The CITIZENS, Inc. financial group is composed of living-benefit
life insurance companies, dedicated to improving the quality of
life for individuals around the world.
Its objective is to encourage people to accumulate money and
earn interest in order to assure themselves peace of mind knowing
their financial future is secure.
The building of wealth through systematic accumulation of money
can be accomplished through a living-benefit, interest-earning,
tax-deferred, life insurance policy that develops large cash values
in addition to providing financial benefits for loved ones in
the unlikely event of your death.
Bear in mind, the mathematical odds are much greater you will
live a long time and need a continuing source of income, than
that you will die early along the road of life.
HOW TO BUILD A FORTUNE
LIFE Insurance Company of America, the main life company of The
Citizens, Inc. Financial Group, provides the opportunity to create
individual wealth through its Fortune Builder products. These products
consist of special living-benefit life insurance policies which
build large cash values that earn tax-deferred interest. CICA LIFE's
products are designed to provide financial, medical and educational
funds, or create a lifetime retirement income.
The purpose of life insurance is to prepare one financially for
two of life's possibilities: one is living, and the other is dying.
When you are protecting yourself against the risks of living a
long time by accumulating money in a CICA LIFE, Fortune-Builder
account, CICA LIFE will be automatically protecting
your family against the risk of death, without additional expense
on your part.
The actuarial numbers related to living or dying make known to
us, the odds of living a long, long time are substantially greater
than those of dying soon; and further, that the vast majority
of us will actually live to an old, old age. Therefore, your greatest
financial need is building a personal cash estate or lifetime
income to cover future living expenses.
sad part of life's story is, that Social Security information
informs us that in the years after age 65, only five percent of
the people in the U.S.A. still have an adequate income to live
comfortably for the balance of their lives. You can imagine what
that percentage would be worldwide.
CICA LIFE's Fortune-Builder products place
the emphasis on personally protecting you, with the major concern
being living a long time, accumulating and building wealth to
provide you with a guaranteed lifetime income after age 65.
It is interesting to know: the American Council of Life Insurance
Fact Book states that the U.S.A. life insurance industry holds
approximately FOUR TRILLION DOLLARS for the purpose of protecting
policyowners; further, that in year 2004 the life industry
paid out of $392 billion in cash to living policyowners and beneficiaries.
Further, that $318 billion of that amount was to LIVING POLICYOWNERS,
while only $51 billion was paid to beneficiaries of policyowners
who died. This means, 90% of the total amount paid by the industry
was TO LIVING POLICYOWNERS for living needs.
CICA LIFE recognizes that your most important
life insurance need is living protection, not death benefits;
and, therefore, specializes in providing wealth accumulation products
with compound interest earnings.
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This website, together with information filed and furnished with the Securities and Exchange Commission, contains information that includes or is based upon forward-looking statements within the meaning of the federal securities laws. Forward-looking statements give our expectations or forecasts of future events. All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports and our annual report on form 10-K for the most recently ended reportable year.
Nothing in this website constitutes investment advice, including our filings with the Securities and Exchange Commission. Our investor relations materials and other content are not offers to sell or solicitations of any offer to buy any securities or insurance products. Additionally, Citizens, Inc. does not authorize its agents or employees to give legal or tax advice.