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:
50年經驗
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”)，由壽險業務部分和 Security Plan保險公司組成 (簡稱 “SPLIC”)， 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。
我們致力於通過為世界各地的個人和家庭提供財務安全和安心，無私地為他人服務。
正直
我們將秉持強有力的道德準則，通過公平、誠實和合乎道德的關係建立信任。
毅力
我們將不顧障礙、困難或延誤，堅定不移地追求我們的使命。
卓越
我們將刻意追求高標準，並致力於達到更高的標準。
自助服務
我們促進他人的幫助，不是為了個人利益，而是為了提高他人。
領導
我們確定並掌握我們的影響領域；在此過程中指導、發展和指導他人。
問責制
我們對我們的行為負責，我們接受這些行為的結果。
承諾
我們以奉獻精神追求這一使命、願景和核心價值觀，為我們的員工、投保人、股東、代理人和員工帶來成功。
總裁兼執行長
副總裁、首席財務官、首席投資官和司庫
副總裁兼首席法務官秘書
副總裁、總精算師
BRYON MATTHEW LEWIS
運營副總裁
斯滕伯格先生於2024年3月被任命為公司總裁，並根據其聘用協議，將於2024年7月1日成為公司執行長官。斯滕伯格先生在壽險行業已有30多年經驗，最近擔任Blackbird International的合夥人，為多家壽險公司提供諮詢服務。他曾於2017年至2022年擔任Symetra 壽險公司個人壽險部門的執行副總裁；2011年至2017年擔任Ameriprise Financial / Riversource Life的總經理兼執行副總裁；2008年至2010年擔任New York Life的零售保險負責人兼高級副總裁；2006年至2008年擔任瑞銀保險機構的保險部門主管兼執行董事 / 總裁；1997年至2006年在Lincoln Financial Group擔任多個職位；以及1990年至1997年在Aetna的壽險部門擔任多個職位。此外，斯滕伯格先生於2020年至2022年擔任ACLI壽險委員會主席，並於2012年至2020年擔任美國學院董事會成員。他擁有ChFC和FLMI資格（以前為FINRA系列6/63/7/26/24）。斯滕伯格先生是美國陸軍退伍軍人
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.
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.
劉易斯先生於2024年3月被任命為公司執行運營長官。他自2021年7月以來擔任公司的運營顧問, 並在2021年11月以來一直擔任運營副總裁。劉易斯先生是一位運營和技術資深領導者，在加入Citizens之前，他曾於2019年至2021年在Baylor Scott and White Health擔任HP基礎設施和規劃的IS主任，並於2017年7月至2019年擔任IT運營副總裁，在此之前，他於2013年12月至2017年在E2Open擔任項目工程總監。
我們正在與董事會合作實施以客戶為中心的持久價值增長戰略。在此過程中，我們專注於我們的核心優勢，因為我們戰略性地調整了我們的人壽和家庭服務保險部門。我們預計將發生重大轉變，重點是人員、流程和技術。在我們當前的運營環境中，變革被視為積極的一面，現在正在我們的文化中紮根，為我們所有的利益相關者創造價值創造和價值獲取的最佳氛圍。
DR. TERRY S. MANESS
Christopher (Chris) W. Claus Mr. Claus had a 20-year career as an executive at USAA of San Antonio, Texas serving in various roles, including Executive Vice President of USAA’s Enterprise Advice Group from 2013 to 2014, President of USAA’s Financial Advice and Solutions Group from 2007 to 2013, and President of USAA’s Investment Management Company from 2001 to 2006.
Mr. Claus is an experienced executive with insurance and asset management expertise critical to the success of our Board. In his role as Chairman of our Investment Committee, Mr. Claus has strengthened the Board’s oversight of the Company’s assets under management. Further, having served as President of USAA’s Investment Management Company, Mr. Claus strengthens the Board’s oversight function of our executive team’s strategic initiatives.
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.
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.
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。
作為一個組織，我們確保每年我們都會將我們的服務日奉獻給食品銀行，並每年進行一次捐贈。我們關閉辦公室，整天在食品銀行做志願者和工作。這一天對我們作為一個組織來說非常重要，因為作為大奧斯汀社區的成員，我們了解通過支持德克薩斯州中部食品銀行可以產生的影響，該組織專注於為我們社區中需要食物的人提供食物.每年，我們的團隊成員都期待著我們的服務日，我們計劃繼續這一傳統。
在這個經濟壓力時期，我們承諾向食品銀行提供額外的捐款，以表明我們對社區和他們所做的驚人工作的持續支持。
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