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:
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.
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.
The Board has established a process to facilitate communication by shareholders and other interested parties with directors. Communications can be addressed to directors in care of the Secretary of the Company at Citizens, Inc., P. O. Box 149151, Austin, TX 78714-9151.
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Citizens, Inc. Announces Plans for Upcoming Investor Conferences
Emerging Growth Virtual Conference on April 17, 2025 Citizens management plans to present at the Emerging Growth Virtual Conference on April 17 at 2:55 ET. The live, interactive webcast and slide presentation will be accessible on the Company’s Investor Relations website under the Events tab.
Singular Research Virtual Conference on May 22, 2025 Singular Research will host a fireside chat webcast with Citizens management on May 22 at 2:00 ET, moderated by a Singular Research analyst. The live, interactive fireside chat webcast will be accessible on the Company’s Investor Relations website under the Events tab.
Citizens, Inc. Reports Full Year and Fourth Quarter 2024 Financial Results
Record setting results and highlight accomplishments for Citizens, including:
Citizens, Inc. Vice President of Information Technology Paula Guerrero Appointed Chief Information Officer
Citizens, Inc. today announced Paula Guerrero, who serves as Citizens’ Vice President of Information Technology, is promoted to Chief Information Officer, effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer.
Citizens, Inc. Vice President of Operations Bryon Matthew Lewis Appointed Chief Operating Officer
Citizens, Inc. today announced that Bryon Matthew Lewis, who serves as Citizens’ global Vice President of Operations, has been promoted to Chief Operating Officer, a newly created global position effective immediately reporting to Jon Stenberg, President and Chief Executive Officer.
Citizens, Inc. Announces Filing of Form S-3 to Replace Expiring Shelf Registration Statement
Citizens, Inc. announced that it has filed a shelf registration statement (the “Shelf Registration”) on Form S-3 with the United States Securities and Exchange Commission (the “SEC”), replacing a previous shelf registration statement on Form S-3 that will expire on November 30, 2024.
AM Best Affirms Credit Ratings of CICA Life Insurance Company of America
OLDWICK – AUGUST 07, 2024 AM Best has affirmed the Financial Strength Rating of B++ (Good) and the Long-Term Issuer Credit Rating of “bbb+” (Good) of CICA Life Insurance Company of America (CICA). The outlook of these Credit Ratings (ratings) is stable.
Citizens, Inc. Reports Third Quarter 2024 Financial Results
Citizens, Inc. Reports Second Quarter 2024 Financial Results
Second Quarter 2024 Financial Highlights
Citizens, Inc. President Jon Stenberg Appointed Chief Executive Officer
Citizens announces the planned transition of the Chief Executive Officer role. Jon Stenberg, who currently serves as Citizens’ President, is appointed to the additional role of Chief Executive Officer effective July 1, 2024.
Citizens, Inc. Corrects Information Error in Some Investor Platforms
Citizens announced a correction to information incorrectly attributing Citizens, Inc. on some investor platforms.
The Federal Reserve’s 2024 stress test on banks was published on June 26, 2024, and included Citizens Financial Group, Inc. (NYSE: CFG). Some investor platforms incorrectly tagged Citizens, Inc. rather than Citizens Financial Group, Inc. (NYSE: CFG) in their information reported.
Citizens, Inc. Reports First Quarter 2024 Financial Results
Record setting quarter for Citizens, including:
CITIZENS, INC. | 2023 ANNUAL REPORT
Citizens, Inc.’s Results of Operations and Financial Position for the year ending December 31, 2023, have been presented in the Annual Report here.
Citizens, Inc. Appoints Jon Stenberg as President
Citizens announced today, March 18, 2024, the appointment of Jon Stenberg as President of Citizens.
Mr. Stenberg brings over 30 years of success in building high-performing teams and scaling revenue at multiple life insurance enterprises.
In this new role, Mr. Stenberg will lead the operations and technology functions and lead our Security Plan life insurance business.
Citizens, Inc. Reports Fourth Quarter and Full Year 2023 Financial Results
Recent Business Highlights • Insurance issued increased 10% in Q4 2023 and increased 10% in the full year 2023 compared to the same periods in 2022, primarily from new products and an increase in producing agent count. Over $4.9 billion of direct insurance in force at December 31, 2023. • Increased global network of producing agents by 85% in 2023. • Expanded existing white-label partnership to deliver unique products through established fast-growing distribution channels.
• Emerging Growth Virtual Conference on January 10, 2024 • Singular Research “Emerging Growth & Value Alpha Leaders” Virtual Conference on February 22, 2024
Singular Research “Best of the Uncovered” on December 7, 2023 Singular Research will host a fireside chat webcast with Citizens management on December 7, 2023, at 1:45 PM ET, moderated by a Singular Research analyst. The live, interactive fireside chat webcast will be accessible on the Company’s Investor Relations website.
Emerging Growth Virtual Conference on December 7, 2023 Citizens plans to present at the Emerging Growth Virtual Conference on December 7 at 2:55 PM ET. The live, interactive webcast and slide presentation will be accessible on the Company’s Investor Relations website under the Events tab.
Save your calendar for both virtual events!
Citizens, Inc. Reports Third Quarter 2023 Financial Results
Third Quarter 2023 Financial Highlights • Total revenues increased to $59.4 million in Q3 2023, from $56.2 million in the year-ago quarter. • First year life and A&H premiums increased 15% in Q3 2023, the fourth consecutive quarter of year-over-year growth in first year premiums, driven by new products and focused marketing campaigns. • Net income was $2.7 million in Q3 2023, from $3.4 million in Q3 2022. Earnings per fully diluted Class A share was $0.05 in Q3 2023, from $0.06 in the year-ago quarter. • Positive net cash provided by operating activities of $3.2 million in Q3 2023. The Company has had positive net cash provided by operating activities annually since 2004. • Cash and cash equivalents of $16.8 million and no debt at September 30, 2023. • Book value per Class A share of $3.08 increased 39% over the year-ago quarter. Book value per Class A share excluding accumulated other comprehensive income (loss) (AOCI) of $5.63 increased 12% over the year-ago quarter.
• Emerging Growth Virtual Conference on September 6, 2023 • Singular Research Autumn Equinox Webinar on September 14, 2023 • LD Micro 16th Annual Main Event Conference in Los Angeles on October 3, 2023
Citizens Rings The Opening Bell® at the New York Stock Exchange on August 18, 2023, at Approximately 9:26 AM Eastern Time
Citizens, Inc. Commemorates AM Best Initiated Financial Strength and Credit Ratings on Citizens’ CICA Life Insurance Company of America at The New York Stock Exchange.
The Opening Bell® ceremony will be broadcast live on August 18, 2023, starting at approximately 9:26 a.m. Eastern Time from the New York Stock Exchange in New York, NY. A live stream of The Opening Bell® ringing will be accessible at https://www.nyse.com/bell and on various financial and other news outlets including the New York Stock Exchange’s social media channels: YouTube, Facebook, Instagram, LinkedIn and Twitter.
Citizens, Inc. Reports Second Quarter 2023 Financial Results
Sidoti will also host a fireside chat webcast with Citizens management on August 16, 2023
Sidoti will also host a fireside chat webcast with Citizens management on August 16, 2023, at 11:30 AM ET, moderated by a Sidoti research analyst. The live, interactive fireside chat webcast will be accessible on the Company’s Investor Relations website. After, the webcast will be archived on the website for future viewing.
AM Best report issues CICA Life Insurance Company (“CICA”) a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of bbb+ (Good)
“We’re proud that AM Best recognizes the strength of CICA’s balance sheet and outlook. Our transformative strategic direction drives durable growth. Newly introduced products continue to see significant demand and have been a major contributing factor in the persistent expansion of our customer base. Overall, we deliver innovative, high-quality products to customers who need them, and we remain committed to further enhancing our distribution capabilities going forward. Looking ahead, we believe continued execution of our strategic plan will translate to sustainable growth and profitability over the long term,” said Company Vice Chairman and CEO, Gerald W. Shields.
Citizens, Inc. Celebrates the Retirement of Dr. Robert B. Sloan, Jr., and Acknowledges his Remarkable Contributions to the Company
Citizens expresses its deepest appreciation to Dr. Robert B. Sloan, Jr. for his extraordinary dedication, visionary guidance, and outstanding contributions over his impressive 16-year tenure as a member of Citizens’ Board of Directors.
Citizens and Allegiant Forge Strategic Partnership to Offer Products to the Fast-Growing Final Expense Agency Market
The partnership between Citizens, Inc. and Allegiant is a major achievement for Citizens as it strives to become the top choice for Final Expense insurance distributors. Allegiant will market Superior Choice Final Expense products through two separate distribution channels including Senior Core Benefits, a captive career-oriented agent model, and through Allegiant Wealth Group, a large independent brokerage channel.
Citizens, Inc. to Participate in Two Upcoming Investor Conferences
Top Highlights:
Citizens Reports First Quarter 2023 Financial Results: Revenue Rose 1% to $55.9 Million
CITIZENS, INC. | 2022 ANNUAL REPORT
Citizens, Inc.’s Results of Operations and Financial Position for the year ending December 31, 2022 have been presented in the Annual Report as well as in the Form 10-K report filed with the U.S. Securities and Exchange Commission.
Citizens Reports Fourth Quarter and Full Year 2022 Financial Results
In 2022, the Company made considerable advancements toward its strategic goals through its focus on delivering the right products to the right customer, in the most efficient way possible. To this end, the Company introduced eight new customer-focused products and product enhancements, implemented sales promotions and campaigns that promote growth, and implemented process improvements and new technologies to get products to customers faster. The combined impact of these initiatives resulted in total life insurance issued and the number of policies issued growth of 64% and 18%, respectively.
Citizens, Inc. Announces Partnership with Alliance Group to serve Spanish and Portuguese Clients
With over 40 million Spanish or Portuguese speakers in the U.S., Citizens’ ability to produce products end-to-end in those languages provides a solid foundation for Alliance to promote their new white-label product. This partnership advances Citizens’ goal to be the industry leader and first choice provider of simple tailor-made products developed in the native languages of its Spanish and Portuguese clients while Alliance provides insurance agencies life insurance with living benefits that are simple for agents to sell and clients to understand.
Citizens, Inc. Announces Expansion of White-label Program – New Product Distribution Partnership with Amerus
This partnership advances Citizens’ goal to be the industry leader and first-choice partner in tailor-made white-label products while allowing Amerus to add another valuable product for their clients. With Citizens’ product expertise, support, and ability to quickly develop new products in multiple languages it lends itself to being a strong partner in the white-label space. Together with Amerus’ established history and commitment to their senior clients, Citizens’ white-label product, Amerus Silver Shield, will serve the life and final expense market.
Citizens, Inc. Announces White-label Product Distribution Partnership with Titan Life
AUSTIN, TX – November 28, 2022 – Citizens, Inc. (“Citizens” or the “Company”) (NYSE: CIA), a diversified financial services company providing life, final expense, and limited liability property insurance, today announced that it has entered into a white-label partnership with The Titan Agency (“Titan”), an independent insurance agency specializing in end-of-life products and services, to market and sell Citizens’ newly developed life and final expense insurance products with the Titan brand.
Third Quarter 2022 Financial Results
AUSTIN, TX – November 4, 2022 – Citizens, Inc. (NYSE: CIA), today reported financial results for the third quarter ended September 30, 2022.
2021 Annual Report
Here’s a look at the numbers side of our business. Growing our business towards the future.
Citizens Launches New Website
The new corporate website is here!
Business to Business Claims Portal Launches
Security Plan Announces Launch of B2B Claims Portal
EVENTS & PRESENTATIONS
Citizens Investor Presentation
April 2025
Webcast at Emerging Growth Virtual Conference on April 17, 2025 at 1:55 CT
Webcast at Emerging Growth Virtual Conference on March 27, 2025 at 12:45 CT
AIFA Conference 2023
March 5-7
Naples, Florida
Webcast at Singular Research Virtual Conference on December 12, 2024 at 12:45 CT
Webcast at Emerging Growth Virtual Conference on October 31, 2024 at 1:25 CT
Webcast at LD Micro Conference on October 29, 2024 at 2:30 CT
Webcast at Emerging Growth Virtual Conference on September 26, 2024 at 1:55 CT
Webcast at Singular Research Virtual Conference on September 11, 2024 at 10:30 CT
Webcast at Emerging Growth Virtual Conference on August 22, 2024 at 9:50 CT
Webcast at Sidoti Virtual Conference on August 15, 2024 at 10:30 CT
Webcast at Emerging Growth Virtual Conference on June 13, 2024 at 1:35 CT
Webcast at Singular Research Virtual Conference on May 22, 2024 at 12:00 CT
Webcast at Emerging Growth Virtual Conference on April 4, 2024 at 10:25 CT
Webcast at Emerging Growth Virtual Conference on March 6, 2024 at 1:55 CT
Webcast at Singular Research Virtual Conference on February 22, 2024 at 12:00 CT
Webcast at Emerging Growth Virtual Conference on January 10, 2024 at 3:10 CT
Webcast at Emerging Growth Virtual Conference on October 5, 2023 at 2:10 CT
Webcast on Track 4 at LD Micro Conference on October 3, 2023 at 10:30 CT
Webcast at Singular Research Virtual Conference on September 14, 2023 at 12:00 CT
Webcast at Emerging Growth Virtual Conference on September 6, 2023 at 9:15a.m. CT
Webcast at Sidoti Micro-Cap Virtual Conference on
August 16, 2023 at 10:30 a.m. CT
13th Annual LD Micro Invitational
June 7, 2023 at 4:30 p.m. CT
June 1st Investor Summit
June 1, 2023 at 10:00 a.m. CT
REPORTS & DOCUMENTS
Latest Annual Report
2024 Proxy
EARNINGS SUMMARY
SEC FILINGS
All SEC Filings
Section 16 Filings of Insiders’ Citizens, Inc. Ownership
CORPORATE GOVERNANCE
Anti-Money
Laundering Policy
Audit Committee
Charter
Citizens Inc. Stock
Ownership
Guidelines
Code of Business
Conduct and Ethics
and Insider Trading
Policy
Compensation Committee
Corporate
Governance
Director Resignation
Investment
Committee Charter
Nominating and
FOR MORE INFORMATION
Contact our investor relations team if you have any questions or concerns.
Darrow Associates Investor Relations
