Citizens, Inc.CIA
What Citizens, Inc. does.
Incorporated in Colorado and based in Austin, Texas, Citizens, Inc. ("Citizens" or the "Company") is an insurance holding company. Since 1969 it has addressed the life insurance needs of people in the United States, and since 1975, it has extended life insurance offerings to clients worldwide. Through our international insurance subsidiary, we provide insurance benefits to residents in over 80 different countries, and through our domestic insurance subsidiaries, we are licensed to issue insurance products in 43 U.S. states. We pursue a strategy of offering insurance products in niche markets where we believe we are able to achieve competitive advantages. We had approximately $1.8 billion of assets and over $5.4 billion of direct insurance in force at December 31, 2025.
We sell U.S. dollar-denominated life insurance, endowment and other financial products to non-U.S. residents, located principally in Latin America and the Pacific Rim.
The majority of first year premiums in our Domestic Insurance segment are generated from final expense whole life products sold through CICA Life Insurance Company of America ("CLOA").
Revenue and profit, by fiscal year.
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | $238.9M | $250.5M | $232.5M | $240.7M | $245.0M | $255.6M |
| Net income | -$11.0M | $72.7M | $26.0M | $24.4M | $14.9M | $14.6M |
| Free cash flow | $48.6M | $39.4M | $56.8M | $21.6M | $31.3M | $17.5M |
More on CIA.
- Citizens, Inc. summary
- Citizens, Inc. financial statements
- Citizens, Inc. key metrics
- Citizens, Inc. health scores and style box
- Citizens, Inc. earnings
- Citizens, Inc. dividends
- Citizens, Inc. valuation
- Citizens, Inc. ownership and insiders
- Citizens, Inc. peers
Figures from Citizens, Inc.'s filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.