INVESTOR RELATIONS

Citizens, Inc. is a publicly traded financial services company. Citizens and its subsidiaries utilize a three-pronged strategy for growth based upon worldwide sales of U.S. Dollar-denominated, whole life, cash value insurance policies, life insurance product sales in the U.S. and the acquisition of other U.S.-based life insurance companies.

STOCK MARKET LISTING: The Company’s Class A common stock is traded on the New York Stock Exchange (NYSE) under the ticker symbol CIA. Quotes of daily prices may be obtained via the internet or in major newspapers under NYSE listings.

STOCK REGISTRAR AND TRANSFER AGENT: Computershare Trust Company, NA is the stock registrar and transfer agent for Citizens, Inc. Class A common stock.

Computershare Trust Company, NA
Postal correspondence should be mailed to:
Computershare
P.O. Box 43006
Providence RI 02940-3006
Overnight correspondence should be sent to:
Computershare
150 Royall St., Suite 101
Canton, MA 02021

Toll-Free Number: 877-785-9659
Outside the United States: 781-575-4621 (International Dial Direct)
Website: www.computershare.com/us
Direct link to Citizens information: www-us.computershare.com/citizens

As a Citizens, Inc. shareholder, you are invited to take advantage of shareholder services through Computershare Trust Company. It maintains the records for our registered shareholders and can assist you with a variety shareholder related services including:

• Purchase/Sale of shares
• Change of name or address
• Consolidation of accounts
• Transfer of stock to another person
• Lost stock certificate replacement
• Additional administrative services

SHAREHOLDER’S REPORT

Citizens, Inc. shareholders receive a proxy notice via mail or email in April each year before the annual meeting in June, based upon the preferred communication method selected by the shareholder at Computershare. If you are a Citizens, Inc. shareholder or a shareholder of one of the companies listed below, which has become part of the Citizens, Inc. holding company system, and you have not received communications within the last twelve (12) months, please contact Computershare at their toll-free number 1-877-785-9659.

ADDRESS CHANGE

When your address changes, please notify the stock transfer agent, Computershare. An invalid address may cause your shareholder mail and reports to be returned to the transfer agent. If your mail is continuously returned for lack of a current address, the law requires that your shares must be escheated to the Treasury of the state of your last known address.