What small CIA share acquisitions did Michael Philip Harwood report under Rule 16a-6?

He reported small acquisitions coded “L” under Rule 16a-6: 167.5991 shares at $5.94 on July 2, 2026; 209.4096 shares at $4.75 on July 29, 2026; and 255.5181 shares at $3.88 on August 28, 2026.

Were Michael Philip Harwood’s CIA share purchases made directly or indirectly?

All reported transactions involve direct ownership of Citizens, Inc. Class A Common Stock, as each transaction is coded with ownership type “D” (direct) and no footnotes indicate that another entity holds voting or investment power.

Citizens director buys 10,000 shares at $3.80

Q: What insider transactions did CIA director Michael Philip Harwood report?

He reported acquiring 10,000 shares of Citizens, Inc. Class A Common Stock on August 31, 2026 at $3.80 per share, plus several smaller plan-based acquisitions in July and August 2026 through the Citizens, Inc. Stock Investment Plan.

Q: How many CIA shares did Michael Philip Harwood buy on August 31, 2026?

On August 31, 2026, Michael Philip Harwood purchased 10,000 shares of Citizens, Inc. Class A Common Stock at a price of $3.80 per share in a non-derivative, open-market or private transaction.

Q: Were any of Michael Philip Harwood’s CIA transactions under a Rule 10b5-1 plan?

The filing indicates the Rule 10b5-1 checkbox is not affirmed (aff_10b5_one is false), and the footnotes do not state that these transactions were executed under a Rule 10b5-1 trading plan.

Filing Impact

(Neutral)

Filing Sentiment

(Positive)

Form Type

Rhea-AI Filing Summary

For CITIZENS, INC. (CIA), director Michael Philip Harwood reported net purchases of Class A Common Stock. On August 31, 2026, he purchased 10,000 shares at $3.80 per share in an open-market or private transaction. He also made smaller acquisitions on July 2, July 29, and August 28, 2026 through the Citizens, Inc. Stock Investment Plan via regular monthly payroll deductions.

Insider Trade Summary

Net Buyer: 10,000 shares

Net Buy 4 txns

Insider HARWOOD MICHAEL PHILIP

Role Director

Bought 10,000 shs ($38K)

Type	Security	Shares	Price	Value
Purchase	Citizens, Inc. Class A Common Stock	10,000	$3.80	$38K
Small Acquisition	Citizens, Inc. Class A Common Stock ^F1	255.5181	$3.88	$991.41
Small Acquisition	Citizens, Inc. Class A Common Stock ^F1	209.4096	$4.75	$994.70
Small Acquisition	Citizens, Inc. Class A Common Stock ^F1	167.5991	$5.94	$995.54

Holdings After Transaction: Citizens, Inc. Class A Common Stock — 11,095.783 shares (Direct)

Footnotes (1)

F1. These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.

Key Figures

Shares purchased (P code): 10,000 shares Purchase price per share: $3.80 per share Small acquisition on August 28, 2026: 255.5181 shares at $3.88 per share +3 more

6 metrics

Shares purchased (P code) 10,000 shares Citizens, Inc. Class A Common Stock purchased on August 31, 2026

Purchase price per share $3.80 per share 10,000-share open-market or private purchase on August 31, 2026

Small acquisition on August 28, 2026 255.5181 shares at $3.88 per share Acquired through Citizens, Inc. Stock Investment Plan via payroll deduction

Small acquisition on July 29, 2026 209.4096 shares at $4.75 per share Acquired through Citizens, Inc. Stock Investment Plan via payroll deduction

Small acquisition on July 2, 2026 167.5991 shares at $5.94 per share Acquired through Citizens, Inc. Stock Investment Plan via payroll deduction

Net buy/sell shares 10,000 shares Net buy direction across all reported transactions

Key Terms

Rule 16a-6, Stock Investment Plan, Citizens, Inc. Class A Common Stock

3 terms

Rule 16a-6 regulatory

"transaction_code_description: "Small acquisition under Rule 16a-6""

Stock Investment Plan financial

"purchased through the Citizens, Inc. Stock Investment Plan as part"

Citizens, Inc. Class A Common Stock financial

"security_title: "Citizens, Inc. Class A Common Stock""

FAQ

What insider transactions did CIA director Michael Philip Harwood report?

He reported acquiring 10,000 shares of Citizens, Inc. Class A Common Stock on August 31, 2026 at $3.80 per share, plus several smaller plan-based acquisitions in July and August 2026 through the Citizens, Inc. Stock Investment Plan.

How many CIA shares did Michael Philip Harwood buy on August 31, 2026?

On August 31, 2026, Michael Philip Harwood purchased 10,000 shares of Citizens, Inc. Class A Common Stock at a price of $3.80 per share in a non-derivative, open-market or private transaction.

Were any of Michael Philip Harwood’s CIA transactions under a Rule 10b5-1 plan?

The filing indicates the Rule 10b5-1 checkbox is not affirmed (aff_10b5_one is false), and the footnotes do not state that these transactions were executed under a Rule 10b5-1 trading plan.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/01/2026 - 02:06 PM Accepted by SEC EDGAR 09/01/2026 - 02:05 PM

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

HARWOOD MICHAEL PHILIP

(Last)

(First)

(Middle)

11815 ALTERRA PARKWAY, SUITE 1500

(Street)

AUSTIN

TEXAS

78758

(City)

(State)

(Zip)

UNITED STATES

(Country)

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/02/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Citizens, Inc. Class A Common Stock	07/02/2026		L⁽¹⁾		167.5991	A	$5.94	630.8553	D
Citizens, Inc. Class A Common Stock	07/29/2026		L⁽¹⁾		209.4096	A	$4.75	840.2649	D
Citizens, Inc. Class A Common Stock	08/28/2026		L⁽¹⁾		255.5181	A	$3.88	1,095.783	D
Citizens, Inc. Class A Common Stock	08/31/2026		P		10,000	A	$3.8	11,095.783	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.

Remarks:

	/s/Michael Philip Harwood	09/01/2026
	** 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 4 (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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR