Citizens, Inc. is an insurance holding company located in Austin, Texas.  We have been faithfully serving the life insurance needs of individuals and families in the United States since 1969 and internationally since 1975.  Citizens operates through its insurance subsidiaries: CICA Life Insurance Company of America, Citizens National Life Insurance Company, Security Plan Life Insurance Company, Security Plan Fire Insurance Company, and Magnolia Guaranty Life Insurance Company. 

Through its insurance subsidiaries. Citizens pursues a strategy of offering traditional whole life, endowment and final expense insurance products in niche markets where we believe we are able to achieve competitive advantages.  We had approximately $1.6 billion of assets at December 31, 2016 and approximately $5.0 billion of insurance in force.  Our core insurance operations include issuing and servicing:

CICA Life issues and services U.S. Dollar-denominated ordinary whole life insurance and endowment policies predominantly to upper middle class and  high net worth, high income foreign residents, located principally in Latin America and the Pacific Rim, through independent marketing consultants.    

CICA Life and its wholly owned subsidiary, Citizens National, also issue and service ordinary whole life insurance policies to households concentrated in the Midwest and southern United States through independent marketing consultants.  

Security Plan Life and Security Plan Fire  focuses on final expense and limited liability property policies to households in Louisiana, Mississippi and Arkansas through employee and independent agents in our home service distribution channel.

Magnolia Guaranty Life serves the Mississippi market primarily through independent funeral homes selling whole life and pre-need policies designed to fund final expenses, primarily funeral and burial costs.

We are committed to identifying, developing and deploying new and innovative products to our portfolio of offerings.