy Acquisition Costs and Cost of Customer Relationship Acquired [Abstract]
First year commissions, percentage of capitalized deferred acquisition costs									93.60%
New business expense, percentage of capitalized deferred acquisition costs									6.40%
Number of years of available premiums									50 years
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]
Balance at beginning of period				$ 155,747				$ 167,063	$ 155,747	$ 167,063	$ 167,790
Deferred Policy Acquisition Costs, Capitalized Amount									22,255	22,695	29,120
Amortization of deferred policy acquisition costs									(28,268)	(34,235)	(29,690)
Effect of Unrealized (gains) losses									(485)	224	(157)
Balance at end of period	$ 149,249				$ 155,747				149,249	155,747	167,063
Change in Accounting Estimate [Line Items]
Deferred policy acquisition costs	149,249			155,747	155,747			167,063	149,249	155,747	167,063	$ 149,249	$ 155,747
Life insurance												1,218,757	1,179,946
Decrease in future policy benefit reserves									41,712	47,947	76,029
Amortization of deferred policy acquisition costs									28,268	34,235	29,690
Income before federal income tax									5,745	2,002	(2,986)
Federal income tax expense (benefit)	(23)	$ 86	$ 1,242	5,810	(596)	$ 12,671	$ (1,553)	2,542	7,115	13,064	35,141
Net income (loss)	4,951	$ 2,046	$ (4,565)	(3,802)	(1,432)	$ (7,109)	$ (2,558)	$ 37	(1,370)	(11,062)	$ (38,127)
Unusual or Infrequent Item, or Both [Member]
Movement Analysis of Deferred Policy Acquisition Costs [Roll Forward]
Balance at beginning of period				4,339					4,339
Amortization of deferred policy acquisition costs									(1,396)	(4,339)
Balance at end of period	1,396				4,339				1,396	4,339
Change in Accounting Estimate [Line Items]
Deferred policy acquisition costs	$ 1,396			$ 4,339	$ 4,339				1,396	4,339		1,396	4,339
Life insurance												$ 2,299	$ 10,197
Decrease in future policy benefit reserves									(2,299)	(10,197)
Amortization of deferred policy acquisition costs									1,396	4,339
Income before federal income tax									903	5,858
Federal income tax expense (benefit)									190	1,230
Net income (loss)									$ 713	$ 4,628

Summary of Significant Accoun_6

Summary of Significant Accounting Policies Cost of Customer Relationships Acquired (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Number of years of available premiums	50 years
Number of Years-Cost of Customer Relationship Acquired Amortization	5 years
2020	$ 1,237
2021	1,112
2022	1,003
2023	908
2024	822
Thereafter	8,759
Intangible Assets Arising from Insurance Contracts Acquired in Business Combination, Amortization Expense	13,841
Effects of unrealized (gains) losses on CCRA	(386)
Cost of customer relationships acquired	13,455	$ 15,225	$ 17,499	$ 19,415
Amortization	(1,546)	(2,458)	(2,129)
Change in effects of unrealized (gains) losses on CCRA	$ (224)	$ 184	$ 213
Customer Relationships [Member] | Minimum [Member]
Interest Accrual Rate Associated with Amortization Method of Present Value of Future Insurance Profits	3.70%
Customer Relationships [Member] | Maximum [Member]
Interest Accrual Rate Associated with Amortization Method of Present Value of Future Insurance Profits	8.50%

Summary of Significant Accoun_7

Summary of Significant Accounting Policies Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill [Roll Forward]
Balance at January 1,	$ 12,624	$ 12,624	$ 17,255
Impairment	0	0	(4,631)
Balance at December 31,	12,624	12,624	12,624
Life Insurance Segment [Member]
Goodwill [Roll Forward]
Balance at January 1,	12,624	12,624	12,624
Impairment	0	0	0
Balance at December 31,	12,624	12,624	12,624
Home Service Insurance Segment [Member]
Goodwill [Roll Forward]
Balance at January 1,	0	0	4,631
Impairment	0	0	(4,631)
Balance at December 31,	$ 0	$ 0	$ 0

Summary of Significant Accoun_8

Summary of Significant Accounting Policies Property and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 14,459	$ 12,900
Accumulated Depreciation	(8,555)	(6,957)
Property, Plant and Equipment, Net	$ 5,904	5,943
Minimum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Maximum [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Useful Life	30 years
Land, Buildings and Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 4,136	4,136
Office Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	881	963
Computer Equipment [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	8,215	7,710
Automobiles [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	91	91
Real estate and equipment leases [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment, Gross	$ 1,136	$ 0

Summary of Significant Accoun_9

Summary of Significant Accounting Policies Future Policy Benefits and Expenses (Details)	12 Months Ended
	Dec. 31, 2019
Minimum [Member]
Annuity Interest Crediting Rate	2.50%
Interest Credited on Premium Deposits	2.50%
Maximum [Member]
Annuity Interest Crediting Rate	5.50%
Interest Credited on Premium Deposits	6.00%

Summary of Significant Accou_10

Summary of Significant Accounting Policies Participating Policies (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Future Policy benefits on Participating Policies [Line Items]
Participating Policies Additional Income Allocated, Percent	62.20%	62.50%
Minimum [Member]
Future Policy benefits on Participating Policies [Line Items]
Future Policy Benefits on Participating Policies, Weighted Average Interest Rate	3.20%
Number of Years, Future Scaling Rate	1
Minimum [Member] | One Year [Domain] [Domain]
Future Policy benefits on Participating Policies [Line Items]
Weighted Average Discount Rate Percent, Future Scaling Rate	3.59%
Maximum [Member]
Future Policy benefits on Participating Policies [Line Items]
Future Policy Benefits on Participating Policies, Weighted Average Interest Rate	9.00%
Number of Years, Future Scaling Rate	20
Maximum [Member] | Fifteen Years and After [Member]
Future Policy benefits on Participating Policies [Line Items]
Weighted Average Discount Rate Percent, Future Scaling Rate	4.18%

Summary of Significant Accou_11

Summary of Significant Accounting Policies Premium Revenue & Related Expenses (Details)	12 Months Ended
	Dec. 31, 2019
Minimum [Member]
Interest Credited on Premium Deposits	2.50%
Maximum [Member]
Interest Credited on Premium Deposits	6.00%

Summary of Significant Accou_12

Summary of Significant Accounting Policies Earnings Per Share (Details)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share [Abstract]
Basis for Allocating Income to Different Common Stock Classes	The basic and diluted earnings per share of Class B common stock are one half the earnings per share of the Class A common stock.

Summary of Significant Accou_13

Summary of Significant Accounting Policies Accounting Pronouncement (Details) $ in Thousands	Jan. 01, 2018USD ($)
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative Effect of New Accounting Principle in Period of Adoption	$ 0
Tax Cuts and Jobs Act, Reclassification from AOCI to Retained Earnings, Tax Effect	4,700
Accounting Standards Update 2016-01 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Cumulative Effect of New Accounting Principle in Period of Adoption	600
Accounting Standards Update 2018-02 [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Tax Cuts and Jobs Act, Reclassification from AOCI to Retained Earnings, Tax Effect	$ 4,700

Investments Cash, Cash Equivale

Investments Cash, Cash Equivalent and Investments (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Investments, Debt and Equity Securities [Abstract]
Number of investments exceeding stocksholder's equity	0	0
Number of Non-Income Producing Fixed Maturity Securities	0	0
Fixed maturity securities	$ 1,377,959	$ 1,231,039
Fixed maturity securities percent	90.20%	88.70%
Equity securities	$ 16,033	$ 15,068
Equity securities percent	1.10%	1.10%
Policy loans	$ 82,005	$ 80,825
Policy loans percent	5.40%	5.80%
Real estate and other long-term investments	$ 2,956	$ 7,409
Real estate and other long-term investments percent	0.20%	0.50%
Short-term investments	$ 1,301	$ 7,865
Short-term investment percentage	0.10%	0.60%
Cash and cash equivalents	$ 46,205	$ 45,492	$ 46,064	$ 35,510
Cash and cash equivalents percent	3.00%	3.30%
Total cash, cash equivalents and investments	$ 1,526,459	$ 1,387,698
Total cash, cash equivalents and investments percent	100.00%	100.00%
Debt Securities, Held-to-maturity, Transfer, Amount		$ 209,700

Investments Gross Unrealized Ga

Investments Gross Unrealized Gains and Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	$ 1,293,853	$ 1,223,747
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	85,661	18,604
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	1,555	11,312
Debt Securities, Available-for-sale	1,377,959	1,231,039
US Treasury Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	9,709	9,864
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,638	1,410
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	11,347	11,274
US Government Agencies Debt Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	3,516	3,540
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,015	740
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	4,531	4,280
US States and Political Subdivisions Debt Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	512,239	713,991
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	24,285	7,614
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	240	1,490
Debt Securities, Available-for-sale	536,284	720,115
Corporate Debt Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	604,750	384,817
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	46,472	6,725
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	1,134	9,746
Debt Securities, Available-for-sale	650,088	381,796
Commercial Mortgage Backed Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	1,105	39,694
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	0	386
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	5	66
Debt Securities, Available-for-sale	1,100	40,014
Residential Mortgage Backed Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	118,130	66,960
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	12,223	1,726
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	66	2
Debt Securities, Available-for-sale	130,287	68,684
Asset-backed Securities [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	44,302	4,764
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	11	1
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	110	8
Debt Securities, Available-for-sale	44,203	4,757
Foreign Governments [Member]
Debt Securities, Available-for-Sale, Fair Value to Amortized Cost [Abstract]
Debt Securities, Available-for-sale, Amortized Cost	102	117
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	17	2
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	0	0
Debt Securities, Available-for-sale	$ 119	$ 119

Investments Equity Securities (

Investments Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	$ 16,033	$ 15,068
Equity Funds [Member]
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	3,274	2,906
Bond Mutual Funds [Member]
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	12,311	11,774
Common Stock [Member]
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	134	94
Nonredeemable Preferred Stock [Member]
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	$ 314	$ 294

Investments Unrealized Losses L

Investments Unrealized Losses Less Than and Greater Than 12 Months (Details) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 125,756	$ 475,919
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 1,261	$ 9,727
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	133	442
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	$ 5,721	$ 43,925
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ 294	$ 1,585
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	14	58
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 131,477	$ 519,844
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 1,555	$ 11,312
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	147	500
US States and Political Subdivisions Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 24,064	$ 227,132
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 163	$ 883
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	24	233
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	$ 1,961	$ 33,891
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ 77	$ 607
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	6	46
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 26,025	$ 261,023
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 240	$ 1,490
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	30	279
Corporate Debt Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 62,897	$ 230,030
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 918	$ 8,770
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	69	191
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	$ 3,669	$ 9,936
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ 216	$ 976
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	5	8
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 66,566	$ 239,966
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 1,134	$ 9,746
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	74	199
Commercial Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 1,100	$ 14,992
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 5	$ 66
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	2	11
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	$ 0	$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ 0	$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 1,100	$ 14,992
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 5	$ 66
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	2	11
Residential Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 1,656	$ 18
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 65	$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	11	3
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	$ 91	$ 98
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ 1	$ 2
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	3	4
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 1,747	$ 116
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 66	$ 2
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	14	7
Asset-backed Securities [Member]
Debt Securities, Available-for-sale [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	$ 36,039	$ 3,747
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ 110	$ 8
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	27	4
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	$ 0	$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$ 0	$ 0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 36,039	$ 3,747
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	$ 110	$ 8
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	27	4

Investments Maturity Distributi

Investments Maturity Distribution of Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Securities, Available-for-sale, Amortized Cost, Fiscal Year Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, within One Year, Amortized Cost Basis	$ 122,544
Available-for-sale Securities, Debt Maturities, after One through Five Years, Amortized Cost Basis	106,106
Available-for-sale Securities, Debt Maturities, after Five through Ten years, Amortized Cost Basis	215,718
Debt Securities, Available-for-sale, Allocated and Single Maturity Date, Maturity, after 10 Years, Amortized Cost	849,485
Debt Securities, Available-for-sale, Amortized Cost	1,293,853	$ 1,223,747
Debt Securities, Available-for-sale, Fair Value, Fiscal Year Maturity [Abstract]
Available-for-sale Securities, Debt Maturities, within One Year, Fair Value	123,391
Available-for-sale Securities, Debt Maturities, after One through Five Years, Fair Value	111,107
Available-for-sale Securities, Debt Maturities, after Five through Ten Years, Fair Value	230,069
Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, after 10 Years, Fair Value	913,392
Debt Securities, Available-for-sale	$ 1,377,959	$ 1,231,039

Investments Net Investment Inco

Investments Net Investment Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net Investment Income [Line Items]
Total investment income	$ 61,360	$ 56,482	$ 54,762
Investment expense	(1,829)	(2,277)	(1,616)
Net investment income	59,531	54,205	53,146
Debt Securities [Member]
Net Investment Income [Line Items]
Investment income	53,860	49,126	48,164
Equity Securities [Member]
Net Investment Income [Line Items]
Investment income	662	722	708
Policy Loans [Member]
Net Investment Income [Line Items]
Investment income	6,451	6,210	5,735
Other Long-term Investments [Member]
Net Investment Income [Line Items]
Investment income	13	15	87
Other [Member]
Net Investment Income [Line Items]
Investment income	$ 374	$ 409	$ 68

Investments Realized Gain (Loss

Investments Realized Gain (Loss) on Investments (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Gain (Loss) on Securities [Line Items]
Increase (Decrease) in Equity Securities, FV-NI	$ 0	$ 9
Sale of fixed maturities, available-for-sale	66,900	38,823	$ 1,077
Proceeds from sale of equity securities, FV-NI		0
Proceeds from Sale of Available-for-sale Securities, Equity			1,940
Equity Securities, FV-NI, Realized Gain	0	0
Equity Securities, FV-NI, Realized Loss	0	0
Gain (Loss) on Sale of Properties	5,513	0	1,110
Gain (Loss) on Disposition of Property Plant Equipment	(48)	(80)	0
Gain (Loss) on Investments, Excluding Other than Temporary Impairments	(7,392)	(1,712)	(725)
Equity Securities, FV-NI, Unrealized Gain (Loss)	962	(828)	0
Other-than-temporary Impairment Losses on Other Long-Term Investments	3,105	0	0
Realized loss on Other than Temporary Impairments	(3,105)	(776)	(207)
Realized investment gains, net	5,249	108	518
Proceeds from Sale of Property, Plant, and Equipment	16	89	41
Impairment loss, Real Estate, Portion Recognized in Earnings	3,100
Equity Securities [Member]
Gain (Loss) on Securities [Line Items]
Available-for-sale Securities, Gross Realized Gains			0
Available-for-sale Securities, Gross Realized Losses			(30)
Equity Securities, FV-NI, Realized Gain (Loss)	0	0
Gain (Loss) on Sale of Equity Securities			121
Other Than Temporary Impairment Losses on Debt and Equity Securities	0	0	(207)
Debt Securities [Member]
Gain (Loss) on Securities [Line Items]
Available-for-sale Securities, Gross Realized Gains	2,538	1,301	19
Available-for-sale Securities, Gross Realized Losses	(973)	(653)	(16)
Gain (Loss) on Sales, Calls and Maturities of Fixed Maturities	1,927	1,792	(506)
Other Than Temporary Impairment Losses on Debt and Equity Securities	$ 0	$ (776)	$ 0
Available-for-sale Securities [Member]
Gain (Loss) on Securities [Line Items]
Number of Debt Securities Sold	68	41
Held-to-maturity Securities [Member]
Gain (Loss) on Securities [Line Items]
Number of Debt Securities Sold		0	0
Life Insurance Segment [Member]
Gain (Loss) on Securities [Line Items]
Gain (Loss) on Sale of Properties	$ 5,500
Realized investment gains, net	6,795	$ 358	$ (461)
Proceeds from Sale of Property, Plant, and Equipment	7,500
Home Service Insurance Segment [Member]
Gain (Loss) on Securities [Line Items]
Gain (Loss) on Sale of Properties		1,100
Realized investment gains, net	$ 1,470	(46)	$ 979
Proceeds from Sale of Property, Plant, and Equipment		$ 3,250

Fair Value Measurements (Detail

Fair Value Measurements (Details)	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 16,033,000	$ 15,068,000
Assets, Fair Value Disclosure	1,393,992,000	1,246,107,000
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3	0	0
Fair Value Measurement with Unobservable Inputs reconciliation, Recurring Basis, Asset, Transfers into Level 3	$ 0	0
Percent of Level 2 Debt Maturity to Total Reported Fair Value of Financial Assets	98.00%
Number of Material Changes to Investment Valuation Method or Assumptions	0
Number of Third Party Pricing Changes	0
Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	$ 27,433,000	26,389,000
Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	1,366,559,000	1,219,718,000
Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, Fair Value Disclosure	0	0
US Treasury and Government [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	15,878,000	15,554,000
US Treasury and Government [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	11,348,000	11,274,000
US Treasury and Government [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	4,530,000	4,280,000
US Treasury and Government [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	536,284,000	720,115,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	536,284,000	720,115,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Corporate Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	650,088,000	381,796,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	52,000	47,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	650,036,000	381,749,000
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Commercial Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,100,000	40,014,000
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,100,000	40,014,000
Commercial Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Residential Mortgage Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	130,287,000	68,684,000
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	130,287,000	68,684,000
Residential Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Asset-backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	44,203,000	4,757,000
Asset-backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Asset-backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	44,203,000	4,757,000
Asset-backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Foreign Governments [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	119,000	119,000
Foreign Governments [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Foreign Governments [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	119,000	119,000
Foreign Governments [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Debt Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,377,959,000	1,231,039,000
Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	11,400,000	11,321,000
Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	1,366,559,000	1,219,718,000
Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale Securities, Fair Value Disclosure	0	0
Stock Mutual Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	3,274,000	2,906,000
Stock Mutual Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	3,274,000	2,906,000
Stock Mutual Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Stock Mutual Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Bond Mutual Funds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	12,311,000	11,774,000
Bond Mutual Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	12,311,000	11,774,000
Bond Mutual Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Bond Mutual Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Common Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	134,000	94,000
Common Stock [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	134,000	94,000
Common Stock [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Common Stock [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Nonredeemable Preferred Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	314,000	294,000
Nonredeemable Preferred Stock [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	314,000	294,000
Nonredeemable Preferred Stock [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Nonredeemable Preferred Stock [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Equity Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	16,033,000	15,068,000
Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	16,033,000	15,068,000
Equity Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Equity Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 0	$ 0

Fair Value Measurements Financi

Fair Value Measurements Financial Instruments not Carried at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Assets, Fair Value Disclosure	$ 1,393,992	$ 1,246,107
Financial Assets
Policy loans	82,005	80,825
Short-term investments	1,301	7,865
Cash and cash equivalents, at carrying value	46,205	45,492	$ 46,064	$ 35,510
Other long-term investments	385	208
Financial Liabilities
Liability for future policy benefits individual and group annuities	$ 76,380	$ 76,377
Insurance policy loans interest rate	7.70%	7.70%
Mortgage loans on real estate, interest rate	6.40%	6.60%
Mortgage loan maturity lower end range	19 years
Mortgage loan maturity higher end range	23 years
Mortgage loans interest rate used to estimate fair value	6.25%	6.25%
Fair value minimum interest rate of investment contract	1.67%	2.70%
Fair value maximum rate of investment contract	3.02%	3.80%
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Financial Assets
Policy loans	$ 82,005	$ 80,825
Mortgage Loans on Real Estate, Commercial and Consumer, Net	177	186
Short-term investments	1,301	7,865
Cash and cash equivalents, at carrying value	46,205	45,492
Investment in Federal Home Loan Bank Stock, Fair Value Disclosure	187
Other Assets, Fair Value Disclosure	21
Other long-term investments	385
Financial Liabilities
Liability for future policy benefits individual and group annuities	56,878	56,658
Estimate of Fair Value, Fair Value Disclosure [Member]
Financial Assets
Policy loans	82,005	80,825
Mortgage Loans on Real Estate, Commercial and Consumer, Net	210	222
Short-term investments	1,301	7,865
Cash and cash equivalents, fair value disclosure	46,205	45,492
Financial Liabilities
Liability for future policy benefits individual and group annuities	$ 60,667	$ 55,977

Policy Liabilities and Short _3

Policy Liabilities and Short Duration Contracts Policy Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Insurance [Abstract]
Policy claims payable at January 1	$ 7,614	$ 8,610	$ 9,538
Reinsurance recoverable	511	367	407
Net balance policy claims payable at January 1	7,103	8,243	9,131
Claims incurred related to current year	26,816	24,793	25,036
Claims incurred related to prior years	543	(197)	(209)
Total claims incurred	27,359	24,596	24,827
Claims paid related to current year	20,629	18,933	18,037
Claims paid related to prior years	6,570	6,803	7,678
Total claims paid	27,199	25,736	25,715
Policy claims payable at December 31	8,059	7,614	8,610
Reinsurance recoverable	796	511	367
Net balance policy claims payable at December 31	$ 7,263	$ 7,103	$ 8,243

Reinsurance (Details)

Reinsurance (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Maximum Retention of Life Insurance Face Amount	$ 100,000	$ 100,000
Reinsurance Retention Policy, Reinsured Risk, Percentage	100.00%
Maximum Amount of Casualty Reinsurance for First Catastrophe	$ 10,000,000	10,000,000
Reinsurance Deductible for First Catastrophe	$ 500,000	500,000
Percentage Amount of Coinsurance for Accident and Health Insurance Reinsurance	100.00%
Reinsurance Recoverable on Claims Payable and Future Policy Benefit Reserves	$ 3,696,000	3,664,000
Maximum Amount of Casualty Reinsurance for Second Catastrophy	10,000,000	10,000,000
Reinsurance Deductible for Second Catastrophy	500,000	500,000
Assumed Premiums, Life Insurance in Force	4,892,000	5,202,000	$ 5,564,000
Aggregate ceded life insurance in force	486,937,000	490,295,000	503,685,000
Premiums, Net, Life Insurance in Force	4,246,781,000	4,350,538,000	4,469,735,000
Direct Premiums Earned	187,009,000	191,561,000	200,711,000
Assumed Premiums Earned	99,000	99,000	142,000
Net reinsurance premiums earned	178,351,000	181,825,000	191,342,000
Premiums Earned, Net	184,347,000	187,860,000	197,720,000
Claims and surrenders assumed	141,000	159,000	247,000
Claims and surrenders ceded	(940,000)	(705,000)	(946,000)
Property and Casualty, Personal Insurance [Member]
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Direct Premiums Earned	6,804,000	6,840,000	6,933,000
Assumed Premiums Earned	0	0	0
Payments for Reinsurance	808,000	804,000	781,000
Net reinsurance premiums earned	5,996,000	6,036,000	6,152,000
Life and Accident & Health Product Lines [Member]
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Direct Premiums Earned	180,205,000	184,721,000	193,778,000
Assumed Premiums Earned	99,000	99,000	142,000
Payments for Reinsurance	1,953,000	2,996,000	2,352,000
Net reinsurance premiums earned	$ 178,351,000	$ 181,824,000	$ 191,568,000

Stockholders' Equity and Rest_4

Stockholders' Equity and Restrictions Change in Common Shares (Details) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Treasury Stock [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	(3,136,000)	(3,136,000)	(3,136,000)	(3,136,000)
Stock Issued During Period, Shares, Period Increase (Decrease)	0	0	0
Common Stock Class A [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	52,364,993	52,215,852	52,216,000	52,216,000
Stock Issued During Period, Shares, Period Increase (Decrease)	149,000	0	0
Common Stock Class B [Member]
Class of Stock [Line Items]
Common Stock, Shares, Issued	1,001,714	1,001,714	1,002,000	1,002,000
Stock Issued During Period, Shares, Period Increase (Decrease)	0	0	0

Stockholders' Equity and Rest_5

Stockholders' Equity and Restrictions Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net Income (Loss) Attributable to Parent	$ 4,951	$ 2,046	$ (4,565)	$ (3,802)	$ (1,432)	$ (7,109)	$ (2,558)	$ 37	$ (1,370)	$ (11,062)	$ (38,127)
Weighted Average Number of Shares Outstanding, Basic									50,216	50,082	50,082
Weighted Average Number of Shares Outstanding, Diluted									50,349	50,141	50,082
Common Stock Class A [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net Income (Loss) Available to Common Stockholders, Basic									$ (1,356)	$ (10,950)	$ (37,742)
Net Income (Loss) Available to Common Stockholders, Diluted									$ (1,356)	$ (10,950)	$ (37,742)
Weighted Average Number of Shares Outstanding, Basic									49,214	49,080	49,080
Weighted Average Number of Shares Outstanding, Diluted									49,347	49,139	49,080
Basic and diluted earnings (losses) per share common stock	$ 0.10	$ 0.04	$ (0.09)	$ (0.08)	$ (0.03)	$ (0.14)	$ (0.05)	$ 0	$ (0.03)	$ (0.22)	$ (0.77)
Common Stock Class B [Member]
Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items]
Net Income (Loss) Available to Common Stockholders, Basic									$ (14)	$ (112)	$ (385)
Net Income (Loss) Available to Common Stockholders, Diluted									$ (14)	$ (112)	$ (385)
Weighted Average Number of Shares Outstanding, Basic and Diluted									1,002	1,002	1,002
Basic and diluted earnings (losses) per share common stock	$ 0.05	$ 0.02	$ (0.04)	$ (0.04)	$ (0.01)	$ (0.07)	$ (0.03)	$ 0	$ (0.01)	$ (0.11)	$ (0.38)

Stockholders' Equity and Rest_6

Stockholders' Equity and Restrictions (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Stockholders' Equity Note [Abstract]
Number of Classes of Common Stock	2
Statutory Accounting Practices [Line Items]
Statutory Amount Available for Dividend Payments, Percentage of Net Surplus	10.00%
Combined statutory stockholders' equity	$ 47,230,000	$ 54,027,000
Combined statutory net income (loss)	(1,651,000)	17,603,000	$ 4,331,000
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 0
Allowed Dividend Payment, Foreign Regulation, Percent	25.00%
Allowed Reduction in Statutory Capital, Percent	15.00%
Life Insurance operations [Member]
Statutory Accounting Practices [Line Items]
Combined statutory stockholders' equity	$ 40,932,000	47,274,000
Combined statutory net income (loss)	(1,200,000)	17,872,000	4,179,000
Property Insurance operations [Member]
Statutory Accounting Practices [Line Items]
Combined statutory stockholders' equity	6,298,000	6,753,000
Combined statutory net income (loss)	(451,000)	(269,000)	$ 152,000
CICA Life Insurance Company of America [Member]
Statutory Accounting Practices [Line Items]
Combined statutory stockholders' equity	37,800,000
Combined statutory net income (loss)	(700,000)
CICA Life Ltd. [Member]
Statutory Accounting Practices [Line Items]
Combined statutory stockholders' equity	94,300,000	34,300,000
Combined statutory net income (loss)	7,600,000	$ 9,100,000
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 4,500,000

Commitments and Contingencies_2

Commitments and Contingencies (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Loss Contingencies [Line Items]
Total costs to remediate IRC Section 7702 issue	$ 10	$ 10
Other Commitments, Description	On May 17, 2017, we submitted an offer to enter into Closing Agreements with the IRS covering certain CICA and CNLIC domestic life insurance policies (the "Closing Agreements"), which was accepted by the IRS on June 7, 2019. Pursuant to the Closing Agreements, CICA and CNLIC agreed to pay the IRS $123,779 and $4,118, respectively, by August 6, 2019, and follow the corrective steps for the policies outlined in the Closing Agreements by September 5, 2019. These payments were made to the IRS on July 12, 2019.
Minimum [Member]
Loss Contingencies [Line Items]
Cost Range to Remediate IRC Section 7702 Issue	$ 7.4
Maximum [Member]
Loss Contingencies [Line Items]
Cost Range to Remediate IRC Section 7702 Issue	$ 52.5

Commitments and Contingencies_3

Commitments and Contingencies Lease Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Jan. 01, 2019
Operating Lease, Liability	$ 1,130	$ 1,800
Lessee, Operating Lease, Discount Rate		4.76%
Operating Lease, Right-of-Use Asset		$ 1,800
Operating Lease, Weighted Average Remaining Lease Term	1 year 1 month 6 days
Lessee, Operating Lease, Liability, Payments, Remainder of Fiscal Year	$ 946
Lessee, Operating Lease, Liability, Payments, Due Year Two	174
Lessee, Operating Lease, Liability, Payments, Due Year Three	32
Lessee, Operating Lease, Liability, Payments, Due Year Four	0
Lessee, Operating Lease, Liability, Payments, Due Year Five	0
Lessee, Operating Lease, Liability, Payments, Due after Year Five	0
Lessee, Operating Lease, Liability, Payments, Due	1,152
Operating Lease, Interest Expense	(22)
Operating Lease, Expense	$ 1,600
Lessee, Operating Lease, Lease Not yet Commenced, Description	The long-term lease will commence after construction of the building is complete and has a 121-month term, and therefore is not included in the tables above. Payments under the new long-term lease agreement will average approximately $0.1 million per month.
Lessee, Operating Lease, Lease Not yet Commenced, Assumption and Judgement, Value of Underlying Asset, Amount	$ 13,500
CICA Life Ltd. [Member]
Fair Value, Investments, Entities that Calculate Net Asset Value Per Share, Unfunded Commitments	$ 40,000

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments									2
Segment Reporting, Measurement Differences Between Segment and Consolidated Profit (Loss)									The Company's Other Non-insurance operations are the only difference between segments and reported consolidated operations.
Ordinary life									$ 178,351	$ 181,825	$ 191,342
Accident and health									1,383	1,218	1,392
Property									4,613	4,817	4,986
Net investment income									59,531	54,205	53,146
Realized investment gains (losses), net									5,249	108	518
Other income									1,418	1,833	1,243
Total revenue	$ 69,806	$ 61,467	$ 56,866	$ 62,406	$ 65,570	$ 61,161	$ 59,842	$ 57,433	250,545	244,006	252,627
claims and surrenders									106,827	91,103	82,905
Increase in future policy benefit reserves									41,712	47,947	76,029
Policyholders' dividends									6,040	6,362	6,268
Total insurance benefits paid or provided									154,579	145,412	165,202
Commissions									34,222	34,962	41,324
Other general expenses									48,440	47,632	46,388
Deferred policy acquisition costs, capitalized amount									(22,255)	(22,695)	(29,120)
Amortization of deferred policy acquisition costs									28,268	34,235	29,690
Amortization of cost of customer relationships acquired									1,546	2,458	2,129
Total benefits and expenses	64,878	$ 59,335	$ 60,189	$ 60,398	67,598	$ 55,599	$ 63,953	$ 54,854	244,800	242,004	255,613
Income (loss) before income tax expense									5,745	2,002	(2,986)
Total assets	1,744,936				1,615,561				1,744,936	1,615,561
Premiums Earned, Net									184,347	187,860	197,720
Reinsurance Costs and Recoveries, Net									(2,662)	(3,701)	(2,991)
All Countries [Domain]
Segment Reporting Information [Line Items]
Premiums Earned, Net									184,347	187,860	197,720
United States
Segment Reporting Information [Line Items]
Premiums Earned, Net									53,656	53,836	54,737
Colombia
Segment Reporting Information [Line Items]
Premiums Earned, Net									26,768	27,605	29,200
Venezuela
Segment Reporting Information [Line Items]
Premiums Earned, Net									22,353	24,783	27,997
Taiwan
Segment Reporting Information [Line Items]
Premiums Earned, Net									19,403	18,888	19,535
Ecuador
Segment Reporting Information [Line Items]
Premiums Earned, Net									14,198	15,187	16,440
Argentina
Segment Reporting Information [Line Items]
Premiums Earned, Net									10,069	9,960	10,534
South America [Member]
Segment Reporting Information [Line Items]
Premiums Earned, Net									40,562	41,302	42,268
Life Insurance Segment [Member]
Segment Reporting Information [Line Items]
Ordinary life									136,941	140,566	149,957
Accident and health									725	580	751
Property									0	0	0
Net investment income									44,779	39,985	38,578
Realized investment gains (losses), net									6,795	358	(461)
Other income									1,412	1,833	1,061
Total revenue									190,652	183,322	189,886
claims and surrenders									82,964	69,149	60,393
Increase in future policy benefit reserves									39,873	43,671	70,783
Policyholders' dividends									6,004	6,316	6,226
Total insurance benefits paid or provided									128,841	119,136	137,402
Commissions									20,128	20,079	25,760
Other general expenses									23,012	18,718	18,597
Deferred policy acquisition costs, capitalized amount									(17,448)	(17,194)	(23,157)
Amortization of deferred policy acquisition costs									23,832	29,915	25,295
Amortization of cost of customer relationships acquired									492	583	595
Total benefits and expenses									178,857	171,237	184,492
Income (loss) before income tax expense									11,795	12,085	5,394
Total assets	1,284,844				1,174,769				1,284,844	1,174,769
Home Service Insurance Segment [Member]
Segment Reporting Information [Line Items]
Ordinary life									41,410	41,259	41,385
Accident and health									658	638	641
Property									4,613	4,817	4,986
Net investment income									13,058	13,125	13,132
Realized investment gains (losses), net									1,470	(46)	979
Other income									4	(1)	3
Total revenue									61,213	59,792	61,126
claims and surrenders									23,863	21,954	22,512
Increase in future policy benefit reserves									1,839	4,276	5,246
Policyholders' dividends									36	46	42
Total insurance benefits paid or provided									25,738	26,276	27,800
Commissions									14,094	14,883	15,564
Other general expenses									19,517	20,435	23,395
Deferred policy acquisition costs, capitalized amount									(4,807)	(5,501)	(5,963)
Amortization of deferred policy acquisition costs									4,436	4,320	4,395
Amortization of cost of customer relationships acquired									1,054	1,875	1,534
Total benefits and expenses									60,032	62,288	66,725
Income (loss) before income tax expense									1,181	(2,496)	(5,599)
Total assets	391,366				369,563				391,366	369,563
Other Non-Insurance Enterprises [Member]
Segment Reporting Information [Line Items]
Ordinary life									0	0	0
Accident and health									0	0	0
Property									0	0	0
Net investment income									1,694	1,095	1,436
Realized investment gains (losses), net									(3,016)	(204)	0
Other income									2	1	179
Total revenue									(1,320)	892	1,615
claims and surrenders									0	0	0
Increase in future policy benefit reserves									0	0	0
Policyholders' dividends									0	0	0
Total insurance benefits paid or provided									0	0	0
Commissions									0	0	0
Other general expenses									5,911	8,479	4,396
Deferred policy acquisition costs, capitalized amount									0	0	0
Amortization of deferred policy acquisition costs									0	0	0
Amortization of cost of customer relationships acquired									0	0	0
Total benefits and expenses									5,911	8,479	4,396
Income (loss) before income tax expense									(7,231)	(7,587)	$ (2,781)
Total assets	$ 68,726				$ 71,229				$ 68,726	$ 71,229
Home Service Marketing Distribution System [Member] [Member] | Home Service Insurance Segment [Member]
Segment Reporting Information [Line Items]
Entity Number of Employees	223								223
Funeral Homes & Independent Agents [Member] | Home Service Insurance Segment [Member]
Segment Reporting Information [Line Items]
Entity Number of Employees	221								221

Income Tax (Details)

Income Tax (Details) - USD ($)	Jan. 01, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Operating Loss Carryforwards [Line Items]
Deferred Tax Assets, Valuation Allowance		$ 0	$ 0
Deferred Tax Assets, Capital Loss Carryforwards		$ 0
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent		21.00%	21.00%	35.00%
Tax Cuts and Jobs Act, Reclassification from AOCI to Retained Earnings, Tax Effect	$ 4,700,000
Eligibility Date to File with Consolidated Federal Income Tax Return		Dec. 31, 2020
Magnolia Guaranty Life Insurance Company [Member]
Operating Loss Carryforwards [Line Items]
Operating Loss Carryforwards		$ 1,100,000
Operating Loss Carryforwards, Expiration Date		Dec. 31, 2036
Deferred Tax Assets, Capital Loss Carryforwards		$ 21,000
Capital loss carryforward, expiration date		Dec. 31, 2023

Income Taxes Details (Details)

Income Taxes Details (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Effective income tax rate, foreign income tax rate, percent									0.00%
Unrecognized Tax Benefits, Excluding Bond Premium Amortization, Decrease Resulting from Prior Period Tax Position										$ 50,800
Income Tax Expense (Benefit)	$ (23)	$ 86	$ 1,242	$ 5,810	$ (596)	$ 12,671	$ (1,553)	$ 2,542	$ 7,115	$ 13,064	$ 35,141
Effective Income Tax Rate Reconciliation, Percent									126.00%	652.60%	(1176.80%)

Income Taxes Reconciliation of

Income Taxes Reconciliation of Expected Federal Tax Expense to Actual (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Expected Tax Expense									$ 1,186	$ 420	$ (1,045)
Expected tax expense (benefit), percent									21.00%	21.00%	35.00%
Foreign income tax differential									$ (1,562)	$ (8,133)	$ 0
Foreign income tax differential, percent									(27.70%)	(406.30%)	0.00%
Tax-exempt interest and dividends-received deductions									$ (145)	$ (227)	$ (360)
Tax-exempt interest and dividends-received deductions, percent									(2.60%)	(11.30%)	12.10%
Adjustment of prior year income taxes									$ (99)	$ 113	$ 68
Adjustment of prior year income taxes, percent									(1.80%)	5.60%	(2.30%)
Effect of graduated rates									$ 0	$ 0	$ (140)
Effect of graduated rates, percent									0.00%	0.00%	4.70%
Effect of uncertain tax position									$ 1,148	$ 2,612	$ (355)
Effect of uncertain tax position, percent									20.30%	130.50%	11.90%
Nondeductible costs to remediate tax compliance issue									$ (27)	$ (366)	$ (384)
Nondeductible costs to remediate tax compliance issue, percent									(0.50%)	(18.30%)	12.90%
Federal Income Tax Rate Reconciliation, 162(m) Compensation Limitation									$ 480	$ 53	$ 0
Federal Income Tax Rate Reconciliation, 162(m) Compensation Limitation, Percent									8.50%	2.60%	0.00%
Subpart F Income									$ 5,853	$ 18,403	$ 0
Subpart F Income, Percent									103.60%	919.20%	0.00%
Tax reform re-measurement									$ 0	$ 68	$ 35,718
Tax reform re-measurement, percent									0.00%	3.40%	(1196.20%)
Goodwill impairment									$ 0	$ 0	$ 1,621
Goodwill impairment, percent									0.00%	0.00%	(54.30%)
Other Reconciling Items									$ 281	$ 121	$ 18
Other reconciling items, percent									5.20%	6.20%	(0.60%)
Federal income tax expense	$ (23)	$ 86	$ 1,242	$ 5,810	$ (596)	$ 12,671	$ (1,553)	$ 2,542	$ 7,115	$ 13,064	$ 35,141
Effective Income Tax Rate Reconciliation, Percent									126.00%	652.60%	(1176.80%)

Income Taxes Components of Inco

Income Taxes Components of Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Current Income Tax Expense									$ 5,542	$ (49,569)	$ 14,454
Deferred Income Tax Expense									1,573	62,633	20,687
Federal income tax expense	$ (23)	$ 86	$ 1,242	$ 5,810	$ (596)	$ 12,671	$ (1,553)	$ 2,542	$ 7,115	$ 13,064	$ 35,141

Income Taxes Deferred Tax Asset

Income Taxes Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Deferred Tax Assets, Future Policy Benefit Reserves	$ 2,641	$ 2,795
Deferred Tax Asset from Net Operating Loss and Capital Loss Carryforwards	230	191
Deferred Tax Assets, Investments	702	1,841
Deferred Tax Asset, Deferred Intercompany Loss	3,539	5,190
Deferred Tax Assets, Lease Assets	238	0
Deferred Tax Assets, Other	700	339
Deferred Tax Assets, Gross	8,050	10,356
Deferred Tax Liabilty from Deferred Acquisition Cost, Value of Business Acquired and Other Intangibles	(8,417)	(8,745)
Deferred Tax Liabilities, Investments	(7,300)	(1,968)
Deferred Tax Liability, Tax Reserves Transition Liability under TCJA	(4,483)	(4,864)
Deferred Tax Liabilities, Leasing Arrangements	(238)	0
Deferred Tax Liabilities, Other	(40)	(488)
Gross deferred federal income taxes	(20,478)	(16,065)
Deferred Tax Liabilities, Net	$ (12,428)	$ (5,709)

Income Taxes Changes in Net Def

Income Taxes Changes in Net Deferred Tax Liability (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Deferred tax assets, net			$ 50,797
Deferred Income Tax Expense (Benefit)	$ (1,573)	$ (62,633)
Other Comprehensive Income (Loss), Securities, Available-for-sale, Tax	(5,129)	6,153
Deferred Tax from Change in Unrealized Gain Loss Atributible to Deferred Acquisition Costs and Value of Business Acquired	(17)	(26)
Deferred Tax Liabilities, Net	$ (12,428)	$ (5,709)

Income Taxes Unrecognized Tax B

Income Taxes Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]
Unrecognized Tax Benefits	$ 45,989				$ 44,841				$ 45,989	$ 44,841	$ 95,831	$ 85,762
Unrecognized Tax Benefits, Additions Based on Tax Positions Related to Current Year									0	0	7,384
Unrecognized Tax Benefits, Additions for Tax Positions of Prior Years									1,148	2,268	2,685
Unrecognized Tax Benefits, Reductions for Tax Positions of Prior Years									0	(53,258)	0
Unrecognized Tax Benefits, Interest on Income Taxes Expense									9,900	8,800	6,500
Income Tax Expense (Benefit)	$ (23)	$ 86	$ 1,242	$ 5,810	$ (596)	$ 12,671	$ (1,553)	$ 2,542	7,115	13,064	35,141
Interest on Prior Year Income Tax Expense [Member]
Significant Change in Unrecognized Tax Benefits is Reasonably Possible [Line Items]
Income Tax Expense (Benefit)									$ 1,100	$ 2,300	$ 800

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Equity [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	21.00%	35.00%
Other Comprehensive Income (Loss), Net of Tax
Unrealized holding gains (losses) arising during the period. before tax	$ 78,744	$ (34,357)	$ 17,374
Unrealized holding gains (losses) arising during the period, tax effect	(5,535)	6,520	(5,379)
Unrealized holding gains (losses) arising during the period, net of tax	73,209	(27,837)	11,995
Reclassification adjustment for (gains) losses included in net income	(1,927)	(953)	546
Reclassification adjustment for (gains) losses included in net income, tax effect	405	200	(191)
Reclassification adjustment for (gains) losses included in net income, net of tax	(1,522)	(753)	355
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax		3,588
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Tax		(218)
Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Net of Tax		3,370
Effects on DAC and CCRA, before tax	81	130	292
Effects on DAC and CCRA, tax effect	(17)	(38)	(102)
Effects on DAC and CCRA, net of tax	64	92	190
Unrealized gains (losses) arising during period, net	76,898	(31,592)	18,212
Other Comprehensive Income (Loss), Tax, Portion Attributable to Parent	(5,147)	6,464	(5,672)
Other comprehensive income (loss)	$ 71,751	$ (25,128)	$ 12,540

Stock Compensation (Details)

Stock Compensation (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Jan. 01, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant			3,000
Share-based Payment Arrangement, Expense	$ 2,200
Share-based Payment Arrangement, Unrecognized Expense	$ 1,000
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Date	1 year 1 month 6 days
Employee Benefits and Share-based Compensation	$ 2,100	$ 400
Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	275	119
Share-based Payment Arrangement, Option, Exercise Price Range, Outstanding, Weighted Average Exercise Price	$ 7.09	$ 7.19
Share-based Payment Arrangement, Option, Exercise Price Range, Outstanding, Weighted Average Remaining Contractual Term	6 months	1 year 3 months 26 days
Share-based compensation arrangement by share-based payment award, equity instruments other than options, nonvested, weighted average	$ 1,947	$ 854
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	446
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price	$ 7.20
Share-based compensation arrangement by share-based payment award, equity instrument other than options, grants in period, weighted average grant date fair value	$ 3,212
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period	201
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price	$ 7.36
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Fair Value	$ 1,479
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period	(89)
Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price	$ 7.17
Share-based compensation arrangement by share-based payment, equity instruments other than options, forfeiture, weighted average	$ (640)

Benefit Plans (Details)

Benefit Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Benefit Plans [Abstract]
Employer contributions to profit-sharing plan	$ 0	$ 0	$ 0
Expense related to new 401(k) plan	800,000	$ 700,000	$ 700,000
Stop loss coverage on self-insured plan	$ 120,000

Related Party Transactions Rela

Related Party Transactions Related Party (Details)	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Related Party Parental Guarantee, Terms of Agreement	As part of this transaction, the Company agreed to infuse capital into CICA as required by the Colorado Department of Insurance to keep CICA's risk-based capital above 350% in any future calendar year-end periods.

Quarterly Financial Informati_3

Quarterly Financial Information (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Revenues	$ 69,806	$ 61,467	$ 56,866	$ 62,406	$ 65,570	$ 61,161	$ 59,842	$ 57,433	$ 250,545	$ 244,006	$ 252,627
Benefits and expenses	64,878	59,335	60,189	60,398	67,598	55,599	63,953	54,854	244,800	242,004	255,613
Federal income tax expense (benefit)	(23)	86	1,242	5,810	(596)	12,671	(1,553)	2,542	7,115	13,064	35,141
Net income (loss)	4,951	2,046	(4,565)	(3,802)	(1,432)	(7,109)	(2,558)	37	(1,370)	(11,062)	(38,127)
Subpart F Income									5,853	18,403	0
Increase in future policy benefit reserves									41,712	47,947	76,029
Deferred policy acquisition costs	149,249				155,747				$ 149,249	$ 155,747	$ 167,063	$ 167,790
Common Stock [Member]
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$ 4,951	$ 2,046	$ (4,565)	$ (3,802)	$ (1,432)	$ (7,109)	$ (2,558)	$ 37
Common Stock Class A [Member]
Basic and diluted earnings (losses) per share common stock	$ 0.10	$ 0.04	$ (0.09)	$ (0.08)	$ (0.03)	$ (0.14)	$ (0.05)	$ 0	$ (0.03)	$ (0.22)	$ (0.77)
Common Stock Class B [Member]
Basic and diluted earnings (losses) per share common stock	$ 0.05	$ 0.02	$ (0.04)	$ (0.04)	$ (0.01)	$ (0.07)	$ (0.03)	$ 0	$ (0.01)	$ (0.11)	$ (0.38)
Unusual or Infrequent Item, or Both [Member]
Federal income tax expense (benefit)									$ 190	$ 1,230
Net income (loss)									713	4,628
Increase in future policy benefit reserves									(2,299)	(10,197)
Deferred policy acquisition costs	$ 1,396				$ 4,339				$ 1,396	$ 4,339

Financial Schedules Schedule _3

Financial Schedules Schedule II - Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Condensed Financial Statements, Captions [Line Items]
Debt Securities, Available-for-sale	$ 1,377,959	$ 1,231,039
Real estate and other long-term investments	0	5,718
Short-term investments	1,301	7,865
Cash and cash equivalents	46,205	45,492	$ 46,064	$ 35,510
Accrued investment income	17,453	18,467
Property and equipment, net	5,904	5,943
Other assets	2,489	1,912
Total assets	1,744,936	1,615,561
Total liabilities	1,485,100	1,427,828
Accumulated deficit	(70,969)	(69,599)
Unrealized investment gains on securities held by parent and subsidaries, net of tax	77,117	5,366
Treasury stock	(11,011)	(11,011)
Total stockholders' equity	259,836	187,733	223,513	249,100
Total liabilities and stockholders' equity	1,744,936	1,615,561
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Investment in subsidiary	191,869	123,245
Debt Securities, Available-for-sale	50,491	41,705
Equity securities	1,167	1,035
Real estate and other long-term investments	2,571	5,718
Short-term investments	1,301	7,865
Cash and cash equivalents	10,829	11,768	$ 23,850	$ 14,673
Accrued investment income	535	530
Accounts receivable from subsidiaries	4,770	5,871
Property and equipment, net	817	425
Other assets	552	305
Total assets	264,902	198,467
Accrued expenses and other liabilities	5,066	10,734
Total liabilities	5,066	10,734
Accumulated deficit	(70,969)	(69,599)
Unrealized investment gains on securities held by parent and subsidaries, net of tax	77,117	5,366
Treasury stock	(11,011)	(11,011)
Total stockholders' equity	259,836	187,733
Total liabilities and stockholders' equity	264,902	198,467
Common Class A [Member]
Condensed Financial Statements, Captions [Line Items]
Common stock	261,515	259,793
Common Class A [Member] | Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Common stock	261,515	259,793
Common Class B [Member]
Condensed Financial Statements, Captions [Line Items]
Common stock	3,184	3,184
Common Class B [Member] | Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Common stock	$ 3,184	$ 3,184

Financial Schedules Schedule _4

Financial Schedules Schedule II - Statement of Operations (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Condensed Financial Statements, Captions [Line Items]
Other Income									$ 1,418	$ 1,833	$ 1,243
Realized investment gains (losses), net									5,249	108	518
Total revenue	$ 69,806	$ 61,467	$ 56,866	$ 62,406	$ 65,570	$ 61,161	$ 59,842	$ 57,433	250,545	244,006	252,627
Federal income tax expense (benefit)	(23)	86	1,242	5,810	(596)	12,671	(1,553)	2,542	7,115	13,064	35,141
Net income (loss)	$ 4,951	$ 2,046	$ (4,565)	$ (3,802)	$ (1,432)	$ (7,109)	$ (2,558)	$ 37	(1,370)	(11,062)	(38,127)
Other Comprehensive Income (Loss), Securities, Available-for-sale, Adjustment, after Tax									71,751	(25,128)	12,540
Comprehensive Income (Loss), Net of Tax, Attributable to Parent									70,381	(36,190)	(25,587)
Parent Company [Member]
Condensed Financial Statements, Captions [Line Items]
Management service fees									43,694	43,323	42,367
Investment income									1,685	1,086	1,282
Other Income									2	1	80
Realized investment gains (losses), net									(3,013)	(196)	0
Total revenue									42,368	44,214	43,729
General expenes									46,020	44,009	41,680
Taxes, licenses and fees									146	761	1,203
Total expenses									46,166	44,770	42,883
Income from continuing operations, before federal income tax and change in equity of consolidating affiliates									(3,798)	(556)	846
Federal income tax expense (benefit)									(4,491)	(185)	228
Income before equity in income of consolidated subsidiaries									693	(371)	618
Equity in income of consolidated subsidiaries									(2,063)	(10,691)	(38,745)
Net income (loss)									$ (1,370)	$ (11,062)	$ (38,127)

Financial Schedules Schedule _5

Financial Schedules Schedule II - Statement of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income (loss)	$ 4,951	$ 2,046	$ (4,565)	$ (3,802)	$ (1,432)	$ (7,109)	$ (2,558)	$ 37	$ (1,370)	$ (11,062)	$ (38,127)
Realized investment gains (losses), net									(5,249)	(108)	(518)
Amortization of premiums and discounts on investments									12,859	16,998	16,606
Depreciation									1,677	1,451	1,065
Accrued investment income									1,014	595	(1,159)
Allocated Share-Based Compensation Expense, Gross									2,099	410	0
Other, net									(1,707)	(752)	59
Net cash provided by operating activities									72,223	84,620	93,012
Purchase of fixed maturities, available-for-sale									(329,627)	(195,001)	(167,699)
Maturities of fixed maturities, available-for-sale									181,618	65,906	74,902
Proceeds from Sale and Maturity of Debt Securities, Available-for-sale									66,900	38,823	1,077
Sale of other long-term investments and property and equipment									6,983	14	3,041
Purchase of other long-term investments and property and equipment									(187)	0	0
Purchase of short-term investments									(2,456)	(7,850)	0
Maturity of short-term investments									9,090	0	500
Net cash used in investing activities									(69,345)	(85,134)	(85,005)
Net cash provided by financing activities									(2,165)	(58)	2,547
Net increase (decrease) in cash and cash equivalents									713	(572)	10,554
Cash and cash equivalents at beginning of year				45,492				46,064	45,492	46,064	35,510
Cash and cash equivalents at end of year	46,205				45,492				46,205	45,492	46,064
Parent Company [Member]
Net income (loss)									(1,370)	(11,062)	(38,127)
Realized investment gains (losses), net									3,013	196	0
Equity in income of consolidated subsidiaries									2,063	10,691	38,745
Accrued expenses and other liabilities									(6,530)	(2,036)	4,370
Amortization of premiums and discounts on investments									496	567	714
Depreciation									267	356	319
Accrued investment income									(5)	(46)	181
Allocated Share-Based Compensation Expense, Gross									2,099	0	0
Decrease (increase) in receivable from subsidiaries									1,101	382	(2,901)
Other, net									(248)	22	(102)
Net cash provided by operating activities									886	(930)	3,199
Purchase of fixed maturities, available-for-sale									(12,970)	(11,871)	0
Maturities of fixed maturities, available-for-sale									691	7,160	10,986
Proceeds from Sale and Maturity of Debt Securities, Available-for-sale									4,268	1,366	0
Sale of other long-term investments and property and equipment									14	103	3
Purchase of other long-term investments and property and equipment									(85)	(60)	(261)
Purchase of short-term investments									(2,456)	(7,850)	0
Maturity of short-term investments									9,090	0	500
Capital contribution to subsidiary									0	0	(5,250)
Net cash used in investing activities									(1,448)	(11,152)	5,978
Purchase of the Company's stock from affiliates									(377)	0	0
Net cash provided by financing activities									(377)	0	0
Net increase (decrease) in cash and cash equivalents									(939)	(12,082)	9,177
Cash and cash equivalents at beginning of year				$ 11,768				$ 23,850	11,768	23,850	14,673
Cash and cash equivalents at end of year	$ 10,829				$ 11,768				$ 10,829	$ 11,768	$ 23,850

Financial Schedules Schedule _6

Financial Schedules Schedule III - Supplemental Insurance Information (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Supplementary Insurance Information, Deferred policy acquisition costs	$ 149,249	$ 155,747
Supplementary Insurance Information, Future policy benefit reserves and policy claims payable	1,304,227	1,264,881
Supplementary Insurance Information, Unearned premiums	1,369	1,145
Supplementary Insurance Information, Other policy claims and benefits payable	89,136	84,418
Life Insurance Segment [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Supplementary Insurance Information, Deferred policy acquisition costs	111,461	117,845
Supplementary Insurance Information, Future policy benefit reserves and policy claims payable	1,025,128	987,086
Supplementary Insurance Information, Unearned premiums	1,145	914
Supplementary Insurance Information, Other policy claims and benefits payable	87,359	82,641
Home Service Insurance Segment [Member]
SEC Schedule, 12-16, Insurance Companies, Supplementary Insurance Information [Line Items]
Supplementary Insurance Information, Deferred policy acquisition costs	37,788	37,902
Supplementary Insurance Information, Future policy benefit reserves and policy claims payable	279,099	277,795
Supplementary Insurance Information, Unearned premiums	224	231
Supplementary Insurance Information, Other policy claims and benefits payable	$ 1,777	$ 1,777

Financial Schedules Schedule _7

Financial Schedules Schedule IV - Reinsurance (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Life Insurance Assumed Ratio	0.10%	0.10%	0.10%
Direct Premiums, Life Insurance in Force	$ 4,728,826	$ 4,835,631	$ 4,967,856
Ceded Premiums, Life Insurance in Force	486,937	490,295	503,685
Assumed Premiums, Life Insurance in Force	4,892	5,202	5,564
Premiums, Net, Life Insurance in Force	4,246,781	4,350,538	4,469,735
Direct Premiums Earned	187,009	191,561	200,711
Ceded Premiums Earned	2,761	3,800	3,133
Assumed Premiums Earned	99	99	142
Premiums Earned, Net	$ 184,347	$ 187,860	$ 197,720
Contracts in Force Subject to Participation through Reinsurance, Ratio	0.10%	0.10%	0.10%
Life Insurance Segment [Member]
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Direct Premiums Earned	$ 180,204	$ 184,722	$ 193,534
Ceded Premiums Earned	1,952	2,996	2,334
Assumed Premiums Earned	99	99	142
Premiums Earned, Net	178,351	181,825	191,342
Accident and Health Insurance Segment [Member]
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Direct Premiums Earned	1,400	1,232	1,410
Ceded Premiums Earned	17	14	18
Assumed Premiums Earned	0	0	0
Premiums Earned, Net	1,383	1,218	1,392
Property, Liability and Casualty Insurance Segment [Member]
SEC Schedule, 12-17, Insurance Companies, Reinsurance [Line Items]
Direct Premiums Earned	5,405	5,607	5,767
Ceded Premiums Earned	792	790	781
Assumed Premiums Earned	0	0	0
Premiums Earned, Net	$ 4,613	$ 4,817	$ 4,986

Uncategorized Items - cia-20191

Label	Element	Value
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	$ 223,513,000
AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	4,162,000
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	30,494,000
Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	(4,162,000)
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	(58,537,000)
Treasury Stock [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	0
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	(11,011,000)
Common Class B [Member] | Common Stock [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	0
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	3,184,000
Common Class A [Member] | Common Stock [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	0
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest, Adjusted Balance	us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1	$ 259,383,000