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. 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.
Citizens, Inc. (CIA) reported that its Chief Actuary, Harvey J. Waite, acquired additional shares of the company’s Class A common stock through the Citizens, Inc. Stock Investment Plan. The shares were purchased via regular monthly payroll deductions on several dates, including 614.8104 shares at $4.04 on 08/01/2025 and further small purchases in September and October.
After these transactions, Waite beneficially owned a total of 83,134.1972 shares of Citizens, Inc. Class A common stock, held directly. These transactions reflect routine, incremental insider purchases under an established stock investment plan rather than a large, one‑time trade.
Citizens, Inc. (NYSE: CIA) filed an 8-K announcing it issued a press release covering financial results for the three and nine months ended September 30, 2025. The release is furnished as Exhibit 99.1 under Item 2.02.
The Board also elected Michael Harwood as an independent director to fill a vacancy, effective November 6, 2025. Harwood is a seasoned life insurance actuarial executive, with prior roles as Senior VP and Chief Actuary at AIG Life & Retirement and MetLife, including leadership on the Corebridge Financial spin-off and major governance and integration initiatives. The company states there are no arrangements pursuant to which he was named and no related-party interests requiring disclosure under Item 404(a) of Regulation S-K.
Citizens, Inc. (CIA) reported Q3 2025 results. Total revenues were $62,808 thousand, up slightly year over year, with net income of $2,417 thousand and basic and diluted EPS of $0.04. Net investment income was $19,117 thousand, while investment related losses were $(1,255) thousand.
Insurance benefits and expenses totaled $58,329 thousand. Claims and surrenders were $44,276 thousand, partly offset by a $(6,760) thousand decrease in future policy benefit reserves. For the nine months, revenues were $183,546 thousand and net income was $7,253 thousand, with EPS of $0.14.
At September 30, 2025, total assets were $1,742,365 thousand and stockholders’ equity was $225,604 thousand. Fixed maturity securities at fair value were $1,270,045 thousand, with gross unrealized losses of $150,619 thousand; the portfolio was 99.0% investment grade. Accumulated other comprehensive income (loss) was $(89,416) thousand.
CITIZENS, INC. (CIA) reporting person Bryon Matthew Lewis, Chief Operations Officer, reported stock unit vesting and a small sale on August 15, 2025. The filing shows 2,625 restricted stock units (RSUs) deemed acquired on that date (each RSU converts to one Class A share) and a separate disposition of 640 Class A shares sold at $5.10, leaving the reporting person with 14,679.8062 shares after the sale. The derivative table details existing RSU awards from grants dated August 15, 2023; March 28, 2024; and March 31, 2025, with vesting schedules in three equal annual installments. The form is signed and dated August 19, 2025.
Paula L. Guerrero, Chief Information Officer at Citizens, Inc. (CIA), reported routine purchases, a sale, and multiple restricted stock unit (RSU) holdings. On 08/01/2025 she purchased 245.9242 shares through the company stock investment plan at $4.04 per share. On 08/15/2025 she was credited with 2,708 shares (code M) and sold 660 shares at $5.10, leaving 11,452.7712 Class A shares reported as beneficially owned after those transactions. The filing also discloses RSU awards that vest in scheduled installments: 2,708, 6,069, 5,769 and 6,593 RSUs, each representing a contingent right to one share. The RSU grants reference prior grant dates and standard multi-year vesting schedules as described in the explanations.
Citizens, Inc. (CIA) – Form 4 insider filing
Chief Actuary Harvey J. Waite reported four open-market purchases of Class A common stock through the company’s Stock Investment Plan. The transactions occurred on 03/31/2025 (544.9828 shares at $4.56), 05/02/2025 (594.7455 shares at $4.17), 05/30/2025 (658.7451 shares at $3.77) and 06/27/2025 (676.1309 shares at $3.67). In total, Waite acquired 2,474.6043 shares for an aggregate cost of roughly $9,500 based on the disclosed prices. Following these purchases, his direct beneficial ownership stands at 81,161.298 shares. No derivative securities were involved and no sales were reported.
The filing reflects routine, payroll-deduction plan activity rather than a discretionary bulk purchase. While it indicates continued insider accumulation, the share count represents a small addition relative to Waite’s existing position and Citizens’ public float.
FAQ
What is the current stock price of Citizens (CIA)?
What is the market cap of Citizens (CIA)?
