Citizens, Inc. (“Citizens”) is a Colorado domiciled insurance holding company serving the life insurance needs of individuals in the United States since 1969 and internationally since 1975.  Citizens operates through its insurance subsidiaries: CICA Life Insurance Company of America (“CICA LIFE”), Citizens National Life Insurance Company (“CNLIC”), Security Plan Life Insurance Company (“SPLIC”) and Security Plan Fire Insurance Company (“SPFIC”). 

Citizens pursues a strategy of offering traditional insurance products in niche markets where we believe we are able to achieve competitive advantages.  We had approximately $1.4 billion of assets at December 31, 2015 and approximately $4.5 billion of insurance in force.  Our core insurance operations include issuing and servicing:

  • U.S. Dollar-denominated ordinary whole life insurance and endowment policies predominantly to high net worth, high income foreign residents, located principally in Latin America and the Pacific Rim, through independent marketing consultants;
  • ordinary whole life insurance policies to middle income households concentrated in the Midwest and southern United States through independent marketing consultants; and
  • final expense and limited liability property policies to middle and lower income households in Louisiana, Mississippi and Arkansas through employee and independent agents in our home service distribution channel.

We have experienced growth through acquisitions in the domestic market and through market expansion in the international market.  We seek to capitalize on the experience of our management team in marketing and operations as we strive to generate bottom line return using knowledge of our niche markets and our well-established distribution channels.  We believe our underwriting processes, policy terms, pricing practices and proprietary administrative systems enable us to be competitive in our current markets, while protecting our shareholders and serving our policyholders.

The home offices of Citizens, CICA LIFE and CNLIC are located in Austin, Texas, at the intersection of Interstate 35 on U.S. Highway 183.  The Company's operations are located in its beautiful, six-story, 80,000-square foot facility.  SPLIC and SPFIC have a magnificent home office in Donaldsonville, Louisiana.