STOCK TITAN

Citizens (NYSE: CIA) CFO exercises RSUs and receives new 15,904-unit award

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Citizens, Inc. CFO & Treasurer Jeffery P. Conklin reported compensation-related equity movements involving restricted stock units and Class A common stock. On March 31, 2026, he exercised RSUs to acquire 15,528 shares of Class A common stock and received a new grant of 15,904 RSUs under the Omnibus Incentive Plan. The filing shows 3,782 shares of Class A common stock withheld at $5.03 per share to satisfy tax obligations, rather than sold in the open market. Following these transactions, he directly holds about 200,086 Class A shares, along with multiple RSU awards that each convert into one share of Class A common stock upon vesting.

Positive

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Insider Conklin Jeffery P.
Role CFO & Treasurer
Type Security Shares Price Value
Exercise Restricted Stock Units 5,860 $0.00 --
Exercise Restricted Stock Units 9,668 $0.00 --
Grant/Award Restricted Stock Units 15,904 $0.00 --
Exercise Citizens, Inc. Class A Common Stock 5,860 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 1,427 $5.03 $7K
Exercise Citizens, Inc. Class A Common Stock 9,668 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 2,355 $5.03 $12K
holding Restricted Stock Units -- -- --
holding Restricted Stock Units -- -- --
Holdings After Transaction: Restricted Stock Units — 11,722 shares (Direct); Citizens, Inc. Class A Common Stock — 194,200.132 shares (Direct)
Footnotes (1)
  1. On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028). On March 31, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary of the date of the grant (March 31, 2024) and the second anniversary of the date of the grant (March 31, 2025) and the third anniversary of the date of the grant (March 31, 2026). Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock. On March 31, 2026, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2027) an dthe second anniversary of the date of the grant (March 31, 2028) and the third anniversary of the date of the grant (March 31, 2029). On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027). On March 28, 2024, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
RSU shares exercised 15,528 shares Class A common stock from RSU exercises on March 31, 2026
New RSU grant 15,904 units RSUs granted March 31, 2026 under Omnibus Incentive Plan
Shares withheld for taxes 3,782 shares at $5.03 Tax-withholding dispositions coded F in non-derivative section
Post-transaction Class A holdings 200,086.1323 shares Direct Citizens, Inc. Class A common stock after transactions
Remaining RSU position 1 12,490 underlying shares Restricted Stock Units, direct ownership, exercise price $0.0000
Remaining RSU position 2 12,461 underlying shares Restricted Stock Units, direct ownership, exercise price $0.0000
Tax-withholding share count summary 3,782 shares TaxWithholdingShares from transactionSummary
Restricted Stock Units financial
"The RSUs vest in three equal annual installments on the first anniversary"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
Omnibus Incentive Plan financial
"RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive"
An omnibus incentive plan is a single, flexible program a company uses to give employees and executives different types of pay tied to performance — for example stock options, restricted shares, cash bonuses and other awards — all governed by one set of rules. It matters to investors because it determines how many new shares may be created, how leaders are motivated and how much the company will spend on compensation over time; think of it as a master toolbox that affects both costs and the total share supply.
long-term incentive financial
"under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive"
Long-term incentive is a form of pay awarded to executives and key employees that vests over several years and is tied to company performance, often paid in stock or stock-linked awards. It matters to investors because it shapes management’s motivation and risk-taking, can dilute existing shares, and affects future cash flow and company governance—think of it as a multi-year performance bonus that aligns leaders’ rewards with shareholder returns.
pay-for-performance financial
"under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance"
tax-withholding disposition financial
"transaction_action": "tax-withholding disposition""
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
Exercise or conversion of derivative security financial
"transaction_code_description": "Exercise or conversion of derivative security""
SEC Form 4
FORM 4UNITED 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*
Conklin Jeffery P.

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
CFO & Treasurer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
03/31/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Citizens, Inc. Class A Common Stock03/31/2026M5,860A(1)194,200.1323D
Citizens, Inc. Class A Common Stock03/31/2026F1,427D$5.03192,773.1323D
Citizens, Inc. Class A Common Stock03/31/2026M9,668A(2)202,441.1323D
Citizens, Inc. Class A Common Stock03/31/2026F2,355D$5.03200,086.1323D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Units(3)03/31/2026M5,860 (1) (1)Class A Common Stock5,860$011,722D
Restricted Stock Units(3)03/31/2026M9,668 (2) (2)Class A Common Stock9,668$00D
Restricted Stock Units(3)03/31/2026A15,904 (4) (4)Class A Common Stock15,904$015,904D
Restricted Stock Units(3) (5) (5)Class A Common Stock12,49012,490D
Restricted Stock Units(3) (6) (6)Class A Common Stock12,46112,461D
Explanation of Responses:
1. On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028).
2. On March 31, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary of the date of the grant (March 31, 2024) and the second anniversary of the date of the grant (March 31, 2025) and the third anniversary of the date of the grant (March 31, 2026).
3. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
4. On March 31, 2026, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2027) an dthe second anniversary of the date of the grant (March 31, 2028) and the third anniversary of the date of the grant (March 31, 2029).
5. On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
6. On March 28, 2024, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
Remarks:
/s/Jeffery P. Conklin04/02/2026
** Signature of Reporting PersonDate
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)

FAQ

What did CIA CFO Jeffery Conklin report in this Form 4 filing?

Jeffery Conklin reported routine equity compensation activity, including RSU exercises into Class A common stock and a new RSU grant. The transactions involved derivative exercises, tax-withholding share dispositions, and updated direct holdings in Citizens, Inc. Class A common stock and restricted stock units.

How many Citizens (CIA) shares did the CFO acquire through RSU exercises?

He exercised restricted stock units into 15,528 shares of Citizens, Inc. Class A common stock. These shares came from RSUs that convert one-for-one into common stock, reflecting previously granted long-term incentive awards now vesting into actual share ownership.

What new RSU award did CIA grant to the CFO on March 31, 2026?

On March 31, 2026, he received a new award of 15,904 restricted stock units under the Citizens, Inc. Omnibus Incentive Plan. These RSUs vest in three equal annual installments starting March 31, 2027, continuing through March 31, 2029, if vesting conditions are met.

Were any CIA shares sold on the open market in this Form 4?

The filing shows no open-market sales. Instead, 3,782 shares of Class A common stock were disposed of under code F at $5.03 per share, indicating shares were withheld to cover tax obligations related to equity awards, not discretionary market selling.

How many CIA Class A shares does the CFO hold after these transactions?

After the reported transactions, Jeffery Conklin directly holds about 200,086.1323 shares of Citizens, Inc. Class A common stock. This balance reflects the RSU exercises increasing his holdings and the tax-withholding share dispositions slightly reducing the final share count.

What Citizens (CIA) RSU positions remain outstanding for the CFO?

The filing shows two direct RSU positions remaining, tied to 12,490 and 12,461 underlying Class A shares. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock upon future vesting events under the incentive plan.