0001140361-26-026432 | 11-K | XBRL Viewer

PARTY-IN-INTEREST TRANSACTIONS	12 Months Ended
Dec. 31, 2025
Atlantic American Corporation 401(k) Retirement Savings Plan [Member]
PARTY-IN-INTEREST TRANSACTIONS [Abstract]
PARTY-IN-INTEREST TRANSACTIONS	NOTE 6—PARTY-IN-INTEREST TRANSACTIONS The Plan held 336,209 shares and 365,085 shares of Atlantic American Corporation (the plan sponsor) common stock as of December 31, 2025 and 2024, respectively, in the Atlantic American Corporation Common Stock Fund. The fund invests in Atlantic American Corporation common stock and money market funds and had an estimated fair value of $951,473 and $554,930, at December 31, 2025 and 2024, respectively. Certain investments totaling $10,702,092 and $10,410,900, held by the Plan at December 31, 2025 and 2024, respectively, are managed by the Trustee and/or its affiliates. These investments, as well as notes receivable from participants, qualify as party-in-interest transactions.

PLAN TERMINATION	12 Months Ended
Dec. 31, 2025
Atlantic American Corporation 401(k) Retirement Savings Plan [Member]
PLAN TERMINATION [Abstract]
PLAN TERMINATION	NOTE 5—PLAN TERMINATION Although it has not expressed any intent to do so, the Company has the right under the Plan to discontinue its contributions at any time and to terminate the Plan subject to the provisions of ERISA. In the event of Plan termination, participants will become fully vested in their accounts as of the termination date.

INVESTMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Atlantic American Corporation 401(k) Retirement Savings Plan [Member]

Assets Carried at Fair Value Were Measured on Recurring Basis

As of December 31, 2025, assets 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

Employer common stock fund	$	-	$	951,473	$	-	$	951,473
Registered investment companies		19,677,488		-		-		19,677,488
Total investments in the fair value hierarchy	$	19,677,488	$	951,473	$	-		20,628,961
Common/collective trusts measured at NAV*								10,702,092

Total							$	31,331,053

As of December 31, 2024, assets 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

Employer common stock fund	$	-	$	554,930	$	-	$	554,930
Registered investment companies		17,447,356		-		-		17,447,356
Total investments in the fair value hierarchy	$	17,447,356	$	554,930	$	-		18,002,286
Common/collective trusts measured at NAV*								10,410,900

Total							$	28,413,186

Certain investments that are measured at fair value using the NAV per share practical expedient have not been categorized in the fair value hierarchy. The fair value amounts presented in these tables are intended to permit reconciliation of the fair value hierarchy to the amounts presented in the Statements of Net Assets Available for Benefits.

- Definition

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.

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- Definition

Tabular disclosure of fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

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SUBSEQUENT EVENTS	12 Months Ended
Dec. 31, 2025
Atlantic American Corporation 401(k) Retirement Savings Plan [Member]
SUBSEQUENT EVENTS [Abstract]
SUBSEQUENT EVENTS	NOTE 7—SUBSEQUENT EVENTS The Plan considers events or transactions that occur after the date of the Statement of Net Assets Available for Benefits, but before the financial statements are issued, to provide additional evidence relative to certain estimates or to identify matters that require additional disclosure. Subsequent events have been evaluated through June 25, 2026, the date these financial statements were issued.

INVESTMENTS - Assets Carried at Fair Value Were Measured on Recurring Basis (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member] - USD ($)

Dec. 31, 2025

Dec. 31, 2024

INVESTMENTS [Abstract]

Investments, at fair value

$ 31,331,053

$ 28,413,186

Employer Common Stock Fund [Member]

INVESTMENTS [Abstract]

Investments, at fair value

951,473

554,930

Registered Investment Companies [Member]

INVESTMENTS [Abstract]

Investments, at fair value

19,677,488

17,447,356

Investment in Fair Value [Member]

INVESTMENTS [Abstract]

Investments, at fair value

20,628,961

18,002,286

Common/collective Trusts Measured at NAV [Member]

INVESTMENTS [Abstract]

Investments, at fair value

^[1]

10,702,092

10,410,900

Level 1 [Member] | Employer Common Stock Fund [Member]

INVESTMENTS [Abstract]

Investments, at fair value

Level 1 [Member] | Registered Investment Companies [Member]

INVESTMENTS [Abstract]

Investments, at fair value

19,677,488

17,447,356

Level 1 [Member] | Investment in Fair Value [Member]

INVESTMENTS [Abstract]

Investments, at fair value

19,677,488

17,447,356

Level 2 [Member] | Employer Common Stock Fund [Member]

INVESTMENTS [Abstract]

Investments, at fair value

951,473

554,930

Level 2 [Member] | Registered Investment Companies [Member]

INVESTMENTS [Abstract]

Investments, at fair value

Level 2 [Member] | Investment in Fair Value [Member]

INVESTMENTS [Abstract]

Investments, at fair value

951,473

554,930

Level 3 [Member] | Employer Common Stock Fund [Member]

INVESTMENTS [Abstract]

Investments, at fair value

Level 3 [Member] | Registered Investment Companies [Member]

INVESTMENTS [Abstract]

Investments, at fair value

Level 3 [Member] | Investment in Fair Value [Member]

INVESTMENTS [Abstract]

Investments, at fair value

$ 0

[1]

PARTY-IN-INTEREST TRANSACTIONS (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member] - USD ($)

Dec. 31, 2025

Dec. 31, 2024

Employer Common Stock Fund [Member]

PARTY-IN-INTEREST TRANSACTIONS [Abstract]

Shares held (in Shares)

336,209

365,085

Investment, at fair value

$ 951,473

$ 554,930

Common Collective Trust [Member]

PARTY-IN-INTEREST TRANSACTIONS [Abstract]

Investment, at fair value

^[1]

$ 10,702,092

$ 10,410,900

[1]

- Definition

Fair value of investment, excluding plan interest in master trust, held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)). Includes, but is not limited to, derivative, investment measured at net asset value per share as practical expedient, and insurance contract not meeting fully-benefit responsive investment criteria.

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+ Details

Accounting Policies, by Policy (Policies) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member]	12 Months Ended
	Dec. 31, 2025
EBP, Accounting Policy [Line Items]
Basis of Accounting and Use of Estimates	Basis of Accounting and Use of Estimates: The financial statements of the Plan are prepared under the accrual method of accounting in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the financial statements and accompanying notes. Actual results could differ materially from those estimates.
Notes Receivable from Participants	Notes Receivable from Participants: Participant loans are classified as notes receivable from participants and are measured at the unpaid principal balance plus unpaid accrued interest. The Plan classifies all notes receivable from participants with no payments received for six (6) months as “in default.” Defaulted notes receivable from participants are deemed distributed and recorded as benefits paid to the participants in the Statement of Changes in Net Assets Available for Benefits.
Investment Valuation and Income Recognition	Investment Valuation and Income Recognition: The Plan’s investments are reported at estimated fair value (see Note 3). Where available, quoted market prices are used to value investments. Shares of registered investment companies are valued at the net asset value (“NAV”) of shares held by the Plan at year-end. The Plan’s employer common stock fund is a unitized stock fund valued at the net asset value of the fund. The fund mainly consists of the employer stock which is valued at the closing price reported on the active market on which the stock is traded and the value of cash held for liquidity purposes. The Plan’s interest in common/collective trusts is valued at the net asset value based on information reported by the investment advisor/trustee using the audited financial statements. The net asset value, as provided by the investment advisor/trustee, is used as a practical expedient to estimate fair value, and is based on the estimated fair value of the underlying investments held by the fund less the estimated fair value of its liabilities. The common/collective trusts do not have a finite life, unfunded commitments or significant restriction on redemptions and participant transactions may occur daily. Purchases and sales of securities are recorded on a trade date basis. Dividends are recorded on the ex-dividend date. Interest income is recorded on an accrual basis. Investment securities, in general, are exposed to various risks, including interest rate, credit, and overall market volatility risks. Due to the level of risk associated with certain investment securities, it is reasonably possible that changes in the values of investment securities will occur in the near term, and such changes could materially affect the amounts reported in the Statements of Net Assets Available for Benefits. The following describes the fair value hierarchy and provides information as to the extent to which the Plan uses fair value to measure 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 Plan has the ability to access at the measurement date. The Plan assets identified as Level 1 instruments include investments in registered investment companies. Level 2 Observable inputs, other than quoted prices included in Level 1, for the asset or liability or prices for similar assets or liabilities. The Plan assets identified as Level 2 instruments include investments in the employer common stock fund. 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 and provided primarily from the sponsors of the underlying funds. The use of different criteria or assumptions regarding data may yield different valuations.
Net Appreciation (Depreciation)	Net Appreciation (Depreciation): Net realized gains (losses) and unrealized appreciation (depreciation) are recorded in the accompanying Statement of Changes in Net Assets Available for Benefits as net appreciation (depreciation) in fair market value of investments.
Payment of Benefits	Payment of Benefits: Distributions to participants are recorded when payment is made.

STATEMENTS OF NET ASSETS AVAILABLE FOR BENEFITS - Atlantic American Corporation 401(k) Retirement Savings Plan [Member] - USD ($)

Dec. 31, 2025

Dec. 31, 2024

Investments, at fair value (Note 3):

Investments, at fair value

$ 31,331,053

$ 28,413,186

Receivables:

Notes receivable from participants

161,006

89,240

Contributions receivable:

Contributions receivable, Participant

34,381

Contributions receivable, Employer

687,589

681,693

NET ASSETS AVAILABLE FOR BENEFITS

32,214,029

29,184,119

Common/Collective Trusts [Member]

Investments, at fair value (Note 3):

Investments, at fair value

^[1]

10,702,092

10,410,900

Employer Common Stock Fund [Member]

Investments, at fair value (Note 3):

Investments, at fair value

951,473

554,930

Registered Investment Companies [Member]

Investments, at fair value (Note 3):

Investments, at fair value

$ 19,677,488

$ 17,447,356

[1]

DESCRIPTION OF THE PLAN

12 Months Ended

Dec. 31, 2025

Atlantic American Corporation 401(k) Retirement Savings Plan [Member]

DESCRIPTION OF THE PLAN [Abstract]

DESCRIPTION OF THE PLAN

NOTE 1—DESCRIPTION OF THE PLAN

The following description of the Atlantic American Corporation 401(k) Retirement Savings Plan (the “Plan”) provides only general information. Participating members (“Participants”) should refer to the Plan document for a more complete description of the Plan’s provisions. Information with regard to eligibility, contributions, distributions, vesting, withdrawals, restoration, loans, fund redistribution, and definitions of all terms are contained in that document. The Administrative Committee, consisting of employees of the plan sponsor, is responsible for oversight of the Plan.

General: The Plan is a defined contribution plan available to all U.S. employees of Atlantic American Corporation and its subsidiaries (collectively, the “Company”) except collective bargaining employees, nonresident aliens, and leased employees. Employees eligible to participate are automatically enrolled effective on the date of employment. The Plan is subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”).

Participating Companies: As of December 31, 2025 and 2024, the Company had five wholly-owned insurance subsidiaries, Bankers Fidelity Life Insurance Company and its wholly owned subsidiaries, Bankers Fidelity Assurance Company and Atlantic Capital Life Assurance Company, American Southern Insurance Company and its wholly owned subsidiary, American Safety Insurance Company, in addition to one non-insurance company, xCalibre Risk Services, Inc. All employees of these subsidiaries were eligible to participate in the Plan.

Plan Administration: The trustee of the Plan (the “Trustee”) has custodial responsibility for the Plan’s assets, including the authority and power to, among other things, invest the principal and income of the Plan’s assets.

Contributions: Eligible employees automatically become a participant and are enrolled into the Plan at a 6% deferral rate on their date of hire. At any time, a participant may cease his or her contribution or change his or her deferral percentage in 1% increments up to 75% of his or her annual compensation, as defined by the Plan, subject to certain limitations under the Internal Revenue Code (the “Code”), and elect to contribute into any of the investment funds offered by the Plan. Participant pre-tax limitation was limited to $23,500 for 2025.

Participants may also contribute amounts representing distributions from other qualified benefit plans. These contributions, if any, are classified as rollover contributions in the Statement of Changes in Net Assets Available for Benefits. Participants direct the investment of their contributions into various investment options offered by the Plan. Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions to the Plan. The maximum individual catch-up contribution amount was $7,500 for 2025.

On January 1, 2009, the Company adopted safe harbor plan provisions such that the Plan would operate on a safe harbor basis. Safe harbor contributions are fully vested immediately. The Company provides a matching employer contribution equal to a certain percentage of each participant’s contributions. The Company may also make employer profit-sharing contributions, at its discretion, which will be allocated among all eligible participants in the Plan whether they make contributions or not. The employer profit-sharing contributions totaled $147,000 for the year ended December 31, 2025. For the year ended December 31, 2025, the Company’s employer matching contribution equaled 35% of up to the first 6% of a participant’s pre-tax and/or Roth contribution. In addition to the matching contribution, the Company also made a non-elective contribution to all participants of 3% of compensation (up to a maximum of $350,000), which totaled $569,421 for the year ended December 31, 2025. The 2025 employer profit-sharing contributions and non-elective contributions are presented as contribution receivable from employer in the Statements of Net Assets Available for Benefits. All employer matching contributions are made in cash.

Vesting: Participants are always 100% vested in their own contributions including pre-tax contributions, Roth contributions, after-tax voluntary contributions, rollover contributions, safe harbor matching contributions and any discretionary profit-sharing contributions. Further, all contributions are invested at the direction of the participant.

Participants’ “vested percentage” attributable to certain employer contributions is based on years of continuous service determined under the following schedule.


Years of Service:

Less than one	0%
One	20%
Two	40%
Three	60%
Four	80%
Five	100%

Participants must have worked at least 1,000 hours in a calendar year for that year to count towards vesting. In addition, participants become fully vested upon retirement, death, or disability.

Benefits: Upon termination of service due to death, disability, retirement, or separation from service, a participant or his or her beneficiary with a vested balance greater than $5,000 may elect to receive an amount equal to the value of the participant’s vested interest in his or her account, or such amounts may remain in the Plan but contributions cease. The form of payment, selected by the participant or his or her beneficiary, is either a lump-sum distribution or a direct rollover into a qualified retirement plan or individual retirement account. A vested balance less than $5,000 is automatically distributed to the terminated participant or his or her beneficiary in the quarterly period following termination, unless otherwise directed.

Participant Accounts: Individual accounts are maintained for each of the Plan’s participants and reflect the participant’s contributions, employer contributions, and the participant’s share of the Plan’s investment income (loss). Allocations of income (loss) are based on the proportion that each participant’s account balance bears to the total of all participant account balances and their investment elections.

Investment Options: Participants may direct their contributions and any related earnings into several investment options in 1% increments. Participants may change their investment elections at any time, subject to certain fund restrictions. There were no significant changes made to the available investment alternatives during 2025.

Within the Plan, new contributions to the Atlantic American Common Stock fund were not allowed. Those participants who were invested in the Atlantic American Common Stock fund, or "Employer Common Stock Fund", were able, and existing participants continue to be able, to sell or liquidate units of the Atlantic American Common Stock fund and reinvest in existing investments offered in the Plan.

Forfeitures: Amounts forfeited from non-vested accounts, if any, are generally used to pay for Plan expenses or reduce future employer contributions. Forfeitures of $6,811 were used to offset administrative expenses charged to the Plan in 2025. At December 31, 2025 and 2024, there were $18,359 and $29,408, respectively, of forfeiture funds available to be used in the future.

Notes Receivable from Participants: Participants may borrow from their fund accounts a minimum of $1,000 up to a maximum equal to the lesser of $50,000 or 50% of their vested account balance. Participants may elect to have their loans disbursed from specific investment funds. Loan terms range from six months to five years. The loans are secured by the vested value of the participants’ account balances and bear interest at the prime rate of interest on the date of the loan plus 1% bearing interest at rates from 4.25% - 9.50%. Principal and interest are paid ratably through payroll deductions.

Specified Hardship Withdrawals: Upon written application to the Trustee by a participant for a specified hardship withdrawal, the participant may withdraw from his or her fund accounts. Such withdrawal may be made only upon the express determination that it is necessary to prevent a severe financial hardship to such participant and specific to the following events: expenses for medical care; costs directly related to the purchase of a principal residence; payment of tuition and related educational fees; and to prevent eviction from a principal residence or foreclosure on the mortgage of a principal residence. A participant who has made a specified hardship withdrawal may include any amounts necessary to pay federal, state or local income taxes or penalties reasonably anticipated to result from the distribution and shall make no more than one withdrawal during any calendar quarter.

Administrative Expenses: The Company pays certain administrative expenses of the Plan. Trustee and recordkeeping fees are shared between the Company and the Plan. Each participant account is charged a $43 quarterly Trustee and recordkeeping fee while the Company also pays a standard annual fee for Trustee and record keeping. Fees resulting from individual participant transactions, such as loan origination and benefit payments, or certain investment elections, are paid by the participant and are included in the fees amount on the Statement of Changes in Net Assets Available for Benefits.

DESCRIPTION OF THE PLAN (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member]	12 Months Ended
	Dec. 31, 2025 USD ($) Subsidiary Company Age Hour	Dec. 31, 2024 USD ($) Subsidiary Company
DESCRIPTION OF THE PLAN [Abstract]
Plan description available	true
Number of wholly-owned insurance subsidiaries (in Subsidiary) \| Subsidiary	5	5
Number of non-insurance company (in Company) \| Company	1	1
Deferral rate of eligible compensation	6.00%
Maximum contribution percentage	75.00%
Participant maximum pre-tax contribution	$ 23,500
Minimum age participants will be eligible to make pre-tax catch-up contributions (in Age) \| Age	50
Employer profit-sharing contributions amount	$ 982,783
Employer non-elective contribution to participants percentage	3.00%
Employer non-elective contribution to participants amount	$ 569,421
Plan participants vesting percentage for participant contributions	100.00%
Minimum service hours per year for vesting (in Hour) \| Hour	1,000
Participants contributions and related earnings allocated to investment options, percentage increase	1.00%
Forfeitures used to offset administrative expenses	$ 6,811
Forfeiture funds available to be used in future	$ 18,359	$ 29,408
Maximum percentage of vested account balance participants may borrow	50.00%
Notes receivable from participants, spread on prime rate	1.00%
Quarterly trustee and recordkeeping fee	$ 43
Maximum [Member]
DESCRIPTION OF THE PLAN [Abstract]
Employee optional incremental increase to deferral rate	1.00%
Employer non-elective contribution to participants amount	$ 350,000
Participant vested account balance	5,000
Participant vested account balance eligible for participant borrowing	$ 50,000
Term of notes receivable from participants	5 years
Participant loans, interest rate	9.50%
Minimum [Member]
DESCRIPTION OF THE PLAN [Abstract]
Participant vested account balance	$ 5,000
Participant vested account balance eligible for participant borrowing	$ 1,000
Term of notes receivable from participants	6 months
Participant loans, interest rate	4.25%
Maximum Individual Catch-up Contribution [Member]
DESCRIPTION OF THE PLAN [Abstract]
Participant maximum pre-tax contribution	$ 7,500
Profit-Sharing Contribution [Member]
DESCRIPTION OF THE PLAN [Abstract]
Employer profit-sharing contributions amount	$ 147,000
Participants 6% Contributions Eligible for 35% Employer Matching [Member]
DESCRIPTION OF THE PLAN [Abstract]
Employer matching contribution	35.00%
Employee contribution eligible for employer matching contribution	6.00%

INVESTMENTS

12 Months Ended

Dec. 31, 2025

Atlantic American Corporation 401(k) Retirement Savings Plan [Member]

INVESTMENTS [Abstract]

INVESTMENTS

NOTE 3—INVESTMENTS

As of December 31, 2025, assets 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

Employer common stock fund	$	-	$	951,473	$	-	$	951,473
Registered investment companies		19,677,488		-		-		19,677,488
Total investments in the fair value hierarchy	$	19,677,488	$	951,473	$	-		20,628,961
Common/collective trusts measured at NAV*								10,702,092

Total							$	31,331,053

As of December 31, 2024, assets 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

Employer common stock fund	$	-	$	554,930	$	-	$	554,930
Registered investment companies		17,447,356		-		-		17,447,356
Total investments in the fair value hierarchy	$	17,447,356	$	554,930	$	-		18,002,286
Common/collective trusts measured at NAV*								10,410,900

Total							$	28,413,186

Plan management periodically evaluates the significance of transfers between levels, if any, based upon the nature of the financial instrument and size of the transfer relative to total net assets available for benefits. For the year ended December 31, 2025, there were no material transfers between levels 1, 2, or 3.

- Definition

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.

+ References

+ Details

- Definition

The entire disclosure for fair value of investment held by employee stock purchase, saving, or similar plan (employee benefit plan (EBP)), including, but not limited to, fair value measured at net asset value per share as practical expedient (NAV).

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Paragraph 6A
-Subparagraph (h)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
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Reference 6: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Paragraph 2
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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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-Name Accounting Standards Codification
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Section 50
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-3

Reference 10: http://www.xbrl.org/2003/role/exampleRef
-Topic 962
-SubTopic 325
-Name Accounting Standards Codification
-Section 55
-Paragraph 17
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478873/962-325-55-17

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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-Paragraph 2
-Subparagraph (bbb)(2)(i)
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 962
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-Name Accounting Standards Codification
-Section 45
-Paragraph 6
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477509/962-325-45-6

Reference 13: http://www.xbrl.org/2003/role/recommendedDisclosureRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 23
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-23

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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Reference 16: http://www.xbrl.org/2003/role/disclosureRef
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Reference 17: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477804/962-205-S99-1

+ Details

STATEMENT OF CHANGES IN NET ASSETS AVAILABLE FOR BENEFITS - Atlantic American Corporation 401(k) Retirement Savings Plan [Member]	12 Months Ended
	Dec. 31, 2025 USD ($)
Contributions:
Participant	$ 1,301,702
Employer	982,783
Rollovers	166,519
TOTAL CONTRIBUTIONS	2,451,004
Investment income:
Net appreciation in fair value of investments	3,894,311
Dividends and other income	238,471
Interest income on notes receivable from participants	8,735
TOTAL ADDITIONS	6,592,521
Deductions from Net Assets
Benefit payments to participants	3,510,207
Fees	52,404
TOTAL DEDUCTIONS	3,562,611
Net Increase	3,029,910
Net Assets Available for Benefits at Beginning of Year	29,184,119
Net Assets Available for Benefits at End of Year	$ 32,214,029

SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
SIGNIFICANT ACCOUNTING POLICIES	Dec. 31, 2025
Atlantic American Corporation 401(k) Retirement Savings Plan [Member]
SIGNIFICANT ACCOUNTING POLICIES [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	NOTE 2—SIGNIFICANT ACCOUNTING POLICIES Basis of Accounting and Use of Estimates: The financial statements of the Plan are prepared under the accrual method of accounting in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the financial statements and accompanying notes. Actual results could differ materially from those estimates. Notes Receivable from Participants: Participant loans are classified as notes receivable from participants and are measured at the unpaid principal balance plus unpaid accrued interest. The Plan classifies all notes receivable from participants with no payments received for six (6) months as “in default.” Defaulted notes receivable from participants are deemed distributed and recorded as benefits paid to the participants in the Statement of Changes in Net Assets Available for Benefits. Investment Valuation and Income Recognition: The Plan’s investments are reported at estimated fair value (see Note 3). Where available, quoted market prices are used to value investments. Shares of registered investment companies are valued at the net asset value (“NAV”) of shares held by the Plan at year-end. The Plan’s employer common stock fund is a unitized stock fund valued at the net asset value of the fund. The fund mainly consists of the employer stock which is valued at the closing price reported on the active market on which the stock is traded and the value of cash held for liquidity purposes. The Plan’s interest in common/collective trusts is valued at the net asset value based on information reported by the investment advisor/trustee using the audited financial statements. The net asset value, as provided by the investment advisor/trustee, is used as a practical expedient to estimate fair value, and is based on the estimated fair value of the underlying investments held by the fund less the estimated fair value of its liabilities. The common/collective trusts do not have a finite life, unfunded commitments or significant restriction on redemptions and participant transactions may occur daily. Purchases and sales of securities are recorded on a trade date basis. Dividends are recorded on the ex-dividend date. Interest income is recorded on an accrual basis. Investment securities, in general, are exposed to various risks, including interest rate, credit, and overall market volatility risks. Due to the level of risk associated with certain investment securities, it is reasonably possible that changes in the values of investment securities will occur in the near term, and such changes could materially affect the amounts reported in the Statements of Net Assets Available for Benefits. The following describes the fair value hierarchy and provides information as to the extent to which the Plan uses fair value to measure 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 Plan has the ability to access at the measurement date. The Plan assets identified as Level 1 instruments include investments in registered investment companies. Level 2 Observable inputs, other than quoted prices included in Level 1, for the asset or liability or prices for similar assets or liabilities. The Plan assets identified as Level 2 instruments include investments in the employer common stock fund. 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 and provided primarily from the sponsors of the underlying funds. The use of different criteria or assumptions regarding data may yield different valuations. Net Appreciation (Depreciation): Net realized gains (losses) and unrealized appreciation (depreciation) are recorded in the accompanying Statement of Changes in Net Assets Available for Benefits as net appreciation (depreciation) in fair market value of investments. Payment of Benefits: Distributions to participants are recorded when payment is made.

SCHEDULE H, LINE 4i—SCHEDULE OF ASSETS (HELD AT END OF YEAR) - Schedule H, Line 4i - Schedule of Assets (Held at End of Year) (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member] - USD ($)

12 Months Ended

Dec. 31, 2025

Dec. 31, 2024

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR) [Abstract]

Participant loans

^[1]

$ 161,006

TOTAL

$ 31,492,059

Employer common stock fund [Member]

SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR) [Abstract]

Number of units (in Shares)

336,209

365,085

DESCRIPTION OF THE PLAN - Employer Matching Contributions Vesting Schedule (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member]	12 Months Ended
	Dec. 31, 2025
DESCRIPTION OF THE PLAN [Abstract]
Vesting Percentage, Less than one	0.00%
Vesting Percentage, One	20.00%
Vesting Percentage, Two	40.00%
Vesting Percentage, Three	60.00%
Vesting Percentage, Four	80.00%
Vesting Percentage, Five	100.00%

Document And Entity Information	12 Months Ended
Document And Entity Information	Dec. 31, 2025
Document Information Line Items
Entity Central Index Key	0000008177
Document Type	11-K
Document Period End Date	Dec. 31, 2025
Document Fiscal Year Focus	2025
Entity Registrant Name	Atlantic American Corporation
Amendment Flag	false
Atlantic American Corporation 401(k) Retirement Savings Plan [Member]
Document Information Line Items
Document Type	11-K
Document Period End Date	Dec. 31, 2025
Document Fiscal Year Focus	2025
Amendment Flag	false

SCHEDULE H, LINE 4i—SCHEDULE OF ASSETS (HELD AT END OF YEAR) (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member]	12 Months Ended
	Dec. 31, 2025
SCHEDULE H, LINE 4i - SCHEDULE OF ASSETS (HELD AT END OF YEAR) [Abstract]
Plan Name	401(k) RETIREMENT SAVINGS PLAN
Plan Number	001
Entity tax identification number	58-1027114

TAX STATUS	12 Months Ended
TAX STATUS	Dec. 31, 2025
Atlantic American Corporation 401(k) Retirement Savings Plan [Member]
TAX STATUS [Abstract]
TAX STATUS	NOTE 4—TAX STATUS The Plan uses a Prototype Plan sponsored by the Trustee. The Trustee received an opinion letter from the Internal Revenue Service (“IRS”), dated June 30, 2020, which states that the Prototype Plan satisfies the applicable provisions of the Code. The Plan itself has not received a determination letter from the IRS. However, the Plan’s management believes that the Plan is currently designed and being operated in compliance with the applicable requirements of the Code. Therefore, no provision for income tax has been included in the Plan’s financial statements. GAAP requires Plan management to evaluate tax positions taken by the Plan and recognize a tax liability (or asset) if the organization has taken an uncertain position that more likely than not would not be sustained upon examination by the IRS. The plan administrator has analyzed the tax positions taken by the Plan, and has concluded that as of December 31, 2025 and 2024, there are no uncertain positions taken or expected to be taken that would require recognition of the liability (or asset) or disclosure in the financial statements. The Plan is subject to routine audits by taxing jurisdictions and the Plan could be subject to income tax if certain issues were found by the IRS that could result in the disqualification of the Plan’s tax-exempt status; however, there are currently no audits for any tax periods in progress.

TAX STATUS (Details) - Atlantic American Corporation 401(k) Retirement Savings Plan [Member]	12 Months Ended
	Dec. 31, 2025
TAX STATUS [Abstract]
Internal Revenue Service opinion letter, date	Jun. 30, 2020
Determination letter from IRS	false
Tax-exempt qualified status	Nonqualified Plan [Member]