Citizens, Inc. 是一間在科羅拉多州成立的保險控股公司，自1969年起服務美國本土客戶對個人壽險的需求，並從1975年起進入國際市場。
Citizens, Inc. 是一間在科羅拉多州成立的保險控股公司，自1969年起服務美國本土客戶對個人壽險的需求，並從1975年起進入國際市場。Citizens Inc. 是自2002年起在紐約證券交易所公開上市的公司。(簡稱NYSE: 股票代碼 CIA)。通過我們的保險附屬公司，我們奉行在利基市場提供傳統保險產品的戰略，在這些市場中我們相信能夠獲得競爭優勢。我們的核心保險業務包括:
Citizens通過其保險附屬公司運營: CICA Life Insurance Company of America (簡稱 “CICA”)，CICA Life Ltd. (簡稱 “CICA Ltd”)，Citizens National Life Insurance Company ，由壽險業務部分和 Security Plan保險公司組成 (簡稱 “SPLIC”)，家庭服務保險業務由Security Plan Fire 保險公司和Magnolia Guaranty 壽險公司組成。
我們的願景聲明是和Citizens有關的所有人的責任 – 我們的董事會，我們的員工和我們的獨立顧問和代理。Citizens的願景聲明可以由我們的七個核心價值觀來定義。
Gerald W. Shields, FLMI, serves as the President and CEO. Mr. Shields is a Director of IT Practice at Robert E. Nolan Company, Inc. and has served in that role since 2011. Mr. Shields recently served as Chief Information Officer at FirstCare Health Plans from July 2015 to October 2018. Previously, Mr. Shields served as Senior Vice President and Chief Information Officer at American Family Life Assurance Company of New York from 2002 to 2011.
Mr. Shields has more than 30 years’ experience in health insurance management, as well as professional certifications from Harvard University’s Kennedy School of Government, Massachusetts Institute of Technology’s Chief Network Officers Program, and Aubrey Daniels International. He has been named twice in CIO Magazine’s Top 100 CIOs of the Year and has also been the recipient of ComputerWorld’s Top 100 CIO Award. Mr. Shields’ significant technology and insurance experience are instrumental to the Board’s oversight as the Company advances its strategic technology objectives. Mr. Shields recently completed the Cyber Security Oversight Certificate from Carnegie Mellon Institute.
Mr. Shields served on the board of trustees for Shorter University from 2008 to 2015. He is the Vice-Chairman of the Board and has served in that role since February 2020.
Mr. Shields is a seasoned life insurance executive who brings life insurance, information technology, enterprise risk management and cybersecurity experience to our Board.
Jeffery P. Conklin joined the Company in May 2017 and serves as Vice President, Chief Financial Officer, Chief Investment Officer and Treasurer. Mr. Conklin has also served as Vice President, Chief Accounting Officer and Treasurer of the Company since September 2017, and Chief Investment Officer since March 2019. Prior to assuming his current positions, Mr. Conklin served as Interim Chief Financial Officer from March 2019 to September 20, 2019, and Vice President, Chief Accounting Officer from May 2017 to September 2017. Mr. Conklin came to the Company with over 20 years of life insurance and financial reporting experience, having worked at American International Group, Inc. from 2004 to 2017 in various capacities, including Vice President of Financial Reporting and Vice President of Special Projects. In addition to financial reporting, Mr. Conklin brings the Company expertise in budgeting, financial analysis and implementation of strategic accounting initiatives.
Ms. Kinlaw has been appointed to serve as Chief Legal Officer of Citizens, Inc. She has 20+ years of experience as senior level and general counsel for public and private companies in primarily the financial products and technology industries. She has led cross functional teams with respect to securities, finance, M&A, governance, compliance and general corporate matters. She has been senior level in-house counsel with 2 publicly traded companies – FIC Insurance Group (Austin) and THQ (Los Angeles), as well as General Counsel at Fallbrook Technologies (Austin).
Prior to joining Citizens as Chief Legal Officer, Ms. Kinlaw built her own law practice acting as dedicated outsourced general counsel or specialized counsel for companies without the resources to hire full-time counsel, or for companies that need to supplement their in-house legal staff. Clients included both insurance carriers and independent marketing organizations that distribute insurance products.
Ms. Kinlaw holds a bachelor’s degree in Economics / International Studies from the University of California Los Angeles (UCLA) and a Juris Doctor from the University of Texas, Austin.
Robert M. Mauldin III has served as Vice President, Chief Marketing Officer of the Company since joining the Company in July 2017. Mr. Mauldin came to the Company with over 25 years of experience in marketing, product management and innovation and implementing numerous industry-first initiatives that continue to shape the financial services industry today. Prior to joining the Company, Mr. Mauldin served as Senior Vice President, Operations at USI Inc. from September 2015 to July 2017 and Senior Vice President, Marketing at Bank of America from 1992 to September 2015. Mr. Mauldin brings expertise in project management, change management, process improvement, strategic planning and innovation to the Company.
Harvey J. L. Waite has served as Vice President, Chief Actuary of the Company since April 2020. Prior to assuming his current position, Mr. Waite served as Interim Chief Actuary from August 2018 to April 2020 and Pricing Actuary Consultant from November 2017 to July 2018. Mr. Waite came to the Company with over 20 years of actuarial, product and financial experience, including life insurance company experience. Previously, Mr. Waite worked at Bank of America from 2006 to 2017 in various capacities, including Senior Vice President, Actuarial Risk Executive, and Senior Vice President, Credit Risk Executive.
Prior to that, Mr. Waite served as Vice President, Actuary at Fleet Credit Card Services (which was acquired by Bank of America in 2004) from 2000 to 2006. Mr. Waite also served in various capacities at Academy Life Insurance Company (an AEGON company) from 1996 to 2000, including Vice President and Chief Actuary and Assistant Vice President and Actuary. Mr. Waite is owner of Waite Actuarial Consulting LLC, a company specializing in providing actuarial consulting services to life and health insurance companies and has owned such company since 2017.
Cynthia H. Davis Ms. Davis is a seasoned executive in the life insurance industry with over 30 years of underwriting in both the carrier and brokerage side. She is currently the Vice President and Senior Underwriting Consultant at NFP/Partners Financial providing underwriting expertise specializing in complex high net worth cases, foreign nationals and offshore insurance. Previously, Ms. Davis was the Chief Underwriter at Financial Industries Corporation (FIC) and Great American. Ms. Davis is also involved with the Texas Wide Underwriting planning board.
Ms. Davis’ brings to the Board deep knowledge of the insurance industry, which she developed during her long and successful career in the life insurance industry. With significant global experience with both reinsurers and high net worth foreign insureds, she adds valuable and unique expertise to our Board.
J.D. (Chip) Davis Jr. Mr. Davis is a seasoned and proven life insurance executive, having had a 43-year insurance career with National Farm Life Insurance Company (“NFLIC”). Mr. Davis began his career with NFLIC as a Mortgage Loan officer in 1977 and become Senior Vice President and Chief Investment Officer in 1981. He served as President and Chief Executive Officer of NFLIC from 2004 to January 2016. Mr. Davis has served on the board of NFLIC since 2004 and currently serves as chairman.
Mr. Davis’ career as a life insurance executive and service as Chief Investment Officer of a life insurance company brings tremendous experience to our Board and Investment Committee. Specifically, he has experience dealing with state insurance regulators and auditors. His service as as Chief Investment Officer of NFLIC strengthens the investment Committee’s oversight of the Company’s assets under management.
Gerald W. Shields Mr. Shields, our Chief Executive Officer and President, is a seasoned life insurance executive who brings life insurance and information technology experience to our Board. He has more than 30 years’ experience in health insurance management, as well as professional certifications from Harvard University’s Kennedy School of Government, Massachusetts Institute of Technology’s Chief Network Officers Program, and Aubrey Daniels International. He has been named twice in CIO Magazine’s Top 100 CIOs of the Year and has also been the recipient of ComputerWorld’s Top 100 CIO Award.
Prior to Citizens, Mr. Shields served as Chief Information Officer at FirstCare Health Plans from July 2015 to October 2018, and as Senior Vice President and Chief Information Officer at American Family Life Assurance Company of New York from 2002 to 2011.
Mr. Shields’ significant technology and insurance experience are instrumental to the Board’s oversight as the Company advances its strategic technology objectives. Mr. Shields recently completed the Cyber Security Oversight Certificate from Carnegie Mellon Institute.
J. Keith Morgan Mr. Morgan has decades of experience as a senior legal executive, most recently (2015 – 2018) as Chief Legal Officer & Senior Executive VP at TIAA-CREF, a $1 trillion retirement, insurance and asset management company. Mr. Morgan specializes in securities law, financial regulation, international transactions and mergers and acquisitions. Prior to TIAA-CREF, he spent nearly 20 years at GE, serving as general counsel and senior vice president of GE
Commercial Finance Ltd. and GE Capital Corporation. Before joining GE, Mr. Morgan served as the managing partner of Gibson, Dunn & Crutcher’s London, Paris, and Saudi Arabia offices. Earlier in his career, he served in the U.S. Navy Judge Advocate General’s Corps.
Mr. Morgan’s experience as the Chief Legal Officer of major insurance and asset management companies has provided him with a substantive understanding of the risks, including investment risks, related to a highly regulated company such as Citizens.
Dr. Robert B. Sloan Dr. Sloan has served as President and Chief Executive Officer at Houston Baptist University since 2006. Previously, Dr. Sloan served as Chancellor at Baylor University from 2005 to 2006 and President and Chief Executive Officer at Baylor University from 1995 to 2005. While at Baylor, Dr. Sloan was selected by the Big 12 Athletic Conference board
of directors to be Chairman of their Board of Directors, and also convened and was asked to serve as chair of the “Group of Six”, a gathering of presidents of the big six athletic conferences. Dr. Sloan was also involved in an ex officio capacity on investment committees both at the foundation level and at the trustee level for the universities that he served.
Dr. Sloan has served as Chief Executive Officer of two major academic institutions and has valuable insight into organizational structure, executive decision-making, financial operations and leadership. His executive management skills and extensive experience with organization strategy and governance provide invaluable insight and guidance to our Board’s oversight function.
Mary Taylor Ms. Taylor is a Certified Public Accountant and recognized tax and auditing expert with over 30 years of experience in the public and private sector. Since February 2020, she has served as the Vice President, Operations and Finance at Northeast Ohio Medical University. During 2019, she served as Executive Vice President and Chief Financial Officer of Welty Building Company and from August 2019 through March 2020 also served as the Chair of the Finance and
Operations Advisory Committee.
She has served in the following elected positions:
• 2011 to 2019 – Lieutenant Governor of Ohio
◦ Served as the Director of the Ohio Department of Insurance from 2011 to 2017
• 2007 to 2011 – Auditor of State of Ohio
• 2003 to 2006 – State Representative in Ohio
◦ Served on the Finance, Ways and Means, and Education Committees
Ms. Taylor has extensive experience in transforming operations, implementing automation in insurance and delivering results in complex tax cases with the IRS and the Department of Labor. Her unique mix of experience gives her a valuable perspective and ability to oversee management’s efforts to grow and develop Citizens’ business and its interactions with regulators as well as the ability to enhance shareholder value by leveraging her financial and risk management expertise and deep understanding of the insurance business.
Governor Francis A. “Frank” Keating II Governor Keating is the former Governor of the State of Oklahoma, a position in which he served from 1995 to 2003. More recently, he was as a partner at the law firm of Holland & Knight from February 2016 to December 2018. He served as President and Chief Executive Officer of the American Bankers Association from 2011 to 2016, and President and Chief Executive Officer of the American Council of Life Insurers, the trade association for the life insurance and retirement security industry, from 2003 to 2011.
Mr. Keating has held significant leadership positions in both the public and private sectors, which make him a valuable addition to our Board. In addition to serving as the Governor of Oklahoma, his impressive career included serving as assistant secretary of the Treasury and associate attorney general under President Ronald Reagan. He was later general counsel and acting deputy secretary for the Department of Housing and Urban Development (“HUD”) under President George H.W. Bush. During his tenure at the Treasury Department and HUD, he worked on
significant issues affecting insurance, banking, and the financial services industries. In addition to his current public board, Gov. Keating formerly served on the board of Stewart Title Company, a wholly-owned subsidiary of Stewart Information Services Corp., a publicly held title insurance and real estate services company, from 2006 to January 2017, where he chaired the Nominations and Corporate Governance Committee.
Dr. Terry S. Maness Dr. Maness has served as Dean at Baylor University’s Hankamer School of Business since 1997 and will be namedDean Emeritus upon his retirement effective August 1, 2022. Previously, Dr. Maness served as Acting Dean at Baylor University from 1996 to 1997, Associate Dean for Undergraduate Programs at Baylor University from 1978 to 1981
and Chairman of the Department of Finance, Insurance and Real Estate at Baylor University from 1985 to 1996. Dr. Maness is an owner of Business Value Consultants and has owned such company since 1989.
Dr. Maness’ background as Dean of one of America’s leading business schools brings a strong academic presence to our board. He has operated effectively at the highest levels in the academic and business community. He is the author of five books about financial analysis and financial management, and also a contributing author to various publications, such as Journal of Finance, Journal of Banking and Finance, Journal of Financial Education, Journal of Portfolio Management, Journal of Financial and Quantitative Analysis, Journal of Futures Markets, Journal of Cash Management and Corporate Controller.
自 2017 年以來，Citizens Inc. 一直致力於為位於奧斯汀的德克薩斯州中部食品銀行提供志願服務和捐款。他們是一個了不起的組織，其使命是滋養飢餓的人們並領導社區與飢餓作鬥爭。德克薩斯中部食品銀行是德克薩斯中部最大的飢餓救濟慈善機構。
Financial Stability Ratings® (FSR) 是保險公司財務穩定性的領先指標。 FSR 基於一系列量化比率和考慮因素，這些因素共同構成了 Demotech 的金融穩定性分析模型。 FSR 被多家政府資助的企業所接受，包括房利美、房地美和美國住房和城市發展部 (HUD) 的各種計劃、抵押貸款機構，以及一些繖形和代理人錯誤和遺漏保險市場.最新的 Financial Stability Rating® 必須通過訪問 www.demotech.com. 進行驗證