First, let's consider a little background about CICA LIFE INSURANCE COMPANY OF AMERICA. We are an old, established, Colorado-chartered, legal reserve life insurance company with headquarters in Austin, Texas. We were originally founded in 1953 as CITIZENS Standard Life Insurance Company in Corpus Christi, Texas.

We began offering U.S.-dollar life insurance policies in the U.S.A. in 1955 and overseas in 1961. CICA LIFE is wholly owned by CITIZENS, Inc. (CITIZENS), a NYSE-listed, financial investment company with 20 corporations in related businesses, and $4.1 billion of life insurance in force on more than one million individuals around the world.

The home offices of CITIZENS and CICA LIFE are located in Austin, Texas, at the intersection of Interstate 35 on U.S. Highway 183. The Interstate 35 highway which stretches from Alaska to Latin America is said to be the busiest interstate in the Americas.

The Company's operations are located in its beautiful, six-story, 80,000-square foot facility featured on the Home Page. From this site, CITIZENS provides service to policyholders, stockowners, and marketing associates around the world.

CICA LIFE is a unique insurance company offering living-benefit life policies worldwide. While most life companies emphasize death protection, CICA LIFE specializes in providing wealth accumulation an income benefits for living policyowners. We believe your greatest financial need is building personal wealth and maintaining an income you cannot outlive, even if you live to be 150 years of age. Medical science information tells us, the current generation should plan to live to age 120, and that's 55 years past the conventional retirement age of sixty five.


Starting at age 65, CICA LIFE's living-benefit life insurance policies will begin paying back to their owners the premiums they paid to the Company (live or die), plus several times that amount in the form of a lifetime income. A CICA LIFE's policy puts you on the receiving end of life insurance, and that is where we believe you need to be, because the odds are much greater that you are going to live a long time, after age 65, than die at an early age. It is comforting to know you will have an income as long as you live.

Should the accumulation of wealth, creating a guaranteed monthly lifetime income starting at age 65, or the marketing of CICA LIFE's living-benefit products sound interesting, we would like to hear from you. Please contact us by clicking on the "Response Bar" in this section of the site to let us know of your interest.