Citizens Inc (CIA)

Citizens, Inc. to Participate at Emerging Growth Virtual Conference on April 2, 2026March 31, 2026 9:20 AM
NewsfileAustin, Texas--(Newsfile Corp. - March 31, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced management's plan to present at the Emerging Growth Virtual Conference on April 2, 2026 at 3:25 ET. The live, interactive webcast and slide presentation will be accessible on the Company's Investor Relations website under the Events tab HERE. The webcast will be archived on the website for future viewing.About Citizens, Inc.Citizens, Inc. (NYSE: CIA) is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. Through its customer-centric growth strategy, Citizens offers innovative products to address the evolving needs of its customers in their native languages of English, Spanish, Portuguese, and Mandarin. The Company operates two primary segments: International Insurance, where the Company is a market leader in U.S. Dollar denominated life insurance and Domestic Insurance where it is growing in niche markets in the United States through its final expense products distributed through white-label and established distribution channels. Citizens' stock is included in the Russell 2000® and Russell 3000® indexes. For more information about Citizens, please visit the website at www.citizensinc.com and LinkedIn.Contact InformationInvestors
Darrow Associates Investor Relations
Jeff Christensen and Matt Kreps
Email: CIA @mmartati-6917 (Jeff) and 214-597-8200 (Matt)To view the source version of this press release, please visit https://www.newsfilecorp.com/release/290606
Original: Citizens, Inc. to Participate at Emerging Growth Virtual Conference on April 2, 2026

Citizens, Inc. Reports Full Year and Fourth Quarter 2025 Financial ResultsMarch 12, 2026 4:05 PM
NewsfileHighest ever full year total revenues: $255.6 million in 2025, up from $245.0 million in 2024.
Adjusted total revenues of $255.5 million in 2025, from $247.6 million in 2024.Record quarter for total revenues: $72.1 million in Q4 2025, up from $63.5 million in Q4 2024. 
Adjusted total revenues of $70.2 million in Q4 2025, from $67.6 million in Q4 2024.Income before federal income tax of $17.5 million in 2025, from $15.0 million in 2024.
Adjusted income before federal income tax in full year 2025 of $17.3 million, from $21.3 million in 2024.Income before federal income tax of $7.9 million in Q4 2025, from $3.7 million in Q4 2024. Adjusted income before federal income tax of $6.0 million in Q4 2025, from $8.0 million in Q4 2024. Book value per Class A share of $4.67 on December 31, 2025 increased from $4.21 on December 31, 2024. Adjusted book value per Class A share of $6.43 on December 31, 2025, from $6.14 on December 31, 2024.Austin, Texas--(Newsfile Corp. - March 12, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today reported results for the fourth quarter and full year ended December 31, 2025."Delivering tangible results is a key step as we progress along our strategic roadmap. We finished the year with record full year and fourth quarter revenue and record total direct insurance in force of $5.43 billion. This was driven by broadening our product offerings and distribution reach. Our producing agents have increased 22% since the fourth quarter 2024. This is the thirteenth consecutive quarter of year-over-year growth in first year premiums, driven by our rapidly expanding sales force and innovative products," said Jon Stenberg, President and Chief Executive Officer. "Investment in our strategic roadmap reinforces our leadership and is designed to deliver clear growth for premiums and adjusted book value per share. Additionally, we remain fully committed to sustainable profitable growth and capital management, as evidenced by our positive net cash from operations every year since 2004, and remain committed to extending this track record.""Looking ahead, we expect revenue and profit growth for the full year 2026. We believe we're well positioned to drive long-term value creation for both our customers and shareholders, supported by our robust global business model, disciplined execution, and favorable demographic tailwinds worldwide. Our competitive advantages in expanding niche markets worldwide, rapidly growing our sales force, and expertise in profitable product development reinforce our positive outlook," concluded Stenberg.Reporting Segments Reclassification
Effective December 31, 2025, Citizens reorganized its insurance reporting structure, shifting from Life Insurance and Home Service Insurance segments to International Insurance and Domestic Insurance segments. Management believes this realignment enhances transparency and more accurately reflects the manner in which we operate the business, evaluate performance, and execute our strategic priorities.Citizens has recast prior-period segment information to conform to the new segment structure. These changes affect only how we present results by segment and had no impact on our consolidated balance sheets, consolidated statements of operations and comprehensive income (loss), or consolidated cash flows statements.Recent Business Highlights
Record setting results and highlight accomplishments for Citizens during the full year ended December 31, 2025, including:Record number of producing agents: increased global network of producing agents, up 22% since December 31, 2024.Highest-ever amount of total direct insurance in force: $5.43 billion of total direct insurance in force at December 31, 2025, up 3.9% compared to the same period in 2024.Second highest amount of insurance issued in a year of $1.1 billion in 2025.Direct insurance premiums of $188.8 million in 2025, up 6% from $178.8 million in 2024 driven by sales of our new product offerings and expanded distribution in our Domestic Insurance segment. 
First year premiums have increased year-over-year for thirteen consecutive quarters. In 2025, total premium revenues increased for the second straight year.Fourth Quarter 2025 Financial Results
Record quarter for total revenues: $72.1 million in Q4 2025, up 14% from $63.5 million in Q4 2024. 
Adjusted total revenues of $70.2 million in Q4 2025, increased 4% from $67.6 million in Q4 2024.Income before federal income tax of $7.9 million in Q4 2025, from $3.7 million in Q4 2024. Adjusted income before federal income tax of $6.0 million in Q4 2025, from $8.0 million in Q4 2024.Total assets of $1.8 billion, cash and cash equivalents of $23.0 million and no debt at December 31, 2025. Book value per Class A share of $4.67 on December 31, 2025 increased 11% over the year-ago period. Book value per Class A share excluding accumulated other comprehensive income (loss) (AOCI) of $6.43 on December 31, 2025 increased 5% over the year-ago period. The Company has achieved twelve consecutive quarters of book value per Class A share growth.All-time high total revenues in a quarter of $72.1 million in the fourth quarter of 2025, increased from $63.5 million in the year-ago quarter, driven by $6.0 million increase in investment related gains due primarily from write-down the Company's investment in BlackRock's ESG Investment Fund in Q4 2024, combined with Q4 2025 increases in all other operating items; $1.1 million increase in net investment income due to our diversified investment strategy, $0.8 million increase in other income related to the issuance of supplemental contracts, and $0.7 million increase in premium revenue. Total benefits and expenses increased to $64.2 million in the fourth quarter of 2025, from $59.8 million in the same year-ago quarter due to higher reserves and general expenses. The increase in future policy benefit reserves was a result of continued strong sales leading to new insurance issued. Additionally, continued investment in the growth of the business led to $1.4 million of higher general expenses. Matured endowment benefits increased slightly in Q4 2025 compared to year-ago quarter. These maturities were contractually expected and were at their highest level in 2025; the Company expects reduced levels of maturities starting in 2026 over the next few years as fewer of these contracts expire.Income before federal income tax of $7.9 million in Q4 2025, increased from $3.7 million in Q4 2024. Net income for the fourth quarter of 2025 was $7.3 million, or $0.14 income per fully diluted Class A share, from $3.6 million net income, or $0.07 income per fully diluted Class A share, in the prior year quarter. This increase was driven by the increase in total revenues and lower total insurance benefits paid or provided, partially offset by higher general expenses. Adjusted net income of $5.6 million, or $0.11 adjusted income per fully diluted Class A share, in Q4 2025, from $7.8 million adjusted net income, or $0.15 adjusted income per fully diluted Class A share, in the year-ago quarter. Adjusted net income excludes investment related gains (losses) and loss from ceased property insurance business and discrete items. The definitions of Non-GAAP information and comparable GAAP information is included in the Explanatory Notes on Use of Non-GAAP Measures section and defines and reconciles measures not presented in accordance with generally accepted accounting principles ("GAAP") (a "non-GAAP Financial Measure").Investments
Net investment income of $18.4 million for the fourth quarter of 2025, an increase from $17.3 million in the same year-ago quarter, as the Company has been investing in investment grade private placement fixed income securities and structured notes where it expects higher returns. This investment strategy, along with the receipt of a one-time special dividend of $1.7 million from a limited partnership investment, led to higher net investment income in the full year 2025 compared to 2024. The average pre-tax yield on the investment portfolio was at 4.67% in 2025 from 4.56% in the prior year.The carrying value of the Company's fixed maturity securities investment portfolio at December 31, 2025 was $1.3 billion, an increase from $1.2 billion at December 31, 2024.Cash Flow
Positive net cash provided by operating activities was $18.0 million for the full year 2025. The Company has had positive net cash provided by operating activities annually since 2004. The Company had cash and cash equivalents of $23.0 million and no debt at December 31, 2025.Key Growth Initiatives
Citizens' strategic roadmap is designed to deliver sustainable growth in premiums, adjusted net income, and adjusted book value per share. Citizens' key growth initiatives:Increase first year premium revenuesIncrease penetration in new and existing countries servedIntroduce products or major product enhancementsEnhance agent and client servicing platforms that drive efficiencyAbout Citizens, Inc.Citizens, Inc. (NYSE: CIA) is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. Through its customer-centric growth strategy, Citizens offers innovative products to address the evolving needs of its customers in their native languages of English, Spanish, Portuguese, and Mandarin. The Company operates two primary segments: International Insurance, where the Company is a market leader in U.S. Dollar denominated life insurance and Domestic Insurance where it is growing in niche markets in the United States through its final expense products distributed through white-label and established distribution channels. Citizens' stock is included in the Russell 2000® and Russell 3000® indexes. For more information about Citizens, please visit the website at www.citizensinc.com and LinkedIn.Explanatory Notes on Use of Non-GAAP MeasuresIn addition to the financial information prepared in conformity with accounting U.S. generally accepted accounting principles ("GAAP"), in this press release, the Company provides certain non-GAAP financial measures that we believe improves understanding of the underlying business trends. Adjustments to GAAP measures generally apply to discrete events and items not indicative of our operating trends.Adjusted Total Revenues is a non-GAAP measure that excludes investment related gains (losses) from total revenues. Management believes the adjusted total revenues metric is meaningful, as it allows investors to evaluate revenues generated by core business activities excluding items that are heavily impacted by investment market fluctuations.Adjusted Income Before Federal Income Tax is a non-GAAP measure that is computed as pre-tax GAAP operating income with discrete adjustments that exclude investment related gains (losses), income (loss) from ceased businesses and other special items not indicative of operating trends. Management believes this metric is meaningful, as it allows investors to evaluate underlying profitability and enhances comparability across periods, by excluding items that are heavily impacted by investment market fluctuations and other economic factors that are not indicative of operating trends.Adjusted Net Income is a non-GAAP measure that is derived by excluding the tax effected Adjusted Income Before Federal Income Tax adjustments described above. The provision for income tax related to adjusted after-tax income is calculated using our effective tax rate excluding discrete items.Adjusted Income Per Share of Class A Common Stock Basic and Diluted is a non-GAAP measure that is defined as adjusted net income for the period divided by the weighted average number of basic and fully diluted shares of common stock outstanding for the period.Adjusted Book Value Per Share of Class A Common Stock is a non-GAAP measure that is calculated by dividing actual Class A common stockholders' equity, excluding AOCI, by the number of Class A common shares outstanding at the end of the period. Management believes this metric is meaningful, as it allows investors to evaluate underlying book value growth by excluding the impact of interest rate volatility.Selected Consolidated Financial Data













As of and for the periods ended
Three Months Ended
December 31,

Year Ended
December 31,
(In thousands, except per share data)
2025

2024

2025

2024
Balance sheet data











Total assets$1,754,760

1,685,325

1,754,760

1,685,325
Total liabilities
1,519,775

1,474,970

1,519,775

1,474,970
Total stockholders' equity
234,985

210,355

234,985

210,355
Total direct insurance in force
5,431,721

5,227,506

5,431,721

5,227,506


 

 

 

 
Operating items
 

 

 

 
Direct insurance premiums$53,423

51,108

188,766

178,841
Insurance premiums
49,883

49,199

176,371

173,328
Net investment income
18,376

17,308

72,039

69,712
Investment related gains (losses), net
1,881

(4,163)
140

(2,626)Total revenues
72,070

63,474

255,616

245,001


 

 

 

 
Claims and surrenders
40,431

41,961

165,025

146,082
Other general expenses
13,598

12,194

53,041

52,266
Total benefits and expenses
64,206

59,758

238,146

230,021


 

 

 

 
Income (loss) before federal income tax
7,864

3,716

17,470

14,980
Federal income tax expense (benefit)
526

95

2,879

68
Net income (loss)
7,338

3,621

14,591

14,912


 

 

 

 
Per share data
 

 

 

 
Book value per share$4.67

4.21

4.67

4.21
Diluted income (loss) per Class A share
0.14

0.07

0.28

0.29
 Definition of Reported Segments
The Company is comprised of two operating business segments and other non-insurance enterprises as detailed below. The insurance operations are the Company's primary focus and are the lead income generators of the business.International Insurance - Our International Insurance segment issues U.S. dollar-denominated ordinary whole life insurance and endowment policies predominantly to non-U.S. residents located principally in Latin America and the Pacific Rim. Our products in this segment are sold through independent agents. Domestic Insurance - Domestically, we are licensed in 43 U.S. states and sell whole life final expense insurance and life insurance with living benefits and critical illness products. The Domestic Insurance segment provides life insurance policies marketed to middle- and lower-income households. These products are sold through independent agents and funeral homes.Selected Segment Financial Data













As of and for the periods ended
Three Months Ended
December 31,

Year Ended
December 31,
(In thousands)
2025

2024

2025

2024
INTERNATIONAL INSURANCE SEGMENT









Balance sheet data











Total assets$1,190,736

1,151,562

1,190,736

1,151,562


 

 

 

 
Operating items
 

 

 

 
Direct insurance premiums$35,571

35,495

120,177

120,456
Insurance premiums
35,109

35,222

118,355

118,803
Net investment income
12,747

12,239

50,869

49,174
Investment related gains (losses), net
1,509

(3,921)
(478)
(1,929)Total revenues
51,287

44,664

175,659

170,582


 

 

 

 
Claims and surrenders
33,545

35,513

139,017

117,730
Total benefits and expenses
43,715

40,753

161,277

147,070


 

 

 

 
Income (loss) before federal income tax
7,572

3,911

14,382

23,512


 

 

 

 
DOMESTIC INSURANCE SEGMENT
 

 

 

 
Balance sheet data
 

 

 

 
Total assets$529,357

498,526

529,357

498,526


 

 

 

 
Operating items
 

 

 

 
Direct insurance premiums
17,852

15,613

68,589

58,385
Insurance premiums
14,774

13,977

58,016

54,525
Net investment income
5,434

4,895

20,420

19,654
Investment related gains (losses), net
352

(252)
587

(680)Total revenues
20,568

18,626

79,051

73,469


 

 

 

 
Claims and surrenders
6,886

6,448

26,008

28,352
Total benefits and expenses
18,256

16,753

66,918

71,555


 

 

 

 
Income (loss) before federal income tax
2,312

1,873

12,133

1,914
 GAAP to Non-GAAP ReconciliationsReconciliation of Adjusted Total Revenues













For the periods ended
Three Months Ended
December 31,

Year Ended
December 31,
Unaudited (In thousands)
2025

2024

2025

2024
Total revenues$72,070

63,474

255,616

245,001
Less:
 

 

 

 
Investment related gains (losses)
1,881

(4,163)
140

(2,626)Adjusted total revenues$70,189

67,637

255,476

247,627
 Reconciliation of Adjusted Income Before Federal Income Tax













For the periods ended
Three Months Ended
December 31,

Year Ended
December 31,
Unaudited (In thousands)
2025

2024

2025

2024
Income (loss) before federal income tax$7,864

3,716

17,470

14,980
  Less:
 

 

 

 
Investment related gains (losses)
1,881

(4,163)
140

(2,626)Property insurance business income (loss)
-

(130)
-

(204)Legal fee accrual
-

-

-

(3,500)Adjusted income before federal income tax$5,983

8,009

17,330

21,310
 Reconciliation of Adjusted Net Income













For the periods ended
Three Months Ended
December 31,

Year Ended
December 31,
Unaudited (In thousands)
2025

2024

2025

2024
Net income (loss)$7,338

3,621

14,591

14,912
  Less:
 

 

 

 
Investment related gains (losses)
1,881

(4,163)
140

(2,626)Property insurance business income (loss)
-

(130)
-

(204)Legal fee accrual
-

-

-

(3,500)Income tax impact
(126)
110

290

(793)Adjusted net income$5,583

7,804

14,161

22,035
 Reconciliation of Adjusted Income Per Share of Class A Common Stock













For the periods ended
Three Months Ended
December 31,

Year Ended
December 31,
Unaudited (In thousands, except per share amounts)
2025

2024

2025

2024
Basic and diluted adjusted income per share:









Adjusted net income$5,583

7,804

14,161

22,035


 

 

 

 
Weighted average shares of Class A outstanding - basic
50,295

49,904

50,145

49,738
Weighted average shares of Class A outstanding - diluted
51,607

50,915

51,456

50,748


 

 

 

 
Basic adjusted income per share of Class A common stock$0.11

0.16

0.28

0.44
Diluted adjusted income per share of Class A common stock$0.11

0.15

0.28

0.43
 Reconciliation of Stockholders' Equity and Book Value per Class A Common Share









As of December 31,
Unaudited (In thousands, except per share data)
2025

2024
Stockholders' equity, end of period$234,985

210,355
Less: Accumulated other comprehensive income (loss) (AOCI)
(88,421)
(95,965)Stockholders' equity, end of period, excluding AOCI$323,406

306,320


 

 
Book value per Class A common share - diluted$4.67

4.21
Less: Per share impact of AOCI
(1.76)
(1.93)Book value per Class A common share - diluted, excluding AOCI$6.43

6.14
 Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which can be identified by words such as "may," "will," "expect," "anticipate," "believe," "project," "intends," "continue" or comparable words. Such forward-looking statements may relate to the Company's expectations regarding its business performance, operational strategy, capital expenditures, technological changes, regulatory actions, and other financial and operational measures. In addition, all statements other than statements of historical facts that address activities that the Company expects or anticipates will or may occur in the future are forward-looking statements. Such statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions, which are difficult to predict and many of which are beyond our control. Therefore, actual outcomes and results may differ materially from those matters expressed or implied in such forward-looking statements. The risks, uncertainties and assumptions that are involved in our forward-looking statements include, but are not limited to the risk factors discussed in our most recently filed periodic reports on Form 10-K and Form 10-Q. The Company undertakes no duty or obligation to update any forward-looking statements contained in this release as a result of new information, future events or changes in the Company's expectations. Accordingly, you should not unduly rely on these forward-looking statements. The Company also disclaims any duty to comment upon or correct information that may be contained in reports published by the investment community.Citizens, Inc. Investor Relations Contacts
Darrow Associates Investor RelationsJeff Christensen and Matt Kreps
Email: CIA @mmartati-6917 (Jeff) and 214-597-8200 (Matt)To view the source version of this press release, please visit https://www.newsfilecorp.com/release/288200
Original: Citizens, Inc. Reports Full Year and Fourth Quarter 2025 Financial Results

Citizens, Inc. to Participate at Noble Capital Markets' Emerging Growth Virtual Conference on February 4 and 5, 2026January 28, 2026 4:45 PM
NewsfileAustin, Texas--(Newsfile Corp. - January 28, 2026) - Citizens, Inc. (NYSE: CIA), a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today announced management's plan to present and participate in one-on-one meetings at the Noble Capital Markets' Emerging Growth Virtual Conference on February 4 and 5, 2026.Citizens management will be available for one-on-one meetings at the Noble Capital Virtual Conference on February 4 and 5, 2026. Conference attendees are encouraged to request a one-on-one meeting with Citizens, and should send an email to gpigato@noblecapitalmarkets.com.Noble Conference will also host a fireside chat webcast with Citizens management on February 4, 2026 at 2:00 PM ET, moderated by a Noble Capital research analyst. The live, interactive fireside chat webcast with questions welcome from the live virtual audience will be accessible on the Company's Investor Relations website HERE. Registration is free and you do not need to be a Noble Capital client. The webcast will be archived on the website for future viewing.About Citizens, Inc.Citizens, Inc. (NYSE: CIA) is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. Through its customer-centric growth strategy, Citizens offers innovative products to address the evolving needs of its customers in their native languages of English, Spanish, Portuguese, and Mandarin. The Company operates two primary segments: Life Insurance, where internationally the Company is a market leader in U.S. Dollar denominated life insurance and where it is growing in niche markets in the United States through its final expense products distributed through white-label and established distribution channels, and Home Service Insurance, which operates primarily in the U.S. Gulf coast region. Citizens' stock is included in the Russell 2000® and Russell 3000® indexes. For more information about Citizens, please visit the website at www.citizensinc.com and LinkedIn.Contact InformationInvestors
Darrow Associates Investor Relations
Jeff Christensen and Matt Kreps
Email: CIA @mmartati-6917 (Jeff) and 214-597-8200 (Matt)To view the source version of this press release, please visit https://www.newsfilecorp.com/release/281969
Original: Citizens, Inc. to Participate at Noble Capital Markets' Emerging Growth Virtual Conference on February 4 and 5, 2026

Yearly report due May 25? “Citizens (NYSE:CIA) is likely to report quarterly earnings at $0.34 per share on revenue of $422.63 million.“

Couple of more up days and a massive increase is possible, with recent hurricanes more people will also be seeking home insurance in addition to life insurance for pandemics, has to be an industry that is hot right now because of these factors, perfect storm, all imo

Updated short interest 8/31/21 10.71% of float

Company in way better shape today than on March 11 when it reached $7.05 all imo

Again, 6 month chart says a big chance at major share price increase beginning this afternoon/tomorrow, good numbers in last filing for company, high short interest and heading into fall/winter flu season, company’s customers will be more likely to consider life insurance and related purchases in this timeframe, all imo

Company bought back stock form 4 on 8/31/21:

https://www.otcmarkets.com/filing/html?id=15200817&guid=QKY9kKCL2q4zKth

Big chance at SP increase here imo

“Citizens Announces Q2 2021 Financial Results

Year-over-year earnings up $0.12 per share

AUSTIN, Texas, Aug. 5, 2021 /PRNewswire/ -- Citizens, Inc. (NYSE: CIA) today announced Q2 2021 financial results showing $0.10 earnings per share, a $0.12 increase over the prior year. The significant improvement is driven by higher realized gains and was positively impacted by higher premium revenue in the quarter due to focused sales campaigns and lower sales in the prior year as a result of the impact of the COVID-19 environment.

Gerald W. Shields, Vice-Chairman of the Board and interim CEO, said, "Premium revenue trends improved with the second quarter 3% above last year and 10% above the previous quarter resulting from our improving distribution capability, better service, and innovative new products. These improvements are core to our strategy and will remain key drivers of our performance across our business."

Mr. Shields went on to say, "In our Home Services Segment, we had one of the best quarters since 2017. We are receiving strong customer reception to our new whole life product, Security Plan Plus™, which utilizes digital technology to enhance the speed and ease of the application process. We remain focused on product innovation, customer experience improvements and operational excellence and are pleased with our early customer receptivity and trends—all leading indicators underlying long-term growth."

Q2 Highlights (versus Q2 2020)

Net income of $0.10 per share of Class A common stock up $0.12 per share vs. the prior year
Revenue up 9% primarily on realized investment gains
Claims and surrenders up 6%--Life Insurance segment up 13%, Home Services segment down (19%)
General expenses up 3% on higher rent on the new headquarters
Net income of $0.10 per Class A earnings share improved by $0.12 versus the prior year, largely on higher realized investment gains resulting from new investment opportunities. Net income was positively impacted by increased revenue and lower federal taxes.

Revenue increased by 9%, primarily driven by a $3 million increase to realized gains driven mainly by fair value increases from new investment opportunities in limited partnerships, a 3% increase in premiums and lower sales in the prior year due to the impact of the COVID-19 environment.

The overall number of policies issued increased by 82% and 17% versus last year and last quarter, respectively, due to enhancements made to our business operations and sales practices to meet changing customer needs.

In the Life Insurance segment, premium revenues were flat versus the prior year and 10% over the previous quarter on strong first year premiums. During the second quarter, the significant increase in first year premiums offset the decline in renewal premiums. We continue implementing new targeted sales campaigns and promotions to stimulate sales, improve the time to issue, and develop new business opportunities. In addition, we are benefiting from successful agent recruitment efforts with an 18% increase in active international agents. All of these initiatives contributed to a 60% increase in the number of policies issued versus last year and a 9% improvement over the first quarter.

In the Home Services segment, new business premiums increased 30% and 20% compared to the prior year and the prior quarter, respectively. The improvement was primarily due to expanding an automatic issue product offered to existing policyholders, which boosted the number of policies issued and produced a slight increase in average face values. Renewal premiums increased primarily due to continued strong collection efforts by independent agents and less pressure on disposable income of insureds as a result of government stimulus and assistance programs.

During the second quarter, the Home Services segment introduced a new whole life product, Security Plan Plus™, with digital technology, improving the speed and ease of the application process and with higher allowable face values. Security Plan Plus was designed with today's consumers in mind, offering a highly competitive product with a sleek combination of design, functionality, and value.

Claims and surrenders benefits increased by 6% versus the prior year, on a 13% increase in the Life Insurance segment. This segment experienced a 49% increase in death claims, including COVID-19 claims and a 28% increase in surrenders. As previously disclosed, surrenders have been increasing over the last several years primarily due to a combination of an aging block of business, with little to no associated surrender charges, coupled with the challenging economic conditions, especially in Latin America. Death claim benefits in the Life Insurance segment have also increased due to higher volume and a higher average amount of reported claims. At the same time, claims and surrenders in the Home Services segment dropped by 16%, on a 19% decrease in death claim benefits during the second quarter compared to the prior year, which had a high number of COVID-19 death claims.

General expenses were up 3% from the prior year driven by advertising costs for our new domestic product and increased rent related to the new headquarters location.

Segment Operations

Our Company is comprised of two operating business segments and other non-insurance enterprises as detailed below. Our insurance operations are the primary focus of the Company and are the lead income generators of the business.

Life Insurance
Our Life Insurance segment primarily issues U.S. dollar-denominated ordinary whole life insurance and endowment policies predominantly sold to non-U.S. residents located principally in Latin America and the Pacific Rim through independent marketing consultants. We began re-selling domestically in Florida in 2021.

Home Service Insurance
Our Home Service Insurance segment provides final expense life insurance and limited liability property insurance policies marketed to middle- and lower-income households, as well as whole life products with higher allowable face values in Louisiana, Mississippi and Arkansas, sold through independent agents and through funeral homes.

Other Non-Insurance Enterprises
Other Non-Insurance Enterprises primarily include the Company's IT and Corporate support functions. Their data is included in the segment data table to properly reconcile the segment information with the consolidated financial statements of the Company.

FOR FURTHER INFORMATION CONTACT:
Investor Relations PR@citizensinc.com

https://c212.net/c/img/favicon.png?sn=DA66664&sd=2021-08-05 View original content to download multimedia:https://www.prnewswire.com/news-releases/citizens-announces-q2-2021-financial-results-301349828.html

SOURCE Citizens, Inc.“

Could see 4.00 in near term imo

About two weeks or so here till bottom and next run imo based on six month chart

Another month maybe for the next try at a reversal imo

The chart just isn’t ready yet it appears from today’s price action imo, maybe next month

Big revenues I hope from the increase in life insurance demand in this new world, company turned around and going in the right direction imo

Hopefully Reddit’s pump and dump in the odd months of the year applies to CIA, usually begins mid month imo

Great week ahead possibly as potential CIA customers wonder whether life insurance is a good idea post pandemic imo

Got back to 5.40s after a tougher morning maybe some belief that this is a sustainable run now that the company appears to have everything in order and growing business channels

Nothing negative materialized from the accounting firm change as described in the filing, strength resuming after initial caution imo

Acct firm changed
8-K 06/22/2021 06/16/2021
https://www.otcmarkets.com/filing/html?id=15045574&guid=UR1kkWjD9GeyLth

Last few trading sessions it looks like more traders could be catching on to the possibility of consumer interest in insurance post pandemic

Just gotta keep accumulating at low volume until this gets on the short squeeze radar imo

Which day will Reddit look at the short percentage here if ever

Insurance stock as pandemic is coming to an end with the memory fresh in the minds of consumers could be prime time for this sector imo. Where is Reddit on the short interest here?

Share Structure

Market Cap Market Cap
271,331,725
06/23/2021
Authorized Shares
Not Available
Outstanding Shares
49,603,606
04/30/2021
Restricted
Not Available
Unrestricted
Not Available
Held at DTC
Not Available
Float
Not Available
Par Value
No Par Value

https://www.otcmarkets.com/stock/CIA/security

Continuing short squeeze candidate off the radar so far imo

There is also a new generation vibe in the company name and the business model imo which could attract retail investors and Reddit in a short squeeze scenario

CIA is a life insurance company after a pandemic where b/c of the pandemic experience people will likely be thinking more about getting life insurance and dying less from the declining pandemic in theory and imo

Short interest here is 13.5% on a life insurance company

Chart shaping up for a run after long term consolidation, short squeeze candidate if Reddit would ever wake up to it

CIA buyer at 7.09

CIA bullish 9.95

life insurance company
uptrending
macd crossed 0 up
macd signal line crossed average up
price just went above the parabolic sar

bounced off the 38.2% fibonacci retracement
38.2% level indicates a strong uptrend
anything below 61.8% indicates trend change bearish
redraw following new highs up until it breaks 61.8%
then draw for bearish case following new lows down later





normal chart


log chart

$CIA recent news/filings

bullish 7.02
note earnings 3/10

## source: finance.yahoo.com

$CIA charts

basic chart ## source: stockcharts.com



basic chart ## source: stockscores.com



big daily chart ## source: stockcharts.com



big weekly chart ## source: stockcharts.com



$CIA company information

## source: otcmarkets.com

Link: http://www.otcmarkets.com/stock/CIA/company-info
Ticker: $CIA
OTC Market Place: Not Available
CIK code: 0000024090
Company name: Citizens, Inc.
Company website: http://www.citizensinc.com
Incorporated In: CO, USA


$CIA share structure

## source: otcmarkets.com

Market Value: $369,573,258 a/o Mar 03, 2016
Shares Outstanding: 49,080,114 a/o Aug 02, 2013
Float: Not Available
Authorized Shares: Not Available
Par Value: No Par Value

$CIA extra dd links

Company name: Citizens, Inc.
Company website: http://www.citizensinc.com

## STOCK DETAILS ##
After Hours Quote (nasdaq.com): http://www.nasdaq.com/symbol/CIA/after-hours
Option Chain (nasdaq.com): http://www.nasdaq.com/symbol/CIA/option-chain
Historical Prices (yahoo.com): http://finance.yahoo.com/q/hp?s=CIA+Historical+Prices
Company Profile (yahoo.com): http://finance.yahoo.com/q/pr?s=CIA+Profile
Industry (yahoo.com): http://finance.yahoo.com/q/in?s=CIA+Industry

## COMPANY NEWS ##
Market Stream (nasdaq.com): http://www.nasdaq.com/symbol/CIA/stream
Latest news (otcmarkets.com): http://www.otcmarkets.com/stock/CIA/news - http://finance.yahoo.com/q/h?s=CIA+Headlines

## STOCK ANALYSIS ##
Analyst Research (nasdaq.com): http://www.nasdaq.com/symbol/CIA/analyst-research
Guru Analysis (nasdaq.com): http://www.nasdaq.com/symbol/CIA/guru-analysis
Stock Report (nasdaq.com): http://www.nasdaq.com/symbol/CIA/stock-report
Competitors (nasdaq.com): http://www.nasdaq.com/symbol/CIA/competitors
Stock Consultant (nasdaq.com): http://www.nasdaq.com/symbol/CIA/stock-consultant
Stock Comparison (nasdaq.com): http://www.nasdaq.com/symbol/CIA/stock-comparison
Investopedia (investopedia.com): http://www.investopedia.com/markets/stocks/CIA/?wa=0
Research Reports (otcmarkets.com): http://www.otcmarkets.com/stock/CIA/research
Basic Tech. Analysis (yahoo.com): http://finance.yahoo.com/q/ta?s=CIA+Basic+Tech.+Analysis
Barchart (barchart.com): http://www.barchart.com/quotes/stocks/CIA
DTCC (dtcc.com): http://search2.dtcc.com/?q=Citizens%2C+Inc.&x=10&y=8&sp_p=all&sp_f=ISO-8859-1
Spoke company information (spoke.com): http://www.spoke.com/search?utf8=%E2%9C%93&q=Citizens%2C+Inc.
Corporation WIKI (corporationwiki.com): http://www.corporationwiki.com/search/results?term=Citizens%2C+Inc.&x=0&y=0
WHOIS (domaintools.com): http://whois.domaintools.com/http://www.citizensinc.com
Alexa (alexa.com): http://www.alexa.com/siteinfo/http://www.citizensinc.com#
Corporate website internet archive (archive.org): http://web.archive.org/web/*/http://www.citizensinc.com

## FUNDAMENTALS ##
Call Transcripts (nasdaq.com): http://www.nasdaq.com/symbol/CIA/call-transcripts
Annual Report (companyspotlight.com): http://www.companyspotlight.com/library/companies/keyword/CIA
Income Statement (nasdaq.com): http://www.nasdaq.com/symbol/CIA/financials?query=income-statement
Revenue/EPS (nasdaq.com): http://www.nasdaq.com/symbol/CIA/revenue-eps
SEC Filings (nasdaq.com): http://www.nasdaq.com/symbol/CIA/sec-filings
Edgar filings (sec.gov): http://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000024090&owner=exclude&count=40
Latest filings (otcmarkets.com): http://www.otcmarkets.com/stock/CIA/filings
Latest financials (otcmarkets.com): http://www.otcmarkets.com/stock/CIA/financials
Short Interest (nasdaq.com): http://www.nasdaq.com/symbol/CIA/short-interest
Dividend History (nasdaq.com): http://www.nasdaq.com/symbol/CIA/dividend-history
RegSho (regsho.com): http://www.regsho.com/tools/symbol_stats.php?sym=CIA&search=search
OTC Short Report (otcshortreport.com): http://otcshortreport.com/index.php?index=CIA
Short Sales (otcmarkets.com): http://www.otcmarkets.com/stock/CIA/short-sales
Key Statistics (yahoo.com): http://finance.yahoo.com/q/ks?s=CIA+Key+Statistics
Insider Roster (yahoo.com): http://finance.yahoo.com/q/ir?s=CIA+Insider+Roster
Income Statement (yahoo.com): http://finance.yahoo.com/q/is?s=CIA
Balance Sheet (yahoo.com): http://finance.yahoo.com/q/bs?s=CIA
Cash Flow (yahoo.com): http://finance.yahoo.com/q/cf?s=CIA+Cash+Flow&annual

## HOLDINGS ##
Major holdings (cnbc.com): http://data.cnbc.com/quotes/CIA/tab/8.1
Insider transactions (yahoo.com): http://finance.yahoo.com/q/it?s=CIA+Insider+Transactions
Insider transactions (secform4.com): http://www.secform4.com/insider-trading/CIA.htm
Insider transactions (insidercrow.com): http://www.insidercow.com/history/company.jsp?company=CIA
Ownership Summary (nasdaq.com): http://www.nasdaq.com/symbol/CIA/ownership-summary
Institutional Holdings (nasdaq.com): http://www.nasdaq.com/symbol/CIA/institutional-holdings
Insiders (SEC Form 4) (nasdaq.com): http://www.nasdaq.com/symbol/CIA/insider-trades
Insider Disclosure (otcmarkets.com): http://www.otcmarkets.com/stock/CIA/insider-transactions

## SOCIAL MEDIA AND OTHER VARIOUS SOURCES ##
PST (pennystocktweets.com): http://www.pennystocktweets.com/stocks/profile/CIA
Market Watch (marketwatch.com): http://www.marketwatch.com/investing/stock/CIA
Bloomberg (bloomberg.com): http://www.bloomberg.com/quote/CIA:US
Morningstar (morningstar.com): http://quotes.morningstar.com/stock/s?t=CIA
Bussinessweek (businessweek.com): http://investing.businessweek.com/research/stocks/snapshot/snapshot_article.asp?ticker=CIA



$CIA DD Notes ~ http://www.ddnotesmaker.com/CIA

Interesting Article

http://seekingalpha.com/article/2557775-is-citizens-life-insurance-a-house-of-cards-strong-sell

Move it up now....

~ Monday! $CIA ~ Earnings posted, pending or coming soon! In Charts and Links Below!

~ $CIA ~ Earnings expected on Monday *
Want more like this? Search Keyword: MACMONEY >>> http://tinyurl.com/MACMONEY <<<
One or more of many earnings sites has alerted this security has or will be posting earnings on or around the day of this message.








http://stockcharts.com/h-sc/ui?s=CIA&p=D&b=3&g=0&id=p88783918276&a=237480049




http://stockcharts.com/h-sc/ui?s=CIA&p=W&b=3&g=0&id=p54550695994



~ Google Finance: http://www.google.com/finance?q=CIA
~ Google Fin Options: hhttp://www.google.com/finance/option_chain?q=CIA#
~ Yahoo! Finance ~ Stats: http://finance.yahoo.com/q/ks?s=CIA+Key+Statistics
~ Yahoo! Finance ~ Profile: http://finance.yahoo.com/q/pr?s=CIA
Finviz: http://finviz.com/quote.ashx?t=CIA
~ BusyStock: http://busystock.com/i.php?s=CIA&v=2


<<<<<< http://www.earningswhispers.com/stocks.asp?symbol=CIA >>>>>>



http://investorshub.advfn.com/boards/post_prvt.aspx?user=251916

*If the earnings date is in error please ignore error. I do my best.