CIA

SEC source: 0000024090-25-000102 · wk-form4_1752067922.xml · nonDerivative · entry 2

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 79,826.422

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

SEC source: 0000024090-25-000113 · wk-form4_1752784964.xml · nonDerivative · entry 1

Guerrero Paula L · CIK 0002051485 · Chief Information Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 7,658.8982

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

SEC source: 0000024090-25-000045 · wk-form4_1744294745.xml · nonDerivative · entry 1

Stenberg Jon · CIK 0002015793 · President & CEO

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 149,016

SEC source: 0000024090-25-000043 · wk-form4_1744209717.xml · nonDerivative · entry 3

Stenberg Jon · CIK 0002015793 · President & CEO

10b5-1 filing: No plan indicated

Ownership: Indirect · Spouse

Disclosed balance after: 124,363

SEC source: 0000024090-25-000043 · wk-form4_1744209717.xml · nonDerivative · entry 2

Stenberg Jon · CIK 0002015793 · President & CEO

10b5-1 filing: No plan indicated

Ownership: Indirect · Spouse

Disclosed balance after: 78,023

SEC source: 0000024090-25-000043 · wk-form4_1744209717.xml · nonDerivative · entry 1

Stenberg Jon · CIK 0002015793 · President & CEO

10b5-1 filing: No plan indicated

Ownership: Indirect · Spouse

Disclosed balance after: 53,023

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · derivative · entry 16

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 9,670

Underlying: Class A Common Stock · 9,670 shares

Expires not disclosed

F6 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F7 · derivative.exercise_date: 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).

F7 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · derivative · entry 15

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 7,764

Underlying: Class A Common Stock · 7,762 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F6 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F5 · derivative.exercise_date: 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).

F5 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · derivative · entry 14

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 5,688 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F6 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F4 · derivative.exercise_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

F4 · derivative.expiration_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 11

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 78,686.6937

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 10

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 80,898.6937

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · price: 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).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 9

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 73,136.6937

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 8

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 74,757.6937

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · price: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · derivative · entry 13

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 17,582

Underlying: Class A Common Stock · 17,582 shares

Expires not disclosed

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F6 · derivative.exercise_date: 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).

F6 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · derivative · entry 12

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 19,336

Underlying: Class A Common Stock · 9,668 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F4 · derivative.exercise_date: 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).

F4 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · derivative · entry 11

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 15,692

Underlying: Citizens, Inc. Class A Common Stock · 7,847 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F3 · derivative.exercise_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

F3 · derivative.expiration_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · nonDerivative · entry 8

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 169,467.1323

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · nonDerivative · entry 7

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 171,822.1323

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · price: 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).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · nonDerivative · entry 6

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 162,154.1323

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · nonDerivative · entry 5

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 164,065.1323

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · price: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000031 · wk-form4_1743541761.xml · derivative · entry 7

Lewis Bryon Matthew · CIK 0002015584 · Chief Operations Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 6,593

Underlying: Class A Common Stock · 6,593 shares

Expires not disclosed

F3 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F5 · derivative.exercise_date: 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).

F5 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000029 · wk-form4_1743541538.xml · derivative · entry 8

Mauldin Robert M III · CIK 0001713228 · VP, Chief Marketing Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 12,649

Underlying: Class A Common Stock · 12,668 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F4 · derivative.exercise_date: 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).

F4 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000029 · wk-form4_1743541538.xml · derivative · entry 7

Mauldin Robert M III · CIK 0001713228 · VP, Chief Marketing Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 6,187 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F3 · derivative.exercise_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

F3 · derivative.expiration_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000029 · wk-form4_1743541538.xml · nonDerivative · entry 4

Mauldin Robert M III · CIK 0001713228 · VP, Chief Marketing Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 145,073

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · price: 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).

SEC source: 0000024090-25-000029 · wk-form4_1743541538.xml · nonDerivative · entry 3

Mauldin Robert M III · CIK 0001713228 · VP, Chief Marketing Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 132,405

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · price: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000027 · wk-form4_1743541150.xml · derivative · entry 5

Guerrero Paula L · CIK 0002051485 · Chief Information Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 6,593

Underlying: Class A Common Stock · 6,593 shares

Expires not disclosed

F2 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F5 · derivative.exercise_date: 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).

F5 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000027 · wk-form4_1743541150.xml · derivative · entry 4

Guerrero Paula L · CIK 0002051485 · Chief Information Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 5,769

Underlying: Class A Common Stock · 5,769 shares

Expires not disclosed

F2 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F4 · derivative.exercise_date: On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 pay-for-performance. 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).

F4 · derivative.expiration_date: On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 pay-for-performance. 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).

SEC source: 0000024090-25-000023 · wk-form4_1743539908.xml · derivative · entry 5

Stenberg Jon · CIK 0002015793 · President & CEO

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 39,560

Underlying: Class A Common Stock · 39,560 shares

Expires not disclosed

F2 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F3 · derivative.exercise_date: 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).

F3 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · derivative · entry 13

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 15,384

Underlying: Class A Common Stock · 15,384 shares

Expires not disclosed

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F6 · derivative.exercise_date: 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).

F6 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · derivative · entry 12

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 8,536

Underlying: Class A Common Stock · 8,535 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F4 · derivative.exercise_date: 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).

F4 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · derivative · entry 11

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 3,171 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F3 · derivative.exercise_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

F3 · derivative.expiration_date: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · nonDerivative · entry 8

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 66,789

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · nonDerivative · entry 7

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 68,868

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F4 · price: 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).

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · nonDerivative · entry 6

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 60,333

SEC source: 0000024090-25-000025 · wk-form4_1743540695.xml · nonDerivative · entry 5

Kinlaw Sheryl L · CIK 0001872883 · Chief Legal Officer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 61,106

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · price: On March 31, 2022, 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, 2023) and the second anniversary of the date of the grant (March 31, 2024) and the third anniversary of the date of the grant (March 31, 2025).

SEC source: 0000024090-25-000041 · wk-form4_1743606960.xml · derivative · entry 3

Shields Gerald · CIK 0001699046 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 0

Underlying: Class A Common Stock · 27,472 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F2 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F1 · derivative.exercise_date: It was previously reported on a Form 4 filed on April 2, 2024 that the reporting person was granted an award of 46,729 RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. Pursuant to the Amendment to the Executive Employment Agreement for Mr. Shields effective January 1, 2024, he was not entitled to these RSUs and instead, was eligible to earn RSUs based on 2024 pay-for-performance. The original 46,729 RSU grant was voided and these 27,472 RSUs are being awarded and immediately vested pursuant to such contract and achievement of 2024 pay-for-performance goals.

F1 · derivative.expiration_date: It was previously reported on a Form 4 filed on April 2, 2024 that the reporting person was granted an award of 46,729 RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. Pursuant to the Amendment to the Executive Employment Agreement for Mr. Shields effective January 1, 2024, he was not entitled to these RSUs and instead, was eligible to earn RSUs based on 2024 pay-for-performance. The original 46,729 RSU grant was voided and these 27,472 RSUs are being awarded and immediately vested pursuant to such contract and achievement of 2024 pay-for-performance goals.

SEC source: 0000024090-25-000041 · wk-form4_1743606960.xml · derivative · entry 2

Shields Gerald · CIK 0001699046 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 27,472

Underlying: Class A Common Stock · 27,472 shares

Expires not disclosed

F2 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F1 · derivative.exercise_date: It was previously reported on a Form 4 filed on April 2, 2024 that the reporting person was granted an award of 46,729 RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. Pursuant to the Amendment to the Executive Employment Agreement for Mr. Shields effective January 1, 2024, he was not entitled to these RSUs and instead, was eligible to earn RSUs based on 2024 pay-for-performance. The original 46,729 RSU grant was voided and these 27,472 RSUs are being awarded and immediately vested pursuant to such contract and achievement of 2024 pay-for-performance goals.

F1 · derivative.expiration_date: It was previously reported on a Form 4 filed on April 2, 2024 that the reporting person was granted an award of 46,729 RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. Pursuant to the Amendment to the Executive Employment Agreement for Mr. Shields effective January 1, 2024, he was not entitled to these RSUs and instead, was eligible to earn RSUs based on 2024 pay-for-performance. The original 46,729 RSU grant was voided and these 27,472 RSUs are being awarded and immediately vested pursuant to such contract and achievement of 2024 pay-for-performance goals.

SEC source: 0000024090-25-000041 · wk-form4_1743606960.xml · nonDerivative · entry 1

Shields Gerald · CIK 0001699046 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 303,942.9562

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F1 · price: It was previously reported on a Form 4 filed on April 2, 2024 that the reporting person was granted an award of 46,729 RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. Pursuant to the Amendment to the Executive Employment Agreement for Mr. Shields effective January 1, 2024, he was not entitled to these RSUs and instead, was eligible to earn RSUs based on 2024 pay-for-performance. The original 46,729 RSU grant was voided and these 27,472 RSUs are being awarded and immediately vested pursuant to such contract and achievement of 2024 pay-for-performance goals.

SEC source: 0000024090-25-000065 · wk-form4_1746736177.xml · nonDerivative · entry 4

Davis Jerry · CIK 0001708795 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 55,289.8735

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

SEC source: 0000024090-25-000094 · wk-form4_1750432875.xml · nonDerivative · entry 4

DAVIS CYNTHIA H · CIK 0001877835 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 31,355.966

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

SEC source: 0000024090-25-000084 · wk-form4_1750427199.xml · nonDerivative · entry 4

TAYLOR MARY · CIK 0001877855 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 33,370.289

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

SEC source: 0000024090-25-000102 · wk-form4_1752067922.xml · nonDerivative · entry 1

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 79,231.6765

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

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · derivative · entry 13

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 13,708

Underlying: Class A Common Stock · 6,853 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F6 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F3 · derivative.exercise_date: 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).

F3 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · derivative · entry 12

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 30,141

Underlying: Class A Common Stock · 15,070 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F6 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F2 · derivative.exercise_date: 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).

F2 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 7

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 69,069.6937

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 6

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 71,021.6937

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F3 · price: 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).

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 5

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 64,168.6937

SEC source: 0000024090-25-000036 · wk-form4_1743542111.xml · nonDerivative · entry 4

Waite Harvey J. · CIK 0001769892 · Chief Actuary

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 68,461.6937

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F2 · price: 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).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · derivative · entry 10

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 24,922

Underlying: Class A Common Stock · 12,461 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F2 · derivative.exercise_date: 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).

F2 · derivative.expiration_date: 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).

SEC source: 0000024090-25-000033 · wk-form4_1743541921.xml · derivative · entry 9

Conklin Jeffery P. · CIK 0001710776 · CFO & Treasurer

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 24,979

Underlying: Class A Common Stock · 12,489 shares

Expires not disclosed

Exercise/conversion can include RSU settlement. Transaction price and option strike are different fields; a missing price is not zero. Derivative and underlying rows can describe the same event.

F5 · derivative.exercise_price: Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.

F1 · derivative.exercise_date: 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).

F1 · derivative.expiration_date: 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).