Welcome to our dedicated page for Citizens SEC filings (Ticker: CIA), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Citizens, Inc. (NYSE: CIA), a Colorado-based diversified financial services company in the direct life insurance carriers industry. Through these filings, investors can review how Citizens reports on its Life Insurance and Home Service Insurance segments, corporate governance, and key financial metrics.
Citizens’ periodic reports on Forms 10-K and 10-Q detail its U.S. dollar-denominated whole life and endowment policies for non-U.S. residents in Latin America and the Pacific Rim, as well as domestic final expense, living benefits, and critical illness products. These filings also describe the Home Service Insurance segment’s focus on final expense and whole life products in specific U.S. states and the use of independent agents and funeral homes as distribution channels.
Current reports on Form 8-K, such as those referenced in recent disclosures, cover topics including quarterly financial results, the election of directors, shareholder voting outcomes, and other material events. Proxy materials and related filings provide information on matters submitted to shareholders, executive compensation advisory votes, and the ratification of the independent registered public accounting firm.
On Stock Titan, SEC documents for CIA are updated from EDGAR and paired with AI-powered summaries that explain the significance of each filing. Users can quickly understand the main points of lengthy reports, track changes in adjusted total revenues, adjusted income before federal income tax, and adjusted book value per share, and review governance items such as board composition and shareholder meeting results. Filings related to insider activity, when available on Form 4, can help investors monitor transactions by directors and officers.
CITIZENS, INC. Schedule 13G filing: Continental General Insurance Company, Continental Insurance Group, Ltd., Continental General Holdings LLC and Michael Gorzynski report collective beneficial ownership of 2,538,719 shares of Class A Common Stock, representing approximately 5.0% of outstanding shares as of the filing. The filing cites 50,299,741 Shares outstanding as of March 6, 2026 from the issuer's Form 10-K.
Citizens, Inc. President & CEO Jon Stenberg reported compensation-related equity activity involving restricted stock units and common shares. On March 18, 2026, he exercised 45,249 restricted stock units into the same number of Class A common shares at an exercise price of $0.0000 per share.
To cover tax obligations from this vesting, 11,944 Class A shares were disposed of at $4.63 per share through share withholding rather than an open-market sale. After these transactions, Stenberg directly held 242,235 Class A common shares.
He also reported indirect ownership of 130,100 Class A shares held by his spouse. In addition, he retained unexercised restricted stock units covering 40,619 and 39,560 underlying Class A shares, which vest in installments under the Citizens, Inc. Omnibus Incentive Plan.
Citizens, Inc. President and CEO Jon Stenberg reported an open-market purchase of 10,000 shares of Class A common stock at an average price of $4.8075 per share. Following this trade, his direct holdings increased to 208,930 Class A shares.
The filing also updates his indirect ownership to 130,100 shares of Class C common stock held in his spouse’s retirement account. A footnote explains that an additional 887 of these Class C shares were bought at various times during 2024 and 2025 and had not been previously reported due to an administrative error.
CITIZENS, INC. Chief Actuary Seth Alan Hoxworth filed an initial statement of beneficial ownership of Class A common stock. The filing shows direct holdings of 5,351.6618 shares of Citizens, Inc. Class A common stock and a related award of 5,401 restricted stock units.
Each restricted stock unit represents a contingent right to receive one share of Class A common stock. The initial grant was issued on January 6, 2025, with the remaining units scheduled to vest in two equal parts on January 6, 2027 and January 6, 2028.
Citizens, Inc. reports on its global life insurance operations and strategy for long‑term profitable growth. The company had approximately $1.8 billion of assets and $5.4 billion of direct insurance in force as of December 31, 2025.
International business generated 64% of direct premiums, focused on U.S. dollar policies sold mainly in Latin America and the Pacific Rim, while domestic operations produced 36%, led by final‑expense products. Citizens highlights a second consecutive year of total premium growth, strong demand for final expense, issuance of $1.1 billion of new insurance, no debt, use of reinsurance, technology modernization, and extensive risk factors spanning foreign regulation, pricing, liquidity, interest rates, distribution, and cybersecurity.
Citizens, Inc. reported record 2025 revenue and higher book value while adjusted earnings declined. Full-year total revenues reached $255.6 million, up from $245.0 million, with a record fourth-quarter revenue of $72.1 million versus $63.5 million a year earlier. Net investment income grew and the investment portfolio’s average pre-tax yield improved to 4.67%.
Full-year income before federal income tax rose to $17.5 million from $15.0 million, but adjusted income before federal income tax fell to $17.3 million from $21.3 million as prior-year results benefited from items not repeated. Net income was $14.6 million, slightly below $14.9 million in 2024, and adjusted net income declined to $14.2 million from $22.0 million. Book value per Class A share increased to $4.67, with adjusted book value per share rising to $6.43. The company reported $5.43 billion of total direct insurance in force, direct insurance premiums of $188.8 million, positive operating cash flow of $18.0 million, and no debt at year-end 2025, supported by a 22% increase in producing agents and continued growth in first year premiums.
Citizens, Inc. updated the compensation terms for its Chief Executive Officer, Jon Stenberg. The Board approved an amendment to his Executive Employment Agreement to better align pay with peer and market data for retention and motivation purposes.
Effective April 1, 2026, Mr. Stenberg’s base salary increases from $500,000 to $600,000. His target short-term incentive (annual bonus opportunity) beginning in 2026 rises from $400,000 to $480,000, and his target long-term incentive increases from $450,000 to $540,000. All other terms of his employment agreement remain in effect.
Citizens, Inc. reported that its Chief Actuary, Harvey J. Waite, increased his holdings of the company’s Class A common stock through regular purchases under the Citizens, Inc. Stock Investment Plan funded by payroll deductions.
On 11/28/2025, he acquired 418.9046 shares at a price of $5.94 per share, bringing his beneficial ownership to 83,553.1018 shares. On 12/26/2025, he acquired an additional 478.9046 shares at $5.19 per share, increasing his beneficial ownership to 84,032.0064 shares, all held directly.
Citizens, Inc. (CIA) reported a new insider status update through an initial Form 3 filing. As of 11/06/2025, the reporting person is identified as a director of Citizens, Inc. The filing shows that this director beneficially owns 0 shares of Citizens, Inc. Class A common stock in direct ownership and lists no derivative securities such as options or warrants. The form is filed for a single reporting person and includes a power of attorney authorizing an attorney-in-fact to sign on the reporting person’s behalf.
Citizens, Inc. (CIA) reported that one of its directors acquired additional shares of Citizens, Inc. Class A common stock over several transactions between 06/27/2025 and 10/31/2025. The purchases were reported at prices ranging from $3.67 to $5.71 per share. Following these acquisitions, the director beneficially owned 72,446.8917 Class A common shares in direct ownership.