CITIZENS, INC.

Citizens, Inc. is an insurance holding company providing life insurance and financial products across two business segments: International Insurance and Domestic Insurance. The international segment issues U.S. dollar-denominated whole life policies, endowments, and living benefits, serving middle- and upper-middle-class individuals abroad. The domestic segment sells life insurance, concentrating on simplified-issue final expense policies to assist families and lower-income individuals with funeral costs, alongside burial and critical illness coverage.

Headquartered in Austin, Texas, the company operates across both domestic and international markets. In the United States, it is licensed in 43 states, maintains district offices in Louisiana, Mississippi, and Arkansas, and distributes products through more than 5,000 appointed independent agents. Globally, the enterprise maintains active policies in over 80 foreign countries, primarily across Latin America and the Pacific Rim, supported by operational facilities in Puerto Rico and the Philippines.

Summary of the business section of Citizens's latest annual report, written by StockData.

“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.

“As of December 31, 2025, we employed 243 full-time and 3 part-time individuals across the United States and Puerto Rico, none of whom are subject to a collective bargaining agreement. Our employees ”