ABOUT
CITIZENS INC.

Through our insurance subsidiaries, we pursue a strategy of offering traditional insurance products in niche markets where we believe we are able to achieve competitive advantages.

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ABOUT

Citizens, Inc. is an insurance holding company incorporated in Colorado serving the life insurance needs of individuals in the United States since 1969 and internationally since 1975. Citizens, Inc. is a publicly traded company that has been listed on the New York Stock Exchange (NYSE: CIA) since 2002. Through our insurance subsidiaries, we pursue a strategy of offering traditional insurance products in niche markets where we believe we are able to achieve competitive advantages.

Our core insurance operations

International

  • U.S. dollar-denominated ordinary whole life insurance and endowment policies predominantly sold to foreign residents, located principally in Latin America and the Pacific Rim, through independent marketing consultants

Domestic

  • We offer final expense policies and critical illness through independent distributors nationwide and through our Security Plan subsidiary based in Louisiana.
  • In the U.S. we offer an exclusive, customized service with its understanding of the Spanish, Mandarin and Portuguese languages and the Hispanic and Asian culture. The entire customer and agent experience is provided in a choice of Spanish, Mandarin, Portuguese and English languages.
  • We issue credit life and disability policies, mainly in Texas.

SUBSIDIARIES

50 Years of Experience

OUR SUBSIDIARIES

Citizens operates through its insurance subsidiaries: CICA Life Insurance Company of America (“CICA”), CICA Life (“CICA Life”), which constitute the Life Insurance segment and Security Plan Life Insurance Company (“SPLIC”), and Magnolia Guaranty Life Insurance Company, which constitute the Home Service Insurance segment.

CICA Life and CICA Life of America issued ordinary whole life policies, final expense insurance, credit life and disability, and accident and health related policies, throughout the U.S.

Magnolia Guaranty Life provides industrial life policies through independent funeral homes in Mississippi.

VISION STATEMENT

Our vision statement carries with it responsibility for all who are associated with Citizens – our board, our employees and our independent consultants and agents. Citizens’ vision statement can be defined by our seven core values.

VISION

WE ARE committed to selflessly serve others by delivering financial security and peace of mind to individuals and families around the world.

CORE VALUES

INTEGRITY

We will build trust through fair, honest and ethical relationships by adhering to a strong moral compass.

PERSEVERANCE

We will steadfastly pursue our mission despite obstacles, difficulties or delays in achieving success.

EXCELLENCE

We will deliberately pursue high standards and are committed to achieving higher standards.

SELFLESS SERVICE

We promote the assistance of others, not for personal gain, but for the enhancement of others.

LEADERSHIP

We identify and take ownership of our areas of influence; guiding, developing and mentoring others along the way.

ACCOUNTABILITY

We are responsible for our actions and we accept the outcome of those actions.

COMMITMENT

With dedication we pursue this mission, vision, and core values to bring success to our employees, policyholders, shareholders, agents and associates.

EXECUTIVE TEAM

Jon Stenberg

President and CEO

JEFFERY P. CONKLIN

Vice President, Chief Financial Officer, Chief Investment Officer, and Treasurer

SHERYL KINLAW

Vice President, Chief Legal Officer & Secretary

HARVEY J. L. WAITE

Vice President, Chief Actuary

Bryon Matthew Lewis

Vice President, Operations

BOARD OF DIRECTORS

We are implementing our enduring value customer-centric growth strategy, in cooperation with our Board of Directors. In doing so, we are focused on our core strengths, as we strategically realign our Life and Home Service Insurance segments. We anticipate significant transformation with an emphasis on people, processes and technology. In our current operational environment, change is seen as a positive and is now taking root in our culture, creating the best atmosphere for value creation and value capture for all our stakeholders.

CHRISTOPHER W. CLAUS

CYNTHIA H. DAVIS

Jerry D. DAVIS

Gerald W. Shields

J. Keith Morgan

MARY TAYLOR

Dr. Terry S. Maness

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SERVING OUR COMMUNITY

Since 2017 Citizens Inc. has been dedicated to volunteering and donating to the Central Texas Food Bank located here in Austin. They are an amazing organization that’s mission is to nourish hungry people and lead the community in the fight against hunger. The Central Texas Food Bank is the largest hunger-relief charity in Central Texas.

As an organization we make sure that each year we dedicate our service day to the food bank as well as make a yearly donation. We close our offices and spend our day volunteering and working at the food bank. This day is very important to us as an organization because as members of the greater Austin community we understand the impact that we can have by supporting the Central Texas Food Bank, an organization that focuses on getting food to the people in our community who need it. Every year our team members look forward to our service days and we plan to continue the tradition.

During this time of economic stress, we are committing to the food bank with an additional donation to show our continued support for the community and for the amazing work that they do.

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