[Form 4] Citizens, Inc. Insider Trading Activity

Insider Trade Summary

14,035 shares exercised/converted

Exercise 9 txns

Insider TAYLOR MARY

Role Director

Type	Security	Shares	Price	Value
Exercise	Restricted Stock Units	14,035	$0.00	$0.00
Exercise	Citizens, Inc. Class A Common Stock	14,035	$0.00	$0.00
Grant/Award	Restricted Stock Units	12,012	$0.00	$0.00
Small Acquisition	Citizens, Inc. Class A Common Stock	131.7474	$3.77	$496.69
Small Acquisition	Citizens, Inc. Class A Common Stock	118.9491	$4.17	$496.02
Small Acquisition	Citizens, Inc. Class A Common Stock	108.9966	$4.56	$497.02
Small Acquisition	Citizens, Inc. Class A Common Stock	99.383	$5.00	$496.91
Small Acquisition	Citizens, Inc. Class A Common Stock	99.4362	$5.00	$497.18
Small Acquisition	Citizens, Inc. Class A Common Stock	106.1677	$4.68	$496.86

Holdings After Transaction: Restricted Stock Units — 12,012 contracts (Direct); Citizens, Inc. Class A Common Stock — 47,655.9855 shares (Direct)

Footnotes (4)

1. F1. These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.
2. F2. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
3. F3. On June 17, 2025, the reporting person was granted 12,012 restricted stock units, vesting on June 17, 2026.
4. F4. On June 18, 2024, the reporting person was granted 14,035 restricted stock units, vesting on June 18, 2025.

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Accepted by SEC EDGAR 06/20/2025 - 09:46 AM Learn about SEC filing dates

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^*

TAYLOR MARY

(Last) (First) (Middle)

11815 ALTERRA PARKWAY, SUITE 1500

(Street)

AUSTIN TX 78758

(City) (State) (Zip)

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)

3. Date of Earliest Transaction (Month/Day/Year)
01/03/2025

4. 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 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)
			Code	V	Amount	(A) or (D)	Price
Citizens, Inc. Class A Common Stock	01/03/2025		L(1)		106.1677	A	$4.68	33,062.4732	D
Citizens, Inc. Class A Common Stock	01/31/2025		L(1)		99.4362	A	$5	33,161.9094	D
Citizens, Inc. Class A Common Stock	02/28/2025		L(1)		99.383	A	$5	33,261.2924	D
Citizens, Inc. Class A Common Stock	03/31/2025		L(1)		108.9966	A	$4.56	33,370.289	D
Citizens, Inc. Class A Common Stock	05/02/2025		L(1)		118.9491	A	$4.17	33,489.2381	D
Citizens, Inc. Class A Common Stock	05/30/2025		L(2)		131.7474	A	$3.77	33,620.9855	D
Citizens, Inc. Class A Common Stock	06/18/2025		M		14,035	A	(2)	47,655.9855	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(2)	06/17/2025		A		12,012		(3)	(3)	Class A Common Stock	12,012	$0	12,012	D
Restricted Stock Units	(2)	06/18/2025		M			14,035	(4)	(4)	Class A Common Stock	14,035	$0	0	D

Explanation of Responses:

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

2. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

3. On June 17, 2025, the reporting person was granted 12,012 restricted stock units, vesting on June 17, 2026.

4. On June 18, 2024, the reporting person was granted 14,035 restricted stock units, vesting on June 18, 2025.

Remarks:

	/s/Sheryl Kinlaw, Attorney-in-Fact	06/20/2025
	** 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 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.