[Form 3] CITIZENS, INC. Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

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.

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

HARWOOD MICHAEL PHILIP

(Last) (First) (Middle)

11815 ALTERRA PARKWAY, SUITE 1500

(Street)

AUSTIN TX 78758

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
11/06/2025

3. Issuer Name and Ticker or Trading Symbol
CITIZENS, INC. [ CIA ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Citizens, Inc. Class A Common Stock	0	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

Exhibit List: Exhibit 24 - Power of Attorney

	/s/Sheryl Kinlaw, Attorney-in-Fact	11/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does the latest Form 3 filing for Citizens, Inc. (CIA) disclose?

The Form 3 filing for Citizens, Inc. (CIA) discloses that a reporting person who is a director of the company beneficially owns 0 shares of Citizens, Inc. Class A common stock and holds no listed derivative securities as of 11/06/2025.

What is the relationship of the reporting person to Citizens, Inc. (CIA)?

The reporting person in this Form 3 is a director of Citizens, Inc. (CIA), as indicated in the relationship section of the filing.

How many Citizens, Inc. Class A shares does the director report owning?

The director reports beneficial ownership of 0 shares of Citizens, Inc. Class A common stock, shown as directly owned.

Does the Citizens, Inc. Form 3 show any derivative securities owned by the director?

No derivative securities are listed in Table II of the Form 3 for this reporting person, indicating no reported options, warrants, or other convertible instruments.

What is the event date for the Citizens, Inc. (CIA) Form 3 filing?

The Form 3 specifies 11/06/2025 as the Date of Event Requiring Statement, which is the reference date for the ownership information reported.

Is the Citizens, Inc. Form 3 filed for one insider or multiple insiders?

The Form 3 is marked as Form filed by One Reporting Person, meaning it covers only a single insider.

What additional document is referenced in the Citizens, Inc. Form 3?

The filing references an Exhibit 24 - Power of Attorney, authorizing an attorney-in-fact to sign the Form 3 on behalf of the reporting person.