0001140361-25-042275 | 10-Q | XBRL Viewer

Number of Connecticut statutory business trusts (in Trust) | Trust

Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust

$ 33,738

Junior Subordinated Debentures [Member]

Investment, Variable Interest Rate, Type [Extensible Enumeration]

Variable rate term

3 months

LondonInterbankOfferedRateMember

Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]

SecuredOvernightFinancingRateSofrMember

Basis spread on variable rate

0.26161%

Debt instrument, effective interest rate percentage

8.51%

8.82%

Number of consecutive quarters for which interest payments can be deferred (in Quarter) | Quarter

Junior Subordinated Debentures [Member] | Atlantic American Statutory Trust I [Member]

Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust

^[1],[2]

$ 18,042

Junior Subordinated Debentures [Member] | Atlantic American Statutory Trust II [Member] |

^[1],[2]

Dec. 04, 2032

Treasury debt

^[1],[2],[3]

$ 0

Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust

^[1],[2]

$ 15,696

Trust Preferred Securities [Member] | Atlantic American Statutory Trust I [Member]

^[1],[2]

May 15, 2033

Treasury debt

$ 7,500

^[1],[2],[3]

$ 7,500

Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]

SecuredOvernightFinancingRateSofrMember

Basis spread on variable rate

4.00%

Trust Preferred Securities [Member] | Atlantic American Statutory Trust II [Member] |

Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]

SecuredOvernightFinancingRateSofrMember

Basis spread on variable rate

4.10%

[1]	For each of the respective debentures, the Company has the right at any time, and from time to time, to defer payments of interest on the Junior Subordinated Debentures for a period not exceeding 20 consecutive quarters up to the debentures’ respective maturity dates. During any such period, interest will continue to accrue and the Company may not declare or pay any cash dividends or distributions on, or purchase, the Company’s common stock nor make any principal, interest or premium payments on or repurchase any debt securities that rank equally with or junior to the Junior Subordinated Debentures. The Company has the right at any time to dissolve each of the trusts and cause the Junior Subordinated Debentures to be distributed to the holders of the Trust Preferred Securities.
[2]	The Junior Subordinated Debentures are unsecured and rank junior and subordinate in right of payment to all senior debt of the Parent and are effectively subordinated to all existing and future liabilities of its subsidiaries.
[3]	On August 4, 2014, the Company acquired $7,500 of the Junior Subordinated Debentures.

CONDENSED CONSOLIDATED BALANCE SHEETS (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
CONDENSED CONSOLIDATED BALANCE SHEETS [Abstract]
Fixed maturities, cost	$ 251,703	$ 236,299
Allowance for credit losses	0	0
Equity securities, cost	4,943	4,939
Other invested assets, cost	7,946	7,946
Reinsurance, allowance for expected credit losses	43	51
Insurance premiums and other, allowance for expected credit losses	$ 209	$ 201
Preferred stock, par value (in Dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in Shares)	4,000,000	4,000,000
Preferred stock, shares outstanding (in Shares)	55,000	55,000
Preferred stock, shares issued (in Shares)	55,000	55,000
Preferred stock, redemption value	$ 5,500	$ 5,500
Common stock, par value (in Dollars per share)	$ 1	$ 1
Common stock, shares authorized (in Shares)	50,000,000	50,000,000
Common stock, shares issued (in Shares)	22,400,894	22,400,894
Common stock, shares outstanding (in Shares)	20,397,228	20,399,758
Treasury stock, at cost (in Shares)	2,003,666	2,001,136

Segment Information (Details)	9 Months Ended
Segment Information (Details)	Sep. 30, 2025 Segment
Segment Information [Abstract]
Number of reportable segments	2

Credit Arrangements (Tables)

9 Months Ended

Sep. 30, 2025

Financial Structure of Statutory Business Trusts

The financial structure of each of Atlantic American Statutory Trust I and II as of September 30, 2025 was as follows:

	Atlantic American Statutory Trust I		Atlantic American Statutory Trust II
JUNIOR SUBORDINATED DEBENTURES ^{(1) (2)}
Principal amount owed September 30, 2025	$	18,042	$	23,196
Less: Treasury debt ⁽³⁾		—		(7,500	)
Net balance September 30, 2025	$	18,042	$	15,696
Net balance December 31, 2024	$	18,042	$	15,696
Coupon rate	3-Month SOFR + 0.26161% spread adj + 4.00%		3-Month SOFR + 0.26161% spread adj + 4.10%
Interest payable	Quarterly		Quarterly
Maturity date	December 4, 2032		May 15, 2033
Redeemable by issuer	Yes		Yes
TRUST PREFERRED SECURITIES
Issuance date	December 4, 2002		May 15, 2003
Securities issued		17,500		22,500
Liquidation preference per security	$	1	$	1
Liquidation value	$	17,500	$	22,500
Coupon rate	3-Month SOFR + 0.26161% spread adj + 4.00%		3-Month SOFR + 0.26161% spread adj + 4.10%
Distribution payable	Quarterly		Quarterly
Distribution guaranteed by ⁽⁴⁾	Atlantic American Corporation		Atlantic American Corporation

(1)

For each of the respective debentures, the Company has the right at any time, and from time to time, to defer payments of interest on the Junior Subordinated Debentures for a period not exceeding 20 consecutive quarters up to the debentures’ respective maturity dates. During any such period, interest will continue to accrue and the Company may not declare or pay any cash dividends or distributions on, or purchase, the Company’s common stock nor make any principal, interest or premium payments on or repurchase any debt securities that rank equally with or junior to the Junior Subordinated Debentures. The Company has the right at any time to dissolve each of the trusts and cause the Junior Subordinated Debentures to be distributed to the holders of the Trust Preferred Securities.

(2)	The Junior Subordinated Debentures are unsecured and rank junior and subordinate in right of payment to all senior debt of the Parent and are effectively subordinated to all existing and future liabilities of its subsidiaries.

(3)	On August 4, 2014, the Company acquired $7,500 of the Junior Subordinated Debentures.

(4)	The Parent has guaranteed, on a subordinated basis, all of the obligations under the Trust Preferred Securities, including payment of the redemption price and any accumulated and unpaid distributions to the extent of available funds and upon dissolution, winding up or liquidation.

Segment Information - Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
Segment Information [Abstract]
Assets	$ 430,855		$ 430,855		$ 393,428
Revenues	53,760	$ 44,519	159,175	$ 139,184
Insurance benefits and losses incurred	35,471	30,760	101,031	94,492
Commissions and underwriting expenses	12,955	11,490	37,505	35,740
Income (loss) before income taxes	769	(2,454)	6,020	(5,809)
Corporate, Other and Eliminations [Member]
Segment Information [Abstract]
Assets	32,365		32,365		35,395
Revenues	117	112	289	19
Insurance benefits and losses incurred	0	0	0	0
Commissions and underwriting expenses	(2,019)	(2,280)	(7,218)	(6,824)
Income (loss) before income taxes	(2,495)	(2,293)	(7,111)	(7,814)
American Southern [Member] \| Operating Segments [Member]
Segment Information [Abstract]
Assets	168,631		168,631		147,214
Revenues	23,671	17,282	65,324	54,666
Insurance benefits and losses incurred	17,962	13,984	48,572	41,025
Commissions and underwriting expenses	4,146	3,790	13,562	11,808
Income (loss) before income taxes	1,630	(528)	3,190	1,730
Bankers Fidelity [Member] \| Operating Segments [Member]
Segment Information [Abstract]
Assets	229,859		229,859		$ 210,819
Revenues	29,972	27,125	93,562	84,499
Insurance benefits and losses incurred	17,509	16,776	52,459	53,467
Commissions and underwriting expenses	10,828	9,980	31,161	30,756
Income (loss) before income taxes	$ 1,634	$ 367	$ 9,941	$ 275

Investments - Amortized Cost and Carrying Value of Fixed Maturities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Investments [Abstract]
Due in one year or less, Carrying value	$ 7,915	$ 7,484
Due in one year or less, Amortized cost	8,002	7,497
Due after one year through five years, Carrying value	66,531	62,722
Due after one year through five years, Amortized cost	67,793	64,703
Due after five years through ten years, Carrying value	27,745	32,820
Due after five years through ten years, Amortized cost	28,319	35,552
Due after ten years, Carrying value	96,421	80,199
Due after ten years, Amortized cost	107,897	95,466
Asset backed securities, Carrying value	36,857	29,387
Asset backed securities, Amortized cost	39,692	33,081
Carrying value total	235,469	212,612
Amortized cost total	$ 251,703	$ 236,299

Income Taxes - Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Income Taxes [Abstract]
Current - Federal	$ 588	$ 296	$ 861	$ 296
Deferred - Federal	(396)	(752)	464	(1,425)
Income tax expense (benefit)	$ 192	$ (456)	$ 1,325	$ (1,129)

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

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Fair Values of Financial Instruments - Financial Instruments Carried at Fair Value Measured on a Recurring Basis (Details) - Recurring [Member] - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Fair Values of Financial Instruments [Abstract]
Fixed maturities	$ 235,469	$ 212,612
Equity securities	10,432	7,900
Cash equivalents	17,903	14,948
Assets at fair value	263,804	235,460
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Values of Financial Instruments [Abstract]
Fixed maturities	0	0
Equity securities	10,239	7,711
Cash equivalents	17,903	14,948
Assets at fair value	28,142	22,659
Significant Other Observable Inputs (Level 2) [Member]
Fair Values of Financial Instruments [Abstract]
Fixed maturities	235,469	212,612
Equity securities	0	0
Cash equivalents	0	0
Assets at fair value	235,469	212,612
Significant Unobservable Inputs (Level 3) [Member]
Fair Values of Financial Instruments [Abstract]
Fixed maturities	0	0
Equity securities	193	189
Cash equivalents	0	0
Assets at fair value	$ 193	$ 189

Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

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Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).

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Commitments and Contingencies [Abstract]

Investments

9 Months Ended

Sep. 30, 2025

Investments [Abstract]

Investments

Note 3.

Investments

The following tables set forth the estimated fair value, gross unrealized gains, gross unrealized losses, allowance for credit losses and cost or amortized cost of the Company’s investments in fixed maturities and equity securities, aggregated by type and industry, as of September 30, 2025 and December 31, 2024.

Fixed maturities were comprised of the following:

	September 30, 2025
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Cost or Amortized Cost
Fixed maturities:
Bonds:
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	23,952	$	172	$	1,609	$	—	$	25,389
Loan backed and structured securities		28,737		176		2,045		—		30,606
Obligations of states and political subdivisions		7,393		16		1,389		—		8,766
Corporate securities:
Utilities and telecom		30,162		312		2,539		—		32,389
Financial services		62,866		1,036		3,129		—		64,959
Other business – diversified		38,158		219		3,060		—		40,999
Other consumer – diversified		43,997		106		4,511		—		48,402
Total corporate securities		175,183		1,673		13,239		—		186,749
Redeemable preferred stocks:
Other consumer – diversified		204		11		—		—		193
Total redeemable preferred stocks		204		11		—		—		193
Total fixed maturities	$	235,469	$	2,048	$	18,282	$	—	$	251,703

	December 31, 2024
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Cost or Amortized Cost
Fixed maturities:
Bonds:
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	22,251	$	24	$	2,144	$	—	$	24,371
Loan backed and structured securities		22,290		17		2,457		—		24,730
Obligations of states and political subdivisions		7,623		9		1,517		—		9,131
Corporate securities:
Utilities and telecom		24,623		108		3,206		—		27,721
Financial services		59,564		563		4,768		—		63,769
Other business – diversified		34,117		160		3,919		—		37,876
Other consumer – diversified		41,957		33		6,585		—		48,509
Total corporate securities		160,261		864		18,478		—		177,875
Redeemable preferred stocks:
Other consumer – diversified		187		—		5		—		192
Total redeemable preferred stocks		187		—		5		—		192
Total fixed maturities	$	212,612	$	914	$	24,601	$	—	$	236,299

Bonds having an amortized cost of $15,368 and $15,065 and included in the tables above were on deposit with insurance regulatory authorities as of September 30, 2025 and December 31, 2024, respectively, in accordance with statutory requirements. In addition, the Company maintains cash and cash equivalents on deposit with insurance regulatory authorities of $0 and $226 as of September 30, 2025 and December 31, 2024, respectively. Additionally, bonds having an amortized cost of $8,954 and $9,209 and included in the tables above were pledged as collateral to the Federal Home Loan Bank of Atlanta (“FHLB”) at September 30, 2025 and December 31, 2024, respectively.

Equity securities were comprised of the following:

	September 30, 2025
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Cost or Amortized Cost
Equity securities:
Common and non-redeemable preferred stocks:
Financial services	$	1,281	$	971	$	—	$	310
Communications		9,151		4,518		—		4,633
Total equity securities	$	10,432	$	5,489	$	—	$	4,943

	December 31, 2024
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Cost or Amortized Cost
Equity securities:
Common and non-redeemable preferred stocks:
Financial services	$	1,149	$	843	$	—	$	306
Communications		6,751		2,118		—		4,633
Total equity securities	$	7,900	$	2,961	$	—	$	4,939

The carrying value and amortized cost of the Company’s investments in fixed maturities at September 30, 2025 and December 31, 2024 by contractual maturity were as follows. Actual maturities may differ from contractual maturities because issuers may call or prepay obligations with or without call or prepayment penalties.

	September 30, 2025				December 31, 2024
	Carrying Value		Amortized Cost		Carrying Value		Amortized Cost
Due in one year or less	$	7,915	$	8,002	$	7,484	$	7,497
Due after one year through five years		66,531		67,793		62,722		64,703
Due after five years through ten years		27,745		28,319		32,820		35,552
Due after ten years		96,421		107,897		80,199		95,466
Asset backed securities		36,857		39,692		29,387		33,081
Totals	$	235,469	$	251,703	$	212,612	$	236,299

The following tables present the Company’s unrealized loss aging for securities by type and length of time the security was in a continuous unrealized loss position as of September 30, 2025 and December 31, 2024.

	September 30, 2025
	Less than 12 months				12 months or longer				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	739	$	7	$	14,050	$	1,602	$	14,789	$	1,609
Loan backed and structured securities		850		4		15,802		2,041		16,652		2,045
Obligations of states and political subdivisions		406		—		5,966		1,389		6,372		1,389
Corporate securities		11,252		133		120,826		13,106		132,078		13,239
Total temporarily impaired securities	$	13,247	$	144	$	156,644	$	18,138	$	169,891	$	18,282

	December 31, 2024
	Less than 12 months				12 months or longer				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	3,753	$	33	$	16,136	$	2,111	$	19,889	$	2,144
Loan backed and structured securities		1,010		5		16,069		2,452		17,079		2,457
Obligations of states and political subdivisions		—		—		5,839		1,517		5,839		1,517
Corporate securities		18,510		755		125,930		17,723		144,440		18,478
Redeemable preferred stocks		188		5		—		—		188		5
Total temporarily impaired securities	$	23,461	$	798	$	163,974	$	23,803	$	187,435	$	24,601

Analysis of Securities in Unrealized Loss Positions

As of September 30, 2025 and December 31, 2024, there were 193 and 213 securities, respectively, in an unrealized loss position which primarily included certain of the Company’s investments in fixed maturities within the utilities and telecom, financial services, other diversified business and other diversified consumer sectors. The unrealized losses on the Company’s fixed maturity securities investments have been primarily related to general market changes in interest rates and/or the levels of credit spreads rather than specific concerns with the issuer’s ability to pay interest and repay principal.

For any of its fixed maturity securities with significant declines in fair value, the Company performs detailed analyses to identify whether the drivers of the declines are due to general market drivers, such as the elevated interest rate environment, or due to credit-related factors. Identifying the drivers of the declines in fair value helps to align and allocate the Company’s resources to securities with real credit-related concerns that could impact the ultimate collection of principal and interest. For any significant declines in fair value determined to be non-interest rate or market related, the Company performs a more focused review of the related issuers’ specific credit profile.

For corporate issuers, the Company evaluates their assets, business profile including industry dynamics and competitive positioning, financial statements and other available financial data. For non-corporate issuers, the Company analyzes all reasonably available sources of credit support, including issuer-specific factors. The Company utilizes information available in the public domain and, for certain private placement issuers, from consultations with the issuers directly. The Company also considers ratings from Nationally Recognized Statistical Rating Organizations, as well as the specific characteristics of the security it owns including seniority in the issuer’s capital structure, covenant protections, or other relevant features. From these reviews, the Company evaluates the issuers’ continued ability to service the Company’s investment through payment of interest and principal.

Assuming no credit-related factors develop, unrealized gains and losses on fixed maturity securities are expected to diminish as investments near maturity. Based on its credit analysis, the Company believes that the issuers of its fixed maturity investments in the sectors shown in the table above have the ability to service their obligations to the Company. In addition, the Company does not intend to sell the investments, and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost bases, which may be at maturity.

However, from time to time the Company identifies certain available-for-sale fixed maturity securities where the amortized cost basis exceeds the present value of the cash flows expected to be collected due to credit related factors and as a result, a credit allowance will be estimated. The Company had no allowance for credit losses (“ACL”) on its available-for-sale fixed maturities as of September 30, 2025 or December 31, 2024.

The following tables summarize realized investment gains and losses for the three month and nine month periods ended September 30, 2025 and 2024.

	Three Months Ended September 30, 2025
	Fixed Maturities			Equity Securities		Other Invested Assets		Total
Gains	$	43		$	—	$	—	$	43
Losses		(41	)		—		—		(41	)
Realized investment gains, net	$	2		$	—	$	—	$	2

	Three Months Ended September 30, 2024
	Fixed Maturities		Equity Securities		Other Invested Assets		Total
Gains	$	4	$	—	$	—	$	4
Losses		—		—		—		—
Realized investment gains, net	$	4	$	—	$	—	$	4

	Nine Months Ended September 30, 2025
	Fixed Maturities			Equity Securities		Other Invested Assets		Total
Gains	$	196		$	—	$	—	$	196
Losses		(178	)		—		—		(178	)
Realized investment gains, net	$	18		$	—	$	—	$	18

	Nine Months Ended September 30, 2024
	Fixed Maturities			Equity Securities		Other Invested Assets		Total
Gains	$	19		$	—	$	—	$	19
Losses		(2	)		—		—		(2	)
Realized investment gains, net	$	17		$	—	$	—	$	17

The following table presents the change in unrealized gains (losses) related to equity securities still held for the three month and nine month periods ended September 30, 2025 and 2024.

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025		2024
Net realized and unrealized gains (losses) recognized during the period on equity securities	$	(848	)	$	(1,746	)	$	2,528	$	(1,617	)
Less: Net realized gains recognized during the period on equity securities sold during the period		—			—			—		—
Unrealized gains (losses) recognized during the reporting period on equity securities, net	$	(848	)	$	(1,746	)	$	2,528	$	(1,617	)

Variable Interest Entities

The Company holds passive interests in a number of entities that are considered to be variable interest entities (“VIEs”) under GAAP guidance. The Company’s VIE interests principally consist of interests in limited liability companies formed for the purpose of achieving diversified equity returns. The Company’s VIE interests, carried as a part of other invested assets, totaled $6,225 and $6,616 as of September 30, 2025 and December 31, 2024, respectively. The Company’s VIE interests, carried as a part of investment in unconsolidated trusts, totaled $1,238 as of September 30, 2025 and December 31, 2024.

The Company does not have power over the activities that most significantly impact the economic performance of these VIEs and thus is not the primary beneficiary. Therefore, the Company has not consolidated these VIEs. The Company’s involvement with each VIE is limited to its direct ownership interest in the VIE. The Company’s maximum loss exposure relative to these investments was limited to the carrying value of the Company’s investment in the VIEs, which amount to $7,463 and $7,854, as of September 30, 2025 and December 31, 2024, respectively. As of September 30, 2025 and December 31, 2024, the Company had outstanding commitments totaling $2,200, respectively, whereby the Company is committed to fund these investments and may be called by the partnership during the commitment period to fund the purchase of new investments and partnership expenses.

Basis of Presentation and Significant Accounting Policies (Details)	9 Months Ended
	Sep. 30, 2025 Segment
Basis of Presentation and Significant Accounting Policies [Abstract]
Number of business units	2

Commitments and Contingencies

9 Months Ended

Sep. 30, 2025

Commitments and Contingencies

Note 12.

Commitments and Contingencies

Litigation

From time to time, the Company is, and expects to continue to be, involved in various claims and lawsuits incidental to and arising in the ordinary course of its business. In the opinion of management, any such known claims are not expected to have a material effect on the financial condition or results of operations of the Company.

Regulatory Matters

Like all domestic insurance companies, the Company’s insurance subsidiaries are subject to regulation and supervision in the jurisdictions in which they do business. Statutes typically delegate regulatory, supervisory, and administrative powers to state insurance commissioners. From time to time, and in the ordinary course of business, the Company receives notices and inquiries from state insurance departments with respect to various matters. In the opinion of management, any such known regulatory matters are not expected to have a material effect on the financial condition or results of operations of the Company.

Income Taxes

9 Months Ended

Sep. 30, 2025

Income Taxes [Abstract]

Income Taxes

Note 10.

Income Taxes

A reconciliation of the differences between income taxes computed at the federal statutory income tax rate and income tax expense (benefit) is as follows:

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025			2024
Federal income tax provision at statutory rate of 21%	$	160		$	(515	)	$	1,263		$	(1,220	)
Dividends-received deduction		(6	)		(10	)		(18	)		(22	)
Meals and entertainment		27			18			56			53
Vested stock and club dues		—			—			2			1
Parking disallowance		8			7			19			15
Adjustment for prior years’ estimates to actual		3			44			3			44
Income tax expense (benefit)	$	192		$	(456	)	$	1,325		$	(1,129	)

The components of income tax expense (benefit) were:

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025		2024
Current – Federal	$	588		$	296		$	861	$	296
Deferred – Federal		(396	)		(752	)		464		(1,425	)
Total	$	192		$	(456	)	$	1,325	$	(1,129	)

The entire disclosure for income tax.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/exampleRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (SX 210.4-08(h)(2))
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
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-Name Accounting Standards Codification
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
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-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482685/740-10-50-17

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 10
-Name Accounting Standards Codification
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-Subparagraph (SAB Topic 11.C)
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 740
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482603/740-30-50-2

Income Taxes - Reconciliation of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Income Taxes [Abstract]
Federal income tax provision at statutory rate of 21%	$ 160	$ (515)	$ 1,263	$ (1,220)
Dividends-received deduction	(6)	(10)	(18)	(22)
Meals and entertainment	27	18	56	53
Vested stock and club dues	0	0	2	1
Parking disallowance	8	7	19	15
Adjustment for prior years' estimates to actual	3	44	3	44
Income tax expense (benefit)	$ 192	$ (456)	$ 1,325	$ (1,129)

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

Credit Arrangements - Bank Debt (Details) - Revolving Credit Facility [Member] $ in Thousands		3 Months Ended		9 Months Ended
	Mar. 22, 2024 USD ($)	Sep. 30, 2025 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2025 USD ($)	Sep. 30, 2024 USD ($)	Dec. 31, 2024 USD ($)	May 12, 2021 USD ($)
Credit Arrangements [Abstract]
Unsecured credit facility							$ 10,000
Maturity date				Apr. 12, 2024
Outstanding borrowings		$ 4,021		$ 4,021		$ 4,023
Interest expense		66	$ 76	195	$ 195
Available unused amount fee paid		3	3	9	6
Available unused amount		$ 6,000	$ 6,000	$ 6,000	$ 6,000
Debt instrument, effective interest rate percentage		6.42%		6.42%		6.67%
Amendment [Member]
Credit Arrangements [Abstract]
Maturity date				Mar. 22, 2027
Debt Instrument, Variable Interest Rate, Type [Extensible Enumeration]				TermSecuredOvernightFinancingRateSOFRMember
Basis spread on variable rate	2.00%
Unused commitment fee	0.20%
Minimum [Member]
Credit Arrangements [Abstract]
Indebtedness capital ratio		0.35		0.35
Minimum [Member] \| Amendment [Member]
Credit Arrangements [Abstract]
Net worth	$ 64,200

Investments - Analysis of Securities in Unrealized Loss Positions (Details) $ in Thousands	Sep. 30, 2025 USD ($) Security	Dec. 31, 2024 USD ($) Security
Investments [Abstract]
Number of securities in unrealized loss position (in Security) \| Security	193	213
Allowance for expected credit losses on available-for-sale fixed maturities \| $	$ 0	$ 0

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-URI https://asc.fasb.org/1943274/2147481800/320-10-50-3

Fair Values of Financial Instruments [Abstract]

Fair Values of Financial Instruments - Carrying Amount, Estimated Fair Value and Level within the Fair Value Hierarchy of Financial Instruments (Details) - USD ($)
$ in Thousands

Sep. 30, 2025

Dec. 31, 2024

Fixed maturities

$ 235,469

$ 212,612

Equity securities

10,432

7,900

Carrying Amount [Member]

Fair Values of Financial Instruments [Abstract]

Equity securities

^[1]

10,432

7,900

Estimated Fair Value [Member]

Fair Values of Financial Instruments [Abstract]

Equity securities

^[1]

10,432

7,900

Level 1 [Member] | Carrying Amount [Member]

Fair Values of Financial Instruments [Abstract]

Cash and cash equivalents

34,444

35,570

Level 1 [Member] | Estimated Fair Value [Member]

Fair Values of Financial Instruments [Abstract]

Cash and cash equivalents

34,444

35,570

Level 2 [Member] | Carrying Amount [Member]

Fair Values of Financial Instruments [Abstract]

Fixed maturities

235,469

212,612

Junior subordinated debentures, net

33,738

Revolving credit facility

4,021

4,023

Level 2 [Member] | Estimated Fair Value [Member]

Fair Values of Financial Instruments [Abstract]

Fixed maturities

235,469

212,612

Junior subordinated debentures, net

34,428

35,443

Revolving credit facility

4,021

4,023

Level 3 [Member] | Carrying Amount [Member]

Fair Values of Financial Instruments [Abstract]

Policy loans

1,668

1,722

Level 3 [Member] | Estimated Fair Value [Member]

Fair Values of Financial Instruments [Abstract]

Policy loans

$ 1,668

$ 1,722

[1]	See the aforementioned information for a description of the fair value hierarchy as well as a description of levels for classes of these financial assets. The Company has one equity security valued at level 3 and all other equity securities are valued at level 1.

Investments - Investment Securities with Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Investments [Abstract]
Less than 12 months, Fair value	$ 13,247	$ 23,461
Less than 12 months, Unrealized losses	144	798
12 months or longer, Fair value	156,644	163,974
12 months or longer, Unrealized losses	18,138	23,803
Fair value	169,891	187,435
Unrealized losses	18,282	24,601
U.S. Treasury Securities and Obligations of U.S. Government Agencies and Authorities [Member]
Investments [Abstract]
Less than 12 months, Fair value	739	3,753
Less than 12 months, Unrealized losses	7	33
12 months or longer, Fair value	14,050	16,136
12 months or longer, Unrealized losses	1,602	2,111
Fair value	14,789	19,889
Unrealized losses	1,609	2,144
Loan Backed and Structured Securities [Member]
Investments [Abstract]
Less than 12 months, Fair value	850	1,010
Less than 12 months, Unrealized losses	4	5
12 months or longer, Fair value	15,802	16,069
12 months or longer, Unrealized losses	2,041	2,452
Fair value	16,652	17,079
Unrealized losses	2,045	2,457
Obligations of States and Political Subdivisions [Member]
Investments [Abstract]
Less than 12 months, Fair value	406	0
Less than 12 months, Unrealized losses	0	0
12 months or longer, Fair value	5,966	5,839
12 months or longer, Unrealized losses	1,389	1,517
Fair value	6,372	5,839
Unrealized losses	1,389	1,517
Corporate Securities [Member]
Investments [Abstract]
Less than 12 months, Fair value	11,252	18,510
Less than 12 months, Unrealized losses	133	755
12 months or longer, Fair value	120,826	125,930
12 months or longer, Unrealized losses	13,106	17,723
Fair value	132,078	144,440
Unrealized losses	$ 13,239	18,478
Redeemable Preferred Stocks [Member]
Investments [Abstract]
Less than 12 months, Fair value		188
Less than 12 months, Unrealized losses		5
12 months or longer, Fair value		0
12 months or longer, Unrealized losses		0
Fair value		188
Unrealized losses		$ 5

Leases (Tables)

9 Months Ended

Sep. 30, 2025

Leases [Abstract]

Additional Information of Operating Leases

Additional information regarding the Company’s real estate operating leases is as follows:

	Nine Months Ended September 30,
	2025			2024
Cash payments included in the measurement of lease liabilities reported in operating cash flows	$	939		$	797
Right-of-use assets included in other assets on the condensed consolidated balance sheet		4,823			1,981
Weighted average discount rate		7.9	%		6.8	%
Weighted average remaining lease term in years	7.0 years			2.1 years

Maturities and Present Value of Lease Liabilities

The following table presents maturities and present value of the Company’s lease liabilities:

	Lease Liability
Remainder of 2025	$	315
2026		1,113
2027		693
2028		673
2029		645
Thereafter		3,595
Total undiscounted lease payments		7,034
Less: present value adjustment		2,129
Operating lease liability included in accounts payable and accrued expenses on the condensed consolidated balance sheet	$	4,905

Credit Arrangements - Financial Structure of Statutory Business Trusts (Details) - USD ($)
$ / shares in Units, $ in Thousands

9 Months Ended

Sep. 30, 2025

Aug. 04, 2024

Junior Subordinated Debentures [Member] | Atlantic American Statutory Trust I [Member]

Principal amount owed September 30, 2025

^[1],[2]

$ 18,042

Less: Treasury debt

^[1],[2],[3]

Net balance September 30, 2025

^[1],[2]

18,042

Net balance December 31, 2024

^[1],[2]

$ 18,042

^[1],[2]

3-Month SOFR + 0.26161% spread adj + 4.00%

Interest payable

^[1],[2]

Quarterly

Junior Subordinated Debentures [Member] | Atlantic American Statutory Trust II [Member]

^[1],[2]

Dec. 04, 2032

Redeemable by issuer

^[1],[2]

Yes

Principal amount owed September 30, 2025

^[1],[2]

$ 23,196

Less: Treasury debt

(7,500)

^[1],[2],[3]

$ (7,500)

Net balance September 30, 2025

^[1],[2]

15,696

Net balance December 31, 2024

^[1],[2]

$ 15,696

^[1],[2]

3-Month SOFR + 0.26161% spread adj + 4.10%

Interest payable

^[1],[2]

Quarterly

Trust Preferred Securities [Member] | Atlantic American Statutory Trust I [Member]

^[1],[2]

May 15, 2033

Redeemable by issuer

^[1],[2]

Yes

Securities issued (in Shares)

3-Month SOFR + 0.26161% spread adj + 4.00%

Issuance date

Dec. 04, 2002

17,500,000

Liquidation preference per security (in Dollars per share)

$ 1

Liquidation value

$ 17,500

Distribution payable

Quarterly

Distribution guaranteed by

^[4]

Atlantic American Corporation

Trust Preferred Securities [Member] | Atlantic American Statutory Trust II [Member]

Securities issued (in Shares)

3-Month SOFR + 0.26161% spread adj + 4.10%

Issuance date

May 15, 2003

22,500,000

Liquidation preference per security (in Dollars per share)

$ 1

Liquidation value

$ 22,500

Distribution payable

Quarterly

Distribution guaranteed by

^[4]

Atlantic American Corporation

[1]	For each of the respective debentures, the Company has the right at any time, and from time to time, to defer payments of interest on the Junior Subordinated Debentures for a period not exceeding 20 consecutive quarters up to the debentures’ respective maturity dates. During any such period, interest will continue to accrue and the Company may not declare or pay any cash dividends or distributions on, or purchase, the Company’s common stock nor make any principal, interest or premium payments on or repurchase any debt securities that rank equally with or junior to the Junior Subordinated Debentures. The Company has the right at any time to dissolve each of the trusts and cause the Junior Subordinated Debentures to be distributed to the holders of the Trust Preferred Securities.
[2]	The Junior Subordinated Debentures are unsecured and rank junior and subordinate in right of payment to all senior debt of the Parent and are effectively subordinated to all existing and future liabilities of its subsidiaries.
[3]	On August 4, 2014, the Company acquired $7,500 of the Junior Subordinated Debentures.
[4]	The Parent has guaranteed, on a subordinated basis, all of the obligations under the Trust Preferred Securities, including payment of the redemption price and any accumulated and unpaid distributions to the extent of available funds and upon dissolution, winding up or liquidation.

CONDENSED CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY - USD ($) $ in Thousands	Preferred Stock [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Loss [Member]	Unearned Stock Grant Compensation [Member]	Treasury Stock [Member]	Total
Balance, beginning of period at Dec. 31, 2023	$ 55	$ 22,401	$ 57,425	$ 50,929	$ (16,121)	$ (13)	$ (7,401)
Net income (loss)				(4,680)				$ (4,680)
Dividends on common stock				(407)
Dividends accrued on preferred stock				(299)
Other comprehensive income, net of tax					3,868			3,868
Amortization of unearned compensation						9
Net shares acquired related to employee share-based compensation plans							(7)
Balance, end of period at Sep. 30, 2024	55	$ 22,401	57,425	45,543	(12,253)	(4)	(7,408)	$ 105,759
Dividends declared on common stock per share (in Dollars per share)								$ 0.02
Balance, beginning of period (in Shares) at Dec. 31, 2023		20,402,288
Net shares acquired under employee share-based compensation plans (in Shares)		(2,530)
Balance, end of period (in Shares) at Sep. 30, 2024		20,399,758
Balance, beginning of period at Jun. 30, 2024	55	$ 22,401	57,425	47,641	(19,435)	(7)	(7,408)
Net income (loss)				(1,998)				$ (1,998)
Dividends on common stock				0
Dividends accrued on preferred stock				(100)
Other comprehensive income, net of tax					7,182			7,182
Amortization of unearned compensation						3
Net shares acquired related to employee share-based compensation plans							0
Balance, end of period at Sep. 30, 2024	55	$ 22,401	57,425	45,543	(12,253)	(4)	(7,408)	$ 105,759
Dividends declared on common stock per share (in Dollars per share)								$ 0
Balance, beginning of period (in Shares) at Jun. 30, 2024		20,399,758
Net shares acquired under employee share-based compensation plans (in Shares)		0
Balance, end of period (in Shares) at Sep. 30, 2024		20,399,758
Balance, beginning of period at Dec. 31, 2024	55	$ 22,401	57,425	45,854	(18,712)	(2)	(7,408)	$ 99,613
Net income (loss)				4,695				4,695
Dividends on common stock				(407)
Dividends accrued on preferred stock				(299)
Other comprehensive income, net of tax					5,888			5,888
Amortization of unearned compensation						2
Net shares acquired related to employee share-based compensation plans							(4)
Balance, end of period at Sep. 30, 2025	55	$ 22,401	57,425	49,843	(12,824)	0	(7,412)	$ 109,488
Dividends declared on common stock per share (in Dollars per share)								$ 0.02
Balance, beginning of period (in Shares) at Dec. 31, 2024		20,399,758						20,399,758
Net shares acquired under employee share-based compensation plans (in Shares)		(2,530)
Balance, end of period (in Shares) at Sep. 30, 2025		20,397,228						20,397,228
Balance, beginning of period at Jun. 30, 2025	55	$ 22,401	57,425	49,366	(15,667)	0	(7,412)
Net income (loss)				577				$ 577
Dividends on common stock				0
Dividends accrued on preferred stock				(100)
Other comprehensive income, net of tax					2,843			2,843
Amortization of unearned compensation						0
Net shares acquired related to employee share-based compensation plans							0
Balance, end of period at Sep. 30, 2025	$ 55	$ 22,401	$ 57,425	$ 49,843	$ (12,824)	$ 0	$ (7,412)	$ 109,488
Dividends declared on common stock per share (in Dollars per share)								$ 0
Balance, beginning of period (in Shares) at Jun. 30, 2025		20,397,228
Net shares acquired under employee share-based compensation plans (in Shares)		0
Balance, end of period (in Shares) at Sep. 30, 2025		20,397,228						20,397,228

Basis of Presentation and Significant Accounting Policies

9 Months Ended

Sep. 30, 2025

Basis of Presentation and Significant Accounting Policies [Abstract]

Basis of Presentation and Significant Accounting Policies

Note 1.

Basis of Presentation and Significant Accounting Policies

The accompanying unaudited condensed consolidated financial statements include the accounts of Atlantic American Corporation (the “Parent”) and its subsidiaries (collectively with the Parent, the “Company”). The Parent’s primary operating subsidiaries, American Southern Insurance Company and American Safety Insurance Company (together known as “American Southern”) and Bankers Fidelity Life Insurance Company, Bankers Fidelity Assurance Company and Atlantic Capital Life Assurance Company (together known as “Bankers Fidelity”), operate in two principal business units. American Southern operates in the property and casualty insurance market, while Bankers Fidelity operates in the life and health insurance market. All significant intercompany accounts and transactions have been eliminated in consolidation. The accompanying financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 8 of Regulation S-X. Accordingly, they do not include all of the information and notes required by GAAP for audited annual financial statements. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) considered necessary for a fair presentation have been included. The unaudited condensed consolidated financial statements included herein and these related notes should be read in conjunction with the Company’s consolidated financial statements, and the notes thereto, included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 (the “2024 Annual Report”). For more information regarding Significant Accounting Policies, see the “Summary of Significant Accounting Policies” section of Note 1 of Notes to Consolidated Financial Statements in the 2024 Annual Report. The Company’s financial condition and operating results as of and for the three month and nine month periods ended September 30, 2025 are not necessarily indicative of the financial condition or results of operations and cash flows that may be expected for the year ending December 31, 2025 or for any other future period.

The preparation of financial statements in accordance with GAAP requires management to make estimates and assumptions that affect the reported amount of assets and liabilities, disclosures of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the reporting period. Actual results could differ materially from those estimates. To the extent that the Company changes its accounting for, or presentation of, items in the financial statements, the presentation of such amounts in prior periods is changed to conform to the current period presentation, if appropriate, and disclosed, if material.

Enactment of the One Big Beautiful Bill Act of 2025

On July 4, 2025, the U.S. enacted a budget reconciliation package known as the One Big Beautiful Bill Act of 2025 (“OBBBA”) which includes both tax and non-tax provisions. The OBBBA includes significant provisions, such as the permanent extension of certain expiring provisions of the Tax Cuts and Jobs Act, modifications to the international tax framework and the restoration of favorable tax treatment for certain business provisions. The legislation has multiple effective dates, with certain provisions effective in 2025 and others to be implemented through 2027. Management does not believe this legislation will have a material impact on the Company’s consolidated financial statements.

Earnings (Loss) Per Common Share (Tables)

9 Months Ended

Sep. 30, 2025

Earnings (Loss) Per Common Share [Abstract]

Reconciliation of Numerator and Denominator used in Earnings (Loss) per Common Share Calculations

A reconciliation of the numerator and denominator used in the earnings (loss) per common share calculations is as follows:

	Three Months Ended September 30, 2025
	Earnings			Weighted Average Shares (In thousands)			Per Share Amount
Basic and Diluted Earnings Per Common Share:
Net income	$	577			20,397
Less preferred stock dividends		(100	)		—
Net income applicable to common shareholders	$	477			20,397	$	0.02

	Three Months Ended September 30, 2024
	Loss			Weighted Average Shares (In thousands)			Per Share Amount
Basic and Diluted Loss Per Common Share:
Net loss	$	(1,998	)		20,400
Less preferred stock dividends		(100	)		—
Net loss applicable to common shareholders	$	(2,098	)		20,400	$	(0.10	)

	Nine Months Ended September 30, 2025
	Earnings			Weighted Average Shares (In thousands)		Per Share Amount
Basic and Diluted Earnings Per Common Share:
Net income	$	4,695			20,398
Less preferred stock dividends		(299	)		—
Net income applicable to common shareholders	$	4,396			20,398	$	0.22

	Nine Months Ended September 30, 2024
	Loss			Weighted Average Shares (In thousands)		Per Share Amount
Basic and Diluted Loss Per Common Share:
Net loss	$	(4,680	)		20,401
Less preferred stock dividends		(299	)		—
Net loss applicable to common shareholders	$	(4,979	)		20,401	$	(0.24	)

Investments (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Bonds [Member]
Investments [Abstract]
Assets held with insurance regulatory authorities	$ 15,368	$ 15,065
Cash and Cash Equivalents [Member]
Investments [Abstract]
Assets held with insurance regulatory authorities	0	226
FHLB Advances [Member] \| Bonds Pledged as Collateral [Member]
Investments [Abstract]
Amortized cost pledged as collateral to FHLB	$ 8,954	$ 9,209

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Pay vs Performance Disclosure
Net Income (Loss)	$ 577	$ (1,998)	$ 4,695	$ (4,680)

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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Leases - Additional Information of Operating Leases (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
Leases [Abstract]
Cash payments included in the measurement of lease liabilities reported in operating cash flows	$ 939	$ 797
Right-of-use assets included in other assets on the condensed consolidated balance sheet	$ 4,823	$ 1,981
Operating Lease, Right-of-Use Asset, Statement of Financial Position [Extensible List]	Other assets	Other assets
Weighted average discount rate	7.90%	6.80%
Weighted average remaining lease term in years	7 years	2 years 1 month 6 days

Credit Arrangements

9 Months Ended

Sep. 30, 2025

Credit Arrangements

Note 8.

Credit Arrangements

Bank Debt

On May 12, 2021, the Company entered into a Revolving Credit Agreement with Truist Bank as the lender (the “Lender”). The Revolving Credit Agreement provides for an unsecured $10,000 revolving credit facility that originally matured on April 12, 2024. On March 22, 2024, the Company entered into a First Amendment (the “Amendment”) to its Revolving Credit Agreement (as amended, the “Credit Agreement”) with the Lender. The Amendment, among other things, (a) updates the interest rate provisions to memorialize that the Company pays interest on the unpaid principal balance of outstanding revolving loans at the Adjusted Term SOFR rate (as defined in the Credit Agreement), plus 2.00%, (b) extends the maturity date of the revolving credit facility to March 22, 2027, (c) requires the monthly payment of an unused commitment fee of 0.2% of the unused facility amount, and (d) requires that the Company maintain a consolidated net worth of not less than $64,200. Except as modified by the Amendment, the existing terms of the original Credit Agreement remain in effect.

The Credit Agreement requires the Company to comply with certain covenants, including a debt-to-capital ratio that restricts the Company from incurring consolidated indebtedness that exceeds 35% of the Company’s consolidated capitalization at any time and maintaining a minimum consolidated net worth, as previously mentioned. The Credit Agreement also contains customary representations and warranties and events of default. Events of default include, among others, (a) the failure by the Company to pay any amounts owed under the Credit Agreement when due, (b) the failure to perform and not timely remedy certain covenants, (c) a change in control of the Company and (d) the occurrence of bankruptcy or insolvency events. Upon an event of default, the Lender may, among other things, declare all obligations under the Credit Agreement immediately due and payable and terminate the revolving commitments. As of September 30, 2025, and December 31, 2024, the Company had outstanding borrowings including accrued interest of $4,021 and $4,023, respectively, under the Credit Agreement.

For the three months ended September 30, 2025 and 2024, the Company incurred $66 and $76 in interest expense, respectively, on the revolving credit facility borrowing. For the nine months ended September 30, 2025 and 2024, the Company incurred $195 and $213, respectively, in interest expense. In each of the three months ended September 30, 2025 and 2024, the Company paid $3 in fees on the available unused amount (“unused commitment fees”) of the revolving credit facility of $6,000. During the nine months ended September 30, 2025 and 2024, the Company paid $9 and $6, respectively, in unused commitment fees. At September 30, 2025 and December 31, 2024, the effective interest rate was 6.42% and 6.67%, respectively.

Junior Subordinated Debentures

The Company has two unconsolidated Connecticut statutory business trusts, which exist for the exclusive purposes of: (i) issuing trust preferred securities (“Trust Preferred Securities”) representing undivided beneficial interests in the assets of the trusts; (ii) investing the gross proceeds of the Trust Preferred Securities in junior subordinated deferrable interest debentures (“Junior Subordinated Debentures”) of the Company; and (iii) engaging in those activities necessary or incidental thereto.

The outstanding $18,042 and $15,696 of Junior Subordinated Debentures mature on December 4, 2032 and May 15, 2033, respectively, are callable quarterly, in whole or in part, only at the option of the Company. Prior to July 1, 2023, the interest rate was based on 3-month LIBOR plus an applicable margin. Effective July 1, 2023, the interest rate is determined based on a reference rate of the 3-month SOFR plus applicable tenor spread of 0.26161% plus an applicable margin, ranging from 4.00% to 4.10%. At September 30, 2025 and December 31, 2024, the effective interest rate was 8.51% and 8.82%, respectively.

The financial structure of each of Atlantic American Statutory Trust I and II as of September 30, 2025 was as follows:

	Atlantic American Statutory Trust I		Atlantic American Statutory Trust II
JUNIOR SUBORDINATED DEBENTURES ^{(1) (2)}
Principal amount owed September 30, 2025	$	18,042	$	23,196
Less: Treasury debt ⁽³⁾		—		(7,500	)
Net balance September 30, 2025	$	18,042	$	15,696
Net balance December 31, 2024	$	18,042	$	15,696
Coupon rate	3-Month SOFR + 0.26161% spread adj + 4.00%		3-Month SOFR + 0.26161% spread adj + 4.10%
Interest payable	Quarterly		Quarterly
Maturity date	December 4, 2032		May 15, 2033
Redeemable by issuer	Yes		Yes
TRUST PREFERRED SECURITIES
Issuance date	December 4, 2002		May 15, 2003
Securities issued		17,500		22,500
Liquidation preference per security	$	1	$	1
Liquidation value	$	17,500	$	22,500
Coupon rate	3-Month SOFR + 0.26161% spread adj + 4.00%		3-Month SOFR + 0.26161% spread adj + 4.10%
Distribution payable	Quarterly		Quarterly
Distribution guaranteed by ⁽⁴⁾	Atlantic American Corporation		Atlantic American Corporation

(1)

(2)	The Junior Subordinated Debentures are unsecured and rank junior and subordinate in right of payment to all senior debt of the Parent and are effectively subordinated to all existing and future liabilities of its subsidiaries.

(3)	On August 4, 2014, the Company acquired $7,500 of the Junior Subordinated Debentures.

(4)	The Parent has guaranteed, on a subordinated basis, all of the obligations under the Trust Preferred Securities, including payment of the redemption price and any accumulated and unpaid distributions to the extent of available funds and upon dissolution, winding up or liquidation.

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

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Fair Values of Financial Instruments [Abstract]

Fair Values of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2025

Financial Instruments Carried at Fair Value Measured on a Recurring Basis

As of September 30, 2025, financial instruments carried at fair value were measured on a recurring basis as summarized below:

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Assets:
Fixed maturities	$	—	$	235,469	$	—	$	235,469
Equity securities		10,239		—		193		10,432
Cash equivalents		17,903		—		—		17,903
Total	$	28,142	$	235,469	$	193	$	263,804

As of December 31, 2024, financial instruments carried at fair value were measured on a recurring basis as summarized below:

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Assets:
Fixed maturities	$	—	$	212,612	$	—	$	212,612
Equity securities		7,711		—		189		7,900
Cash equivalents		14,948		—		—		14,948
Total	$	22,659	$	212,612	$	189	$	235,460

Carrying Amount, Estimated Fair Value and Level within the Fair Value Hierarchy of Financial Instruments

The following table sets forth the carrying amount, estimated fair value and level within the fair value hierarchy of the Company’s financial instruments as of September 30, 2025 and December 31, 2024.

			September 30, 2025				December 31, 2024
	Level in Fair Value Hierarchy ⁽¹⁾		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Assets:
Cash and cash equivalents	Level 1		$	34,444	$	34,444	$	35,570	$	35,570
Fixed maturities	Level 2			235,469		235,469		212,612		212,612
Equity securities		⁽¹⁾		10,432		10,432		7,900		7,900
Policy loans	Level 3			1,668		1,668		1,722		1,722

Liabilities:
Junior subordinated debentures, net	Level 2			33,738		34,428		33,738		35,443
Revolving credit facility	Level 2			4,021		4,021		4,023		4,023

(1)

See the aforementioned information for a description of the fair value hierarchy as well as a description of levels for classes of these financial assets. The Company has one equity security valued at level 3 and all other equity securities are valued at level 1.

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Significant Unobservable Inputs (Level 3) [Member] \| Recurring [Member]
Fair Values of Financial Instruments [Abstract]
Equity securities	$ 193	$ 189

Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).

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-Subparagraph (SX 210.7-03(a)(1)(6))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478777/944-210-S99-1

Allowance for Expected Credit Losses [Abstract]

Allowance for Expected Credit Losses (Tables)

9 Months Ended

Sep. 30, 2025

Reinsurance Recoverables

The following table presents the balances of reinsurance recoverables, net of the allowance for expected credit losses, at September 30, 2025 and 2024, and the changes in the allowance for expected credit losses for the three month and nine month periods ended September 30, 2025 and 2024.

	At and for the three months ended September 30, 2025				At and for the nine months ended September 30, 2025
	Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses		Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	22,369	$	43	$	22,942	$	51
Current period change for expected credit losses				—				(8	)
Write-offs of uncollectible reinsurance recoverables				—				—
Balance, end of period	$	22,694	$	43	$	22,694	$	43

	At and for the three months ended September 30, 2024					At and for the nine months ended September 30, 2024
	Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses			Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	22,496	$	54		$	21,103	$	61
Current period change for expected credit losses				(1	)				(8	)
Write-offs of uncollectible reinsurance recoverables				—					—
Balance, end of period	$	21,600	$	53		$	21,600	$	53

Insurance Premium and Other Receivables

The following table presents the balances of insurance premiums and other, net of the allowance for expected credit losses, at September 30, 2025 and 2024, and the changes in the allowance for expected credit losses for the three month and nine month periods ended September 30, 2025 and 2024.

	At and for the three months ended September 30, 2025				At and for the nine months ended September 30, 2025
	Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses		Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	50,242	$	194	$	27,458	$	201
Current period change for expected credit losses				15				8
Write-offs of uncollectible insurance premiums and other receivables				—				—
Balance, end of period	$	42,399	$	209	$	42,399	$	209

	At and for the three months ended September 30, 2024					At and for the nine months ended September 30, 2024
	Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses			Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	34,220	$	219		$	23,690	$	217
Current period change for expected credit losses				(4	)				(2	)
Write-offs of uncollectible insurance premiums and other receivables				—					—
Balance, end of period	$	30,492	$	215		$	30,492	$	215

Internal-Use Software (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Internal-Use Software (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024	Dec. 31, 2024
Internal-Use Software [Abstract]
Period of initial terms of arrangement			3 years
Period of additional renewal term			5 years
Period of subsequent renewal term			5 years
Incurred and capitalized implementation costs			$ 318	$ 78
Capitalized implementation costs	$ 4,993		4,993		$ 4,675
Amortization expense	$ 0	$ 0	$ 0	$ 0

Income Taxes (Tables)

9 Months Ended

Sep. 30, 2025

Income Taxes [Abstract]

Reconciliation of Income Tax Expense (Benefit)

A reconciliation of the differences between income taxes computed at the federal statutory income tax rate and income tax expense (benefit) is as follows:

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025			2024
Federal income tax provision at statutory rate of 21%	$	160		$	(515	)	$	1,263		$	(1,220	)
Dividends-received deduction		(6	)		(10	)		(18	)		(22	)
Meals and entertainment		27			18			56			53
Vested stock and club dues		—			—			2			1
Parking disallowance		8			7			19			15
Adjustment for prior years’ estimates to actual		3			44			3			44
Income tax expense (benefit)	$	192		$	(456	)	$	1,325		$	(1,129	)

Components of Income Tax Expense (Benefit)

The components of income tax expense (benefit) were:

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025		2024
Current – Federal	$	588		$	296		$	861	$	296
Deferred – Federal		(396	)		(752	)		464		(1,425	)
Total	$	192		$	(456	)	$	1,325	$	(1,129	)

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Sep. 30, 2025
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Earnings (Loss) Per Common Share - Reconciliation of Numerator and Denominator used in Earnings (Loss) per Common Share Calculations (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Earnings (Loss) Per Common Share [Abstract]
Net income (loss)	$ 577	$ (1,998)	$ 4,695	$ (4,680)
Weighted average shares, Basic (in Shares)	20,397	20,400	20,398	20,401
Weighted average shares, Diluted (in Shares)	20,397	20,400	20,398	20,401
Less preferred stock dividends	$ 100	$ 100	$ 299	$ 299
Net income (loss) applicable to common shareholders, Basic	477	(2,098)	4,396	(4,979)
Net income (loss) applicable to common shareholders, Diluted	$ 477	$ (2,098)	$ 4,396	$ (4,979)
Net income (loss) applicable to common shareholders, Basic	$ 0.02	$ (0.1)	$ 0.22	$ (0.24)
Net income (loss) applicable to common shareholders, Diluted	$ 0.02	$ (0.1)	$ 0.22	$ (0.24)

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

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The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities; of income (loss) available to common shareholders.

Amount, after deduction of tax, noncontrolling interests, dividends on preferred stock and participating securities, and addition from assumption of issuance of common shares for dilutive potential common shares; of income (loss) available to common shareholders.

Fair Values of Financial Instruments [Abstract]

Fair Values of Financial Instruments

9 Months Ended

Sep. 30, 2025

Fair Values of Financial Instruments

Note 4.

Fair Values of Financial Instruments

The estimated fair values have been determined by the Company using available market information from various market sources and appropriate valuation methodologies as of the respective dates. However, considerable judgment is necessary to interpret market data and to develop the estimates of fair value. Although management is not aware of any factors that would significantly affect the estimated fair value amounts, the estimates presented herein are not necessarily indicative of the amounts which the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.

The following describes the fair value hierarchy and provides information as to the extent to which the Company uses fair value to measure the value of its financial instruments and information about the inputs used to value those financial instruments. The fair value hierarchy prioritizes the inputs in the valuation techniques used to measure fair value into three broad levels.

Level 1

Observable inputs that reflect quoted prices for identical assets or liabilities in active markets that the Company has the ability to access at the measurement date. The Company’s financial instruments valued using Level 1 criteria include cash equivalents and exchange traded common stocks.

Level 2

Observable inputs, other than quoted prices included in Level 1, for an asset or liability or prices for similar assets or liabilities. The Company’s financial instruments valued using Level 2 criteria include most of its fixed maturities, which consist of U.S. Treasury securities, U.S. Government securities, obligations of states and political subdivisions, and certain corporate fixed maturities, as well as its non-redeemable preferred stocks. In determining fair value measurements of its fixed maturities and non-redeemable preferred stocks using Level 2 criteria, the Company utilizes data from outside sources, including nationally recognized pricing services and broker/dealers. Prices for the majority of the Company’s Level 2 fixed maturities and non-redeemable preferred stocks were determined using unadjusted prices received from pricing services that utilize models where the significant inputs are observable (e.g. interest rates, yield curves, prepayment speeds, default rates and loss severities) or can be corroborated by observable market data.

Level 3

Valuations that are derived from techniques in which one or more of the significant inputs are unobservable (including assumptions about risk). Fair value is based on criteria that use assumptions or other data that are not readily observable from objective sources. With little or no observable market, the determination of fair values uses considerable judgment and represents the Company’s best estimate of an amount that could be realized in a market exchange for the asset or liability. The Company’s financial instruments valued using Level 3 criteria consist of one equity security. As of September 30, 2025 and December 31, 2024, the value of the equity security valued using Level 3 criteria was $193 and $189, respectively.

As of September 30, 2025, financial instruments carried at fair value were measured on a recurring basis as summarized below:

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Assets:
Fixed maturities	$	—	$	235,469	$	—	$	235,469
Equity securities		10,239		—		193		10,432
Cash equivalents		17,903		—		—		17,903
Total	$	28,142	$	235,469	$	193	$	263,804

As of December 31, 2024, financial instruments carried at fair value were measured on a recurring basis as summarized below:

	Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)		Total
Assets:
Fixed maturities	$	—	$	212,612	$	—	$	212,612
Equity securities		7,711		—		189		7,900
Cash equivalents		14,948		—		—		14,948
Total	$	22,659	$	212,612	$	189	$	235,460

			September 30, 2025				December 31, 2024
	Level in Fair Value Hierarchy ⁽¹⁾		Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Assets:
Cash and cash equivalents	Level 1		$	34,444	$	34,444	$	35,570	$	35,570
Fixed maturities	Level 2			235,469		235,469		212,612		212,612
Equity securities		⁽¹⁾		10,432		10,432		7,900		7,900
Policy loans	Level 3			1,668		1,668		1,722		1,722

Liabilities:
Junior subordinated debentures, net	Level 2			33,738		34,428		33,738		35,443
Revolving credit facility	Level 2			4,021		4,021		4,023		4,023

(1)

The Company had no transfers into or out of level 3 for the nine months ended September 30, 2025 or the year ended December 31, 2024.

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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Reference 3: http://www.xbrl.org/2003/role/exampleRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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-Subparagraph (e)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
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Investments Aggregated by Type and Industry

Leases (Details) $ in Thousands	9 Months Ended
Leases (Details) $ in Thousands	Sep. 30, 2025 USD ($) Lease	Sep. 30, 2024 USD ($)
Leases [Abstract]
Number of operating lease agreements (in Lease) \| Lease	3
Lease expense (in Dollars) \| $	$ 890	$ 761
Second Lease [Member]
Leases [Abstract]
Lease term	10 years
Renewal option period	7 years
Third Lease [Member]
Leases [Abstract]
Lease term	3 years
Renewal option period	3 years

Investments (Tables)

9 Months Ended

Sep. 30, 2025

Investments [Abstract]

Fixed maturities were comprised of the following:

	September 30, 2025
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Cost or Amortized Cost
Fixed maturities:
Bonds:
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	23,952	$	172	$	1,609	$	—	$	25,389
Loan backed and structured securities		28,737		176		2,045		—		30,606
Obligations of states and political subdivisions		7,393		16		1,389		—		8,766
Corporate securities:
Utilities and telecom		30,162		312		2,539		—		32,389
Financial services		62,866		1,036		3,129		—		64,959
Other business – diversified		38,158		219		3,060		—		40,999
Other consumer – diversified		43,997		106		4,511		—		48,402
Total corporate securities		175,183		1,673		13,239		—		186,749
Redeemable preferred stocks:
Other consumer – diversified		204		11		—		—		193
Total redeemable preferred stocks		204		11		—		—		193
Total fixed maturities	$	235,469	$	2,048	$	18,282	$	—	$	251,703

	December 31, 2024
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Allowance for Credit Losses		Cost or Amortized Cost
Fixed maturities:
Bonds:
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	22,251	$	24	$	2,144	$	—	$	24,371
Loan backed and structured securities		22,290		17		2,457		—		24,730
Obligations of states and political subdivisions		7,623		9		1,517		—		9,131
Corporate securities:
Utilities and telecom		24,623		108		3,206		—		27,721
Financial services		59,564		563		4,768		—		63,769
Other business – diversified		34,117		160		3,919		—		37,876
Other consumer – diversified		41,957		33		6,585		—		48,509
Total corporate securities		160,261		864		18,478		—		177,875
Redeemable preferred stocks:
Other consumer – diversified		187		—		5		—		192
Total redeemable preferred stocks		187		—		5		—		192
Total fixed maturities	$	212,612	$	914	$	24,601	$	—	$	236,299

Equity securities were comprised of the following:

	September 30, 2025
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Cost or Amortized Cost
Equity securities:
Common and non-redeemable preferred stocks:
Financial services	$	1,281	$	971	$	—	$	310
Communications		9,151		4,518		—		4,633
Total equity securities	$	10,432	$	5,489	$	—	$	4,943

	December 31, 2024
	Estimated Fair Value		Gross Unrealized Gains		Gross Unrealized Losses		Cost or Amortized Cost
Equity securities:
Common and non-redeemable preferred stocks:
Financial services	$	1,149	$	843	$	—	$	306
Communications		6,751		2,118		—		4,633
Total equity securities	$	7,900	$	2,961	$	—	$	4,939

Amortized Cost and Carrying Value of Fixed Maturities by Contractual Maturity

	September 30, 2025				December 31, 2024
	Carrying Value		Amortized Cost		Carrying Value		Amortized Cost
Due in one year or less	$	7,915	$	8,002	$	7,484	$	7,497
Due after one year through five years		66,531		67,793		62,722		64,703
Due after five years through ten years		27,745		28,319		32,820		35,552
Due after ten years		96,421		107,897		80,199		95,466
Asset backed securities		36,857		39,692		29,387		33,081
Totals	$	235,469	$	251,703	$	212,612	$	236,299

Investment Securities with Continuous Unrealized Loss Position

	September 30, 2025
	Less than 12 months				12 months or longer				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	739	$	7	$	14,050	$	1,602	$	14,789	$	1,609
Loan backed and structured securities		850		4		15,802		2,041		16,652		2,045
Obligations of states and political subdivisions		406		—		5,966		1,389		6,372		1,389
Corporate securities		11,252		133		120,826		13,106		132,078		13,239
Total temporarily impaired securities	$	13,247	$	144	$	156,644	$	18,138	$	169,891	$	18,282

	December 31, 2024
	Less than 12 months				12 months or longer				Total
	Fair Value		Unrealized Losses		Fair Value		Unrealized Losses		Fair Value		Unrealized Losses
U.S. Treasury securities and obligations of U.S. Government agencies and authorities	$	3,753	$	33	$	16,136	$	2,111	$	19,889	$	2,144
Loan backed and structured securities		1,010		5		16,069		2,452		17,079		2,457
Obligations of states and political subdivisions		—		—		5,839		1,517		5,839		1,517
Corporate securities		18,510		755		125,930		17,723		144,440		18,478
Redeemable preferred stocks		188		5		—		—		188		5
Total temporarily impaired securities	$	23,461	$	798	$	163,974	$	23,803	$	187,435	$	24,601

Summary of Realized Investment Gains (Losses)

The following tables summarize realized investment gains and losses for the three month and nine month periods ended September 30, 2025 and 2024.

	Three Months Ended September 30, 2025
	Fixed Maturities			Equity Securities		Other Invested Assets		Total
Gains	$	43		$	—	$	—	$	43
Losses		(41	)		—		—		(41	)
Realized investment gains, net	$	2		$	—	$	—	$	2

	Three Months Ended September 30, 2024
	Fixed Maturities		Equity Securities		Other Invested Assets		Total
Gains	$	4	$	—	$	—	$	4
Losses		—		—		—		—
Realized investment gains, net	$	4	$	—	$	—	$	4

	Nine Months Ended September 30, 2025
	Fixed Maturities			Equity Securities		Other Invested Assets		Total
Gains	$	196		$	—	$	—	$	196
Losses		(178	)		—		—		(178	)
Realized investment gains, net	$	18		$	—	$	—	$	18

	Nine Months Ended September 30, 2024
	Fixed Maturities			Equity Securities		Other Invested Assets		Total
Gains	$	19		$	—	$	—	$	19
Losses		(2	)		—		—		(2	)
Realized investment gains, net	$	17		$	—	$	—	$	17

Unrealized Gains (Losses) on Equity Securities

The following table presents the change in unrealized gains (losses) related to equity securities still held for the three month and nine month periods ended September 30, 2025 and 2024.

	Three Months Ended September 30,						Nine Months Ended September 30,
	2025			2024			2025		2024
Net realized and unrealized gains (losses) recognized during the period on equity securities	$	(848	)	$	(1,746	)	$	2,528	$	(1,617	)
Less: Net realized gains recognized during the period on equity securities sold during the period		—			—			—		—
Unrealized gains (losses) recognized during the reporting period on equity securities, net	$	(848	)	$	(1,746	)	$	2,528	$	(1,617	)

Investments - Variable Interest Entities (Details) - Other Invested Assets [Member] - VIE, Not Primary Beneficiary [Member] - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Investments [Abstract]
Carrying amount of interest	$ 6,225	$ 6,616
Investment in unconsolidated trusts	1,238	1,238
Maximum loss exposure	7,463	7,854
Outstanding commitments	$ 2,200	$ 2,200

This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

Internal-Use Software

9 Months Ended

Sep. 30, 2025

Internal-Use Software [Abstract]

Internal-Use Software

Note 6.

Internal-Use Software

On March 3, 2021, the Company entered into a hosting arrangement through a service contract with a third party software solutions vendor to provide a suite of policy, billing, claim, and customer management services. The software is managed, hosted, supported, and delivered as a cloud-based software service product offering (software-as-a-service). The initial term of the arrangement, as amended, was three years. The arrangement was renewed in March 2024 for an additional five years, with a subsequent renewal term of five years.

Service fees related to the hosting arrangement are recorded as an expense in the Company’s condensed consolidated statement of operations as incurred. Implementation expenses incurred related to third party professional and consulting services have been capitalized. The Company will begin amortizing, on a straight-line basis over the expected remaining term of the hosting arrangement, when the software is substantially ready for its intended use. The Company incurred and capitalized implementation costs of $318 and $78 during the nine months ended September 30, 2025 and 2024, respectively. As a result, the Company has capitalized $4,993 and $4,675 in implementation costs in other assets within its condensed consolidated balance sheet as of September 30, 2025 and December 31, 2024, respectively. The Company expects the software will be substantially ready for its intended use in 2026. Accordingly, the Company has not recorded any amortization expense related to software implementation costs for the three months and nine months ended September 30, 2025 and 2024.

Investments - Unrealized Gains (Losses) on Equity Securities (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Investments [Abstract]
Net realized and unrealized gains (losses) recognized during the period on equity securities	$ (848)	$ (1,746)	$ 2,528	$ (1,617)
Less: Net realized gains recognized during the period on equity securities sold during the period	0	0	0	0
Unrealized gains (losses) recognized during the reporting period on equity securities, net	$ (848)	$ (1,746)	$ 2,528	$ (1,617)

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

Insurance Reserves for Losses and Claims - Reconciliation of Total Incurred Losses to Total Insurance Benefits and Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Insurance Reserves for Losses and Claims [Abstract]
Total incurred losses			$ 94,327	$ 88,536
Cash surrender value and matured endowments			1,640	898
Benefit reserve changes			5,064	5,058
Total insurance benefits and losses incurred	$ 35,471	$ 30,760	$ 101,031	$ 94,492

Investments - Summary of Realized Investment Gains (Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Investments [Abstract]
Gains	$ 43	$ 4	$ 196	$ 19
Losses	(41)	0	(178)	(2)
Realized investment gains, net	2	4	18	17
Fixed Maturities [Member]
Investments [Abstract]
Gains	43	4	196	19
Losses	(41)	0	(178)	(2)
Realized investment gains, net	2	4	18	17
Equity Securities [Member]
Investments [Abstract]
Gains	0	0	0	0
Losses	0	0	0	0
Realized investment gains, net	0	0	0	0
Other Invested Assets [Member]
Investments [Abstract]
Gains	0	0	0	0
Losses	0	0	0	0
Realized investment gains, net	$ 0	$ 0	$ 0	$ 0

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

Allowance for Expected Credit Losses - Reinsurance Recoverables (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Allowance for Expected Credit Losses [Abstract]
Balance, beginning of period	$ 22,369	$ 22,496	$ 22,942	$ 21,103
Balance, beginning of period	43	54	51	61
Current period change for expected credit losses	0	(1)	(8)	(8)
Write-offs of uncollectible reinsurance recoverables	0	0	0	0
Balance, end of period	22,694	21,600	22,694	21,600
Balance, end of period	$ 43	$ 53	$ 43	$ 53

Amount, after valuation allowance, recoverable under reinsurance contracts. Examples include, but are not limited to, settled and unsettled claims, incurred but not reported losses, loss adjustment expense, policy benefits and policy reserves. Excludes premiums paid under reinsurance contracts.

Insurance Reserves for Losses and Claims [Abstract]

Income Taxes - Reconciliation of Income Tax Expense (Benefit) (Parentheticals) (Details)	9 Months Ended
	Sep. 30, 2025
Income Taxes [Abstract]
Federal statutory income tax rate	21.00%

Insurance Reserves for Losses and Claims - Roll-forward of Insurance Reserves for Losses and Claims (Details) - USD ($)
$ in Thousands

9 Months Ended

Sep. 30, 2025

Sep. 30, 2024

Beginning insurance reserves for losses and claims, gross

$ 93,707

$ 87,478

Less: Reinsurance recoverable on unpaid losses

(17,390)

(14,678)

Beginning insurance reserves for losses and claims, net

76,317

72,800

Incurred related to:

Current accident year

94,705

85,132

Prior accident year development

(378)

^[1]

3,404

^[2]

Total incurred

94,327

88,536

Paid related to:

Current accident year

44,487

40,786

Prior accident years

35,604

45,465

Total paid

80,091

86,251

Ending insurance reserves for losses and claims, net

90,553

75,085

Plus: Reinsurance recoverable on unpaid losses

17,160

16,779

Ending insurance reserves for losses and claims, gross

$ 107,713

$ 91,864

[1]	Prior years’ development was primarily the result of favorable development in the Medicare supplement line of business in the life and health operations, partially offset by unfavorable development in the property and casualty operations predominately in the automobile liability line of business.
[2]	Prior years’ development was primarily the result of unfavorable development in the property and casualty operations predominately in the automobile liability line of business due to inflationary factors.

Segment Information

9 Months Ended

Sep. 30, 2025

Segment Information [Abstract]

Segment Information

Note 13.

Segment Information

The Parent’s primary insurance subsidiaries operate with relative autonomy and each company is evaluated based on its individual performance. American Southern operates in the property and casualty insurance market, while Bankers Fidelity operates in the life and health insurance market. Each segment derives revenue from the collection of premiums, as well as from investment income. The Company’s strategy is to focus on well-defined geographic, demographic and/or product niches within the insurance marketplace. Substantially all revenue other than that in the corporate and other segment is from external sources.

The Company adopted ASU No. 2023-07, Segment Reporting- An Amendment for Improvements to Reportable Segment Disclosures (Topic 280) in December 2024. The most significant provision was for the Company to disclose significant segment expenses that are regularly provided to the Chief Operating Decision Maker (“CODM”). The Company’s CODM is the Chairman, President and Chief Executive Officer. The segment’s most significant expenses include insurance benefits and losses incurred and other expenses, such as commissions and underwriting. Interest expense at the segment level is insignificant. To assess proﬁtability on a reportable segment basis, the CODM reviews income (loss) before income taxes.

The following sets forth the assets, revenue and income (loss) before income taxes for each business unit as of and for the periods ended 2025 and 2024.

Assets	September 30, 2025		December 31, 2024
American Southern	$	168,631	$	147,214
Bankers Fidelity		229,859		210,819
Corporate, Other and Eliminations		32,365		35,395
Total assets	$	430,855	$	393,428

	Three Months Ended September 30,				Nine Months Ended September 30,
Revenues	2025		2024		2025		2024
American Southern	$	23,671	$	17,282	$	65,324	$	54,666
Bankers Fidelity		29,972		27,125		93,562		84,499
Corporate, Other and Eliminations		117		112		289		19
Total revenue	$	53,760	$	44,519	$	159,175	$	139,184

	Three Months Ended September 30,				Nine Months Ended September 30,
Insurance benefits and losses incurred	2025		2024		2025		2024
American Southern	$	17,962	$	13,984	$	48,572	$	41,025
Bankers Fidelity		17,509		16,776		52,459		53,467
Corporate, Other and Eliminations		-		-		-		-
Total insurance benefits and losses incurred	$	35,471	$	30,760	$	101,031	$	94,492

	Three Months Ended September 30,						Nine Months Ended September 30,
Commissions and underwriting	2025			2024			2025			2024
American Southern	$	4,146		$	3,790		$	13,562		$	11,808
Bankers Fidelity		10,828			9,980			31,161			30,756
Corporate, Other and Eliminations		(2,019	)		(2,280	)		(7,218	)		(6,824	)
Total commissions and underwriting	$	12,955		$	11,490		$	37,505		$	35,740

	Three Months Ended September 30,						Nine Months Ended September 30,
Income (loss) before income taxes	2025			2024			2025			2024
American Southern	$	1,630		$	(528	)	$	3,190		$	1,730
Bankers Fidelity		1,634			367			9,941			275
Corporate, Other and Eliminations		(2,495	)		(2,293	)		(7,111	)		(7,814	)
Income (loss) before income taxes	$	769		$	(2,454	)	$	6,020		$	(5,809	)

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-21

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
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Assets, Revenue and Income (Loss) Before Income Taxes for Each Business Unit

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract]
Net income (loss)	$ 577	$ (1,998)	$ 4,695	$ (4,680)
Other comprehensive income:
Gross unrealized holding gains arising in the period	3,601	9,095	7,471	4,913
Related income tax effect	(757)	(1,910)	(1,569)	(1,032)
Subtotal	2,844	7,185	5,902	3,881
Less: reclassification adjustment for net realized gains included in net income (loss)	(2)	(4)	(18)	(17)
Related income tax effect	1	1	4	4
Subtotal	(1)	(3)	(14)	(13)
Total other comprehensive income, net of tax	2,843	7,182	5,888	3,868
Total comprehensive income (loss)	$ 3,420	$ 5,184	$ 10,583	$ (812)

Segment Information (Tables)

9 Months Ended

Sep. 30, 2025

Segment Information [Abstract]

The following sets forth the assets, revenue and income (loss) before income taxes for each business unit as of and for the periods ended 2025 and 2024.

Assets	September 30, 2025		December 31, 2024
American Southern	$	168,631	$	147,214
Bankers Fidelity		229,859		210,819
Corporate, Other and Eliminations		32,365		35,395
Total assets	$	430,855	$	393,428

	Three Months Ended September 30,				Nine Months Ended September 30,
Revenues	2025		2024		2025		2024
American Southern	$	23,671	$	17,282	$	65,324	$	54,666
Bankers Fidelity		29,972		27,125		93,562		84,499
Corporate, Other and Eliminations		117		112		289		19
Total revenue	$	53,760	$	44,519	$	159,175	$	139,184

	Three Months Ended September 30,				Nine Months Ended September 30,
Insurance benefits and losses incurred	2025		2024		2025		2024
American Southern	$	17,962	$	13,984	$	48,572	$	41,025
Bankers Fidelity		17,509		16,776		52,459		53,467
Corporate, Other and Eliminations		-		-		-		-
Total insurance benefits and losses incurred	$	35,471	$	30,760	$	101,031	$	94,492

	Three Months Ended September 30,						Nine Months Ended September 30,
Commissions and underwriting	2025			2024			2025			2024
American Southern	$	4,146		$	3,790		$	13,562		$	11,808
Bankers Fidelity		10,828			9,980			31,161			30,756
Corporate, Other and Eliminations		(2,019	)		(2,280	)		(7,218	)		(6,824	)
Total commissions and underwriting	$	12,955		$	11,490		$	37,505		$	35,740

	Three Months Ended September 30,						Nine Months Ended September 30,
Income (loss) before income taxes	2025			2024			2025			2024
American Southern	$	1,630		$	(528	)	$	3,190		$	1,730
Bankers Fidelity		1,634			367			9,941			275
Corporate, Other and Eliminations		(2,495	)		(2,293	)		(7,111	)		(7,814	)
Income (loss) before income taxes	$	769		$	(2,454	)	$	6,020		$	(5,809	)

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 4,695	$ (4,680)
Adjustments to reconcile net income (loss) to net cash provided (used) in operating activities:
Capitalization of acquisition costs, net	(917)	(434)
Realized investment gains, net	(18)	(17)
Unrealized (gains) losses on equity securities	(2,528)	1,617
Losses from equity method investees	391	494
Compensation expense related to share awards	2	9
Benefit for credit losses		(10)
Depreciation and amortization	277	297
Deferred income tax expense (benefit)	464	(1,425)
Increase in receivables, net	(14,693)	(7,289)
Increase in insurance reserves and policyholder funds	24,472	6,460
Increase (decrease) in accounts payable and accrued expenses	2,783	(524)
Other, net	270	689
Net cash provided by (used in) operating activities	15,198	(4,813)
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from investments sold	13,447	40
Proceeds from investments matured, called or redeemed	13,406	9,963
Investments purchased	(42,301)	(10,916)
Additions to property and equipment	(465)	(126)
Net cash used in investing activities	(15,913)	(1,039)
CASH FLOWS FROM FINANCING ACTIVITIES:
Payment of dividends on common stock	(407)	(407)
Treasury stock acquired — net employee share-based compensation	(4)	(7)
Proceeds from revolving credit facility, net	0	1,000
Net cash (used in) provided by financing activities	(411)	586
Net decrease in cash and cash equivalents	(1,126)	(5,266)
Cash and cash equivalents at beginning of period	35,570	28,301
Cash and cash equivalents at end of period	34,444	23,035
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for interest	2,342	2,600
Cash paid for income taxes	$ 952	$ 580

Leases

9 Months Ended

Sep. 30, 2025

Leases [Abstract]

Leases

Note 11.

Leases

The Company has three operating lease agreements, each for the use of office space in the ordinary course of business. The original term of the first lease was to automatically renew on an annual basis and was amended on December 26, 2024, when the Company and its subsidiary, Bankers Fidelity Life Insurance Company, entered into a Second Amendment to the Lease Agreement (the “Second Amendment”) with 4370 Peachtree LLC. The Second Amendment amends the Lease Agreement, dated November 1, 2007, by and among the same parties (as previously amended, the “Lease Agreement”), pursuant to which the Company leases space for its principal offices and for some of its insurance operations in an office building located in Atlanta, Georgia. Pursuant to the Second Amendment, the Lease Agreement was modified to increase the base rent payable by the Company, beginning January 1, 2025. The Second Amendment also provides for rent adjustment on January 1, 2027, January 1, 2030 and each five years thereafter.

The original term of the second lease was ten years and amended in January 2017 to provide for an additional seven years, with a termination date on September 30, 2026. The rate used in determining the present value of lease payments is based upon an estimate of the Company’s incremental secured borrowing rate commensurate with the term of the underlying lease.

The original term of the third lease was three years and renewed for an additional three years, effective August 1, 2025 with a termination date on July 31, 2028. The rate used in determining the present value of lease payments is based upon an estimate of the Company’s incremental secured borrowing rate commensurate with the term of the underlying lease.

These leases are accounted for as operating leases, whereby lease expense is recognized on a straight-line basis over the term of the lease. Lease expense reported for the nine months ended September 30, 2025 and September 30, 2024 was $890 and $761, respectively.

Additional information regarding the Company’s real estate operating leases is as follows:

	Nine Months Ended September 30,
	2025			2024
Cash payments included in the measurement of lease liabilities reported in operating cash flows	$	939		$	797
Right-of-use assets included in other assets on the condensed consolidated balance sheet		4,823			1,981
Weighted average discount rate		7.9	%		6.8	%
Weighted average remaining lease term in years	7.0 years			2.1 years

The following table presents maturities and present value of the Company’s lease liabilities:

	Lease Liability
Remainder of 2025	$	315
2026		1,113
2027		693
2028		673
2029		645
Thereafter		3,595
Total undiscounted lease payments		7,034
Less: present value adjustment		2,129
Operating lease liability included in accounts payable and accrued expenses on the condensed consolidated balance sheet	$	4,905

As of September 30, 2025, the Company has no operating leases that have not yet commenced.

Leases - Maturities and Present Value of Lease Liabilities (Details) $ in Thousands	Sep. 30, 2025 USD ($)
Leases [Abstract]
Remainder of 2025	$ 315
2026	1,113
2027	693
2028	673
2029	645
Thereafter	3,595
Total undiscounted lease payments	7,034
Less: present value adjustment	2,129
Operating lease liability included in accounts payable and accrued expenses on the condensed consolidated balance sheet	$ 4,905
Operating Lease, Liability, Statement of Financial Position [Extensible List]	Accounts Payable and Accrued Liabilities

Recently Issued Accounting Standards

9 Months Ended

Sep. 30, 2025

Recently Issued Accounting Standards [Abstract]

Recently Issued Accounting Standards

Note 2.

Recently Issued Accounting Standards

Future Adoption of New Accounting Standards

Accounting for Long-Duration Contracts. In August 2018, the FASB issued ASU No. 2018-12, Financial Services —Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts (“ASU 2018-12”). This guidance (1) improves the timeliness of recognizing changes in the liability for future policy benefits and modifies the rate used to discount future cash flows, by updating the assumptions used in measuring the liability for future policy benefits for these contracts at least annually rather than establishing them at contract inception and retaining them over the life of the contracts, which will improve the timeliness of recognizing changes in the liability that are caused by deviations in experience from the assumptions, and these deviations will be recognized and reflected in the liability for future benefits as they occur, (2) improves the accounting for certain market-based options or guarantees associated with deposit (or account balance) contracts, (3) simplifies the amortization of deferred acquisition costs; amortization on a constant level basis will be used in place of a complex actuarial methodology that is in place under existing financial reporting standards, and (4) improves the effectiveness of the required disclosures, with additional disclosures required, including disaggregated rollforwards of deferred acquisition costs, liabilities for future policy benefits, market risk benefits and liability for policyholders’ account balances. ASU 2018-12 is effective for annual reporting periods beginning after December 15, 2024 and interim periods beginning after December 15, 2025, although earlier adoption is permitted.

The Company has completed the development of the necessary actuarial models that will be used to estimate both the liability for future benefits and the amortization of deferred acquisition costs for the affected policies and is in the process of testing the models to ensure that they reflect all applicable assumptions and product parameters. This testing includes an evaluation of the components of the amounts that will be disclosed for the transition liability under ASU 2018-12 in the Company’s consolidated financial statements as of and for the year ending December 31, 2025. The Company expects its life, Medicare supplement and certain individual accident and health products to fall within the scope of this standard. The Company has selected the modified retrospective transition method, which requires the guidance to be applied as of the beginning of the earliest period presented on the financial statements, beginning on January 1, 2024 (“Transition Date”). The modified retrospective transition method generally results in applying the standard to contracts on the basis of existing carrying value as of the Transition Date. On the Transition Date, the Company calculates the ratio of expected benefits less existing carrying values to gross premiums (net premium ratio) using updated assumptions and the discount rate immediately before the Transition Date. The Company uses the net premium ratio calculated on the Transition Date (and capped at 100% if required) to calculate the liability for future policy benefits. Upon adoption, opening equity will be adjusted for the Transaction Date impacts to accumulated other comprehensive income and retained earnings and prior periods presented (2024) will be restated following ASU 2018-12. The disclosures under ASU 2018-12 will change significantly, and the impact on our consolidated financial statements is expected to be material.

Internal Use Software. In September 2025, the FASB issued ASU No. 2025-06, Targeted Improvements to the Accounting for Internal-Use Software- Intangibles—Goodwill and Other— Internal-Use Software (Subtopic 350-40) (“ASU 2025-06”). This ASU was issued to improve the accounting for internal-use software under ASC 350-40. The update addresses limitations in prior guidance that did not reflect contemporary software development practices. The amendments apply to all entities that develop or acquire software for internal use and are intended to improve consistency in capitalization decisions, reduce complexity, and align accounting with real-world development processes.

Under the amendments introduced by ASU 2025-06 to ASC 350-40, entities are required to capitalize internal use software costs only when both of the following conditions are met:

Management Authorization: Management has authorized and committed to funding the software project.

Probable-to-Complete Threshold: It is probable that the project will be completed, and the software will be used to perform its intended function.

In evaluating the probable-to-complete recognition threshold, an entity is required to consider whether there is significant uncertainty associated with the development activities of the software (referred to as “significant development uncertainty”). The two factors to consider in determining whether there is significant development uncertainty are whether:

The software being developed has technological innovations or novel, unique, or unproven functions or features, and the uncertainty related to those technological innovations, functions, or features, if identified, has not been resolved through coding and testing.

The entity has determined what it needs the software to do (for example, functions or features), including whether the entity has identified or continues to substantially revise the software’s significant performance requirements.

If significant development uncertainty exists, capitalization should be deferred until the uncertainty is resolved. This principles-based threshold replaces the prior reliance on development stages and introduces a more consistent and judgment-based recognition model. This clarification ensures that costs are capitalized only when the project is sufficiently stable and likely to deliver its intended functionality. The ASU is effective for public business entities for annual reporting periods beginning after December 15, 2027, and interim periods within those annual periods. Early adoption is permitted as of the beginning of an annual reporting period. Lastly, entities may choose to adopt prospectively, modified retrospectively or full retrospectively. The Company is evaluating the new guidance and any effect it will have on the Company’s consolidated financial statements.

For more information regarding accounting standards that the Company has not yet adopted, see the “Recently Issued Accounting Standards - Future Adoption of New Accounting Standards” section of Note 1 of Notes to Consolidated Financial Statements in the 2024 Annual Report.

The entire disclosure for change in accounting principle. Includes, but is not limited to, nature, reason, and method of adopting amendment to accounting standards or other change in accounting principle.

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-Section S99
-Paragraph 5
-Subparagraph (SAB Topic 11.M.Q2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480530/250-10-S99-5

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 6
-Subparagraph (i)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480528/815-20-65-6

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-1

Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 10
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (e)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479654/326-10-65-4

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 10
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (e)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479654/326-10-65-4

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480530/250-10-S99-6

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (f)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481538/470-20-65-4

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481538/470-20-65-4

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147483443/250-10-50-1

Reference 29: http://www.xbrl.org/2003/role/disclosureRef
-Name Accounting Standards Codification
-Topic 250
-Publisher FASB
-URI https://asc.fasb.org/250/tableOfContent

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 40
-Name Accounting Standards Codification
-Section 65
-Paragraph 1
-Subparagraph (e)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480175/815-40-65-1

Basis of Presentation and Significant Accounting Policies [Abstract]

Investments - Investments Aggregated by Type and Industry (Details) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
U.S. Treasury Securities and Obligations of U.S. Government Agencies and Authorities [Member]
Investments [Abstract]
Estimated fair value	$ 23,952	$ 22,251
Gross unrealized gains	172	24
Gross unrealized losses	1,609	2,144
Allowance for credit losses	0	0
Amortized cost total	25,389	24,371
Loan Backed and Structured Securities [Member]
Investments [Abstract]
Estimated fair value	28,737	22,290
Gross unrealized gains	176	17
Gross unrealized losses	2,045	2,457
Allowance for credit losses	0	0
Amortized cost total	30,606	24,730
Obligations of States and Political Subdivisions [Member]
Investments [Abstract]
Estimated fair value	7,393	7,623
Gross unrealized gains	16	9
Gross unrealized losses	1,389	1,517
Allowance for credit losses	0	0
Amortized cost total	8,766	9,131
Corporate Securities [Member]
Investments [Abstract]
Estimated fair value	175,183	160,261
Gross unrealized gains	1,673	864
Gross unrealized losses	13,239	18,478
Allowance for credit losses	0	0
Amortized cost total	186,749	177,875
Corporate Securities [Member] \| Utilities and Telecom [Member]
Investments [Abstract]
Estimated fair value	30,162	24,623
Gross unrealized gains	312	108
Gross unrealized losses	2,539	3,206
Allowance for credit losses	0	0
Amortized cost total	32,389	27,721
Corporate Securities [Member] \| Financial Services [Member]
Investments [Abstract]
Estimated fair value	62,866	59,564
Gross unrealized gains	1,036	563
Gross unrealized losses	3,129	4,768
Allowance for credit losses	0	0
Amortized cost total	64,959	63,769
Corporate Securities [Member] \| Other Business - Diversified [Member]
Investments [Abstract]
Estimated fair value	38,158	34,117
Gross unrealized gains	219	160
Gross unrealized losses	3,060	3,919
Allowance for credit losses	0	0
Amortized cost total	40,999	37,876
Corporate Securities [Member] \| Other Consumer - Diversified [Member]
Investments [Abstract]
Estimated fair value	43,997	41,957
Gross unrealized gains	106	33
Gross unrealized losses	4,511	6,585
Allowance for credit losses	0	0
Amortized cost total	48,402	48,509
Redeemable Preferred Stocks [Member]
Investments [Abstract]
Estimated fair value	204	187
Gross unrealized gains	11	0
Gross unrealized losses	0	5
Allowance for credit losses	0	0
Amortized cost total	193	192
Redeemable Preferred Stocks [Member] \| Other Consumer - Diversified [Member]
Investments [Abstract]
Estimated fair value	204	187
Gross unrealized gains	11	0
Gross unrealized losses	0	5
Allowance for credit losses	0	0
Amortized cost total	193	192
Fixed Maturities [Member]
Investments [Abstract]
Estimated fair value	235,469	212,612
Gross unrealized gains	2,048	914
Gross unrealized losses	18,282	24,601
Allowance for credit losses	0	0
Amortized cost total	251,703	236,299
Common and Non-redeemable Preferred Stocks [Member] \| Financial Services [Member]
Investments [Abstract]
Estimated fair value	1,281	1,149
Gross unrealized gains	971	843
Gross unrealized losses	0	0
Cost	310	306
Common and Non-redeemable Preferred Stocks [Member] \| Communications [Member]
Investments [Abstract]
Estimated fair value	9,151	6,751
Gross unrealized gains	4,518	2,118
Gross unrealized losses	0	0
Cost	4,633	4,633
Equity Securities [Member]
Investments [Abstract]
Estimated fair value	10,432	7,900
Gross unrealized gains	5,489	2,961
Gross unrealized losses	0	0
Cost	$ 4,943	$ 4,939

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Revenue:
Insurance premiums, net	$ 51,972	$ 43,782	$ 149,031	$ 133,327
Net investment income	2,633	2,477	7,591	7,449
Realized investment gains, net	2	4	18	17
Unrealized gains (losses) on equity securities, net	(848)	(1,746)	2,528	(1,617)
Other income	1	2	7	8
Total revenue	53,760	44,519	159,175	139,184
Benefits and expenses:
Insurance benefits and losses incurred	35,471	30,760	101,031	94,492
Commissions and underwriting expenses	12,955	11,490	37,505	35,740
Interest expense	779	869	2,326	2,591
Other expense	3,786	3,854	12,293	12,170
Total benefits and expenses	52,991	46,973	153,155	144,993
Income (loss) before income taxes	769	(2,454)	6,020	(5,809)
Income tax expense (benefit)	192	(456)	1,325	(1,129)
Net income (loss)	577	(1,998)	4,695	(4,680)
Preferred stock dividends	(100)	(100)	(299)	(299)
Net income (loss) applicable to common shareholders	$ 477	$ (2,098)	$ 4,396	$ (4,979)
Earnings (loss) per common share (basic) (in Dollars per share)	$ 0.02	$ (0.1)	$ 0.22	$ (0.24)
Earnings (loss) per common share (diluted) (in Dollars per share)	$ 0.02	$ (0.1)	$ 0.22	$ (0.24)

Accounting Policies, by Policy (Policies)

9 Months Ended

Sep. 30, 2025

Future Adoption of New Accounting Standards

Under the amendments introduced by ASU 2025-06 to ASC 350-40, entities are required to capitalize internal use software costs only when both of the following conditions are met:

Management Authorization: Management has authorized and committed to funding the software project.

Probable-to-Complete Threshold: It is probable that the project will be completed, and the software will be used to perform its intended function.

Cover - shares	9 Months Ended
Cover - shares	Sep. 30, 2025	Oct. 31, 2025
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Entity Interactive Data Current	Yes
Amendment Flag	false
Document Period End Date	Sep. 30, 2025
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q3
Entity Information [Line Items]
Entity Registrant Name	ATLANTIC AMERICAN CORP
Entity Central Index Key	0000008177
Entity File Number	0-3722
Entity Tax Identification Number	58-1027114
Entity Incorporation, State or Country Code	GA
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Shell Company	false
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Contact Personnel [Line Items]
Entity Address, Address Line One	4370 Peachtree Road, N.E.
Entity Address, City or Town	Atlanta
Entity Address, State or Province	GA
Entity Address, Postal Zip Code	30319
Entity Phone Fax Numbers [Line Items]
City Area Code	404
Local Phone Number	266-5500
Entity Listings [Line Items]
Title of 12(b) Security	Common Stock, par value $1.00 per share
Trading Symbol	AAME
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding		20,397,228

Allowance for Expected Credit Losses

9 Months Ended

Sep. 30, 2025

Allowance for Expected Credit Losses [Abstract]

Allowance for Expected Credit Losses

Note 5.

Allowance for Expected Credit Losses

Reinsurance Recoverables

	At and for the three months ended September 30, 2025				At and for the nine months ended September 30, 2025
	Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses		Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	22,369	$	43	$	22,942	$	51
Current period change for expected credit losses				—				(8	)
Write-offs of uncollectible reinsurance recoverables				—				—
Balance, end of period	$	22,694	$	43	$	22,694	$	43

	At and for the three months ended September 30, 2024					At and for the nine months ended September 30, 2024
	Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses			Reinsurance Recoverables, Net of Allowance for Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	22,496	$	54		$	21,103	$	61
Current period change for expected credit losses				(1	)				(8	)
Write-offs of uncollectible reinsurance recoverables				—					—
Balance, end of period	$	21,600	$	53		$	21,600	$	53

Insurance Premium and Other Receivables

	At and for the three months ended September 30, 2025				At and for the nine months ended September 30, 2025
	Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses		Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	50,242	$	194	$	27,458	$	201
Current period change for expected credit losses				15				8
Write-offs of uncollectible insurance premiums and other receivables				—				—
Balance, end of period	$	42,399	$	209	$	42,399	$	209

	At and for the three months ended September 30, 2024					At and for the nine months ended September 30, 2024
	Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses			Insurance Premiums and Other, Net of Expected Credit Losses		Allowance for Expected Credit Losses
Balance, beginning of period	$	34,220	$	219		$	23,690	$	217
Current period change for expected credit losses				(4	)				(2	)
Write-offs of uncollectible insurance premiums and other receivables				—					—
Balance, end of period	$	30,492	$	215		$	30,492	$	215

Insurance Reserves for Losses and Claims (Tables)

9 Months Ended

Sep. 30, 2025

Insurance Reserves for Losses and Claims [Abstract]

Roll-forward of Insurance Reserves for Losses and Claims

The roll-forward of insurance reserves for losses and claims for the nine months ended September 30, 2025 and 2024 is as follows:

	Nine Months Ended September 30,
	2025			2024
Beginning insurance reserves for losses and claims, gross	$	93,707		$	87,478
Less: Reinsurance recoverable on unpaid losses		(17,390	)		(14,678	)
Beginning insurance reserves for losses and claims, net		76,317			72,800

Incurred related to:
Current accident year		94,705			85,132
Prior accident year development		(378)	⁽¹⁾		3,404	⁽²⁾
Total incurred		94,327			88,536

Paid related to:
Current accident year		44,487			40,786
Prior accident years		35,604			45,465
Total paid		80,091			86,251
Ending insurance reserves for losses and claims, net		90,553			75,085
Plus: Reinsurance recoverable on unpaid losses		17,160			16,779
Ending insurance reserves for losses and claims, gross	$	107,713		$	91,864

(1)	Prior years’ development was primarily the result of favorable development in the Medicare supplement line of business in the life and health operations, partially offset by unfavorable development in the property and casualty operations predominately in the automobile liability line of business.

(2)	Prior years’ development was primarily the result of unfavorable development in the property and casualty operations predominately in the automobile liability line of business due to inflationary factors.

Reconciliation of Total Incurred Losses to Total Insurance Benefits and Losses

Following is a reconciliation of total losses incurred to total insurance benefits and losses incurred:

	Nine Months Ended September 30,
	2025		2024
Total losses incurred	$	94,327	$	88,536
Cash surrender value and matured endowments		1,640		898
Benefit reserve changes		5,064		5,058
Total insurance benefits and losses incurred	$	101,031	$	94,492

Insurance Reserves for Losses and Claims

9 Months Ended

Sep. 30, 2025

Insurance Reserves for Losses and Claims [Abstract]

Insurance Reserves for Losses and Claims

Note 7.

Insurance Reserves for Losses and Claims

The roll-forward of insurance reserves for losses and claims for the nine months ended September 30, 2025 and 2024 is as follows:

	Nine Months Ended September 30,
	2025			2024
Beginning insurance reserves for losses and claims, gross	$	93,707		$	87,478
Less: Reinsurance recoverable on unpaid losses		(17,390	)		(14,678	)
Beginning insurance reserves for losses and claims, net		76,317			72,800

Incurred related to:
Current accident year		94,705			85,132
Prior accident year development		(378)	⁽¹⁾		3,404	⁽²⁾
Total incurred		94,327			88,536

Paid related to:
Current accident year		44,487			40,786
Prior accident years		35,604			45,465
Total paid		80,091			86,251
Ending insurance reserves for losses and claims, net		90,553			75,085
Plus: Reinsurance recoverable on unpaid losses		17,160			16,779
Ending insurance reserves for losses and claims, gross	$	107,713		$	91,864

(1)	Prior years’ development was primarily the result of favorable development in the Medicare supplement line of business in the life and health operations, partially offset by unfavorable development in the property and casualty operations predominately in the automobile liability line of business.

(2)	Prior years’ development was primarily the result of unfavorable development in the property and casualty operations predominately in the automobile liability line of business due to inflationary factors.

Following is a reconciliation of total losses incurred to total insurance benefits and losses incurred:

	Nine Months Ended September 30,
	2025		2024
Total losses incurred	$	94,327	$	88,536
Cash surrender value and matured endowments		1,640		898
Benefit reserve changes		5,064		5,058
Total insurance benefits and losses incurred	$	101,031	$	94,492

The entire disclosure for the types of coverages and products sold, and the assets, obligations, recorded liabilities, revenues and expenses arising therefrom, and the amounts of and methodologies and assumptions used in determining the amounts of such items.