STRATEGIC PLAN: Growth is being achieved through three major initiatives: (i) development of U.S.A. whole life policy sales to average income Americans in the U.S.A.; (ii) making large whole life U.S.-dollar policies available to the top percentage of the population in foreign countries around the world; and (iii) via acquisition of small to medium-size U.S. life insurance companies whose stockowners are looking for liquid value of their stock via a tax-free exchange of their company's shares for CITIZENS' highly marketable shares.

CITIZENS' shares represent liquid assets because they are actively traded every day on the New York Stock Exchange.

STOCK MARKET LISTING: The Company's Class A common stock is listed on the New York Stock Exchange (NYSE) under the symbol "CIA." Quotes of daily prices may be obtained on the internet, or in major newspapers under NYSE listings, where the stock is listed as CITIZENS or CTZINC, or by clicking here or on the "CITIZENS' Daily Stock Quote" button at the top of this page.

STOCKOWNERS' REPORT: CITIZENS, Inc. shareowners annually receive a proxy statement, proxy card, and an annual report. These items are available to each shareowner in April each year. If you are a CITIZENS, Inc. stockowner, or a stockowner of one of the companies listed below, which has joined forces or merged with CITIZENS, and you have not received communications from CITIZENS, Inc. within the last twelve(12) months, please contact Computershare Trust Company, N.A. to assure the address they have in file for you is your current address. Their toll free telephone number is 1-877-785-9659.

WHERE TO PURCHASE OR SELL CITIZENS' SHARES: The Company's stock may be purchased or sold through securities firms around the world by giving the Company's symbol (CIA) and placing an order for the dollar amount you desire to invest or the number of shares you wish to purchase or sell.

STOCK REGISTRAR AND TRANSFER AGENT: Computershare Trust Company, N.A., located at 250 Royall Street, Canton, MA 02021, telephone number 1-877-785-9659 (U.S.A.), or 781-575-4621 (outside U.S.A.), is the registrar and transfer agent for the CITIZENS stock.

HOW TO TRANSFER STOCK: A transfer of stock may be accomplished by properly filling in the assignment form on the reverse side of your stock certificate and signing the form exactly as your name appears on the face of the certificate. Your signature must be guaranteed by a national bank or securities firm that is a member of a major stock exchange. The certificate with the assignment form, properly completed, should be sent by registered mail to the transfer agent for processing.

LOST STOCK CERTIFICATES: Should your stock certificate become lost or missing, a notice of such should be mailed to the transfer agent so a "stop order" can be placed on the registration of the missing certificate. The notice letter should contain as much information as possible, such as the name on the certificate, number of the certificate, and the date of issue. A lost certificate affidavit will be mailed to you, which must be completed, signed, notarized, and returned to the stock transfer agent before a new certificate can be issued. The transfer agent will require an indemnity bond for the lost certificate. The bond costs approximately two percent of the market value of the lost certificate.

ADDRESS CHANGE: When your address changes, you should immediately notify the stock transfer agent. An invalid address may cause your stockholder mail and reports to be returned to the transfer agent. If your mail is continuously returned for lack of a current address, the law requires that your shares must be escheated to the Treasury of the state of your last known address. Regaining ownership of escheated shares is very difficult. Please notify the Company or transfer agent each time your address changes. It is very important you do this.

THE FOLLOWING COMPANIES HAVE MERGED WITH OR JOINED FORCES WITH CITIZENS: The shareowners of these companies have already or should exchange their original certificates for CITIZENS, Inc. Class A Common Stock. The following companies are affiliated with the Citizens, Inc. financial group of companies:

CICA LIFE Insurance Company of America, Denver, Colorado

Insurance Company of America, Austin, Texas

Non-Commissioned Officers Life Insurance Company, Austin, Texas

Citizens Standard Life Insurance Company, Corpus Christi, Texas

Founders Preferred Life Insurance Company, Waco, Texas
(a) Trans States Security Life Insurance Company, Arlington, Texas

Continental Investors Life Inc., Englewood, Colorado
(a) Continental Investors Life Ins., Co., Englewood, Colorado

Equities International Life Insurance Company, Ft. Worth, Texas
(a) Security Savings Life Insurance Company, Dallas, Texas

Continental Investors Life Insurance Company, Birmingham, Alabama

First Centennial Corporation, Ft. Collins, Colorado
(a) First Centennial Life, Ft. Collins, Colorado
(b) Pacific Empire Life, Boise, Idaho

American Liberty Financial Corporation, Baton Rouge, Louisiana
(a) American Liberty Life Insurance Company, Baton Rouge, Louisiana
(b) First American Investment Corp., Baton Rouge, Louisiana

Insurance Investors & Holding Co., Inc., Peoria, Illinois
(a) Central Investors Life Company of Illinois, Peoria, Illinois

American Investment Network, Inc., Jackson, Mississippi
(a) Great American Investment Network, Inc., Jackson, Mississippi
(b) United Security Life Insurance Company, Jackson, Mississippi

National Security Life and Accident Insurance Company, Arlington, Texas

First Investors Group, Inc., Springfield, Illinois
(a) Excalibur Insurance Corporation, Springfield, Illinois

First Alliance Corporation, Lexington, Kentucky
(a) First Alliance Insurance Company, Lexington, Kentucky

Combined Underwriters, Tyler, Texas
Lifeline Underwriters, Tyler, Texas

Mid-American Alliance Corporation, Jefferson City, Missouri
(a) Mid American Century Life Insurance Company, Jefferson City, Missouri
(b) Mid-American Alliance Insurance Agency, Inc., Jefferson City, Missouri
(c) Mid-American American Associates Agency, Inc., Jefferson City, Missouri
(d) Security Alliance Insurance Company, Little Rock, Arkansas

Security Plan Life Insurance Company, Donaldsonville, Louisiana
(a) Security Plan Fire Insurance Company, Donaldsonville, Louisiana
(b) Security Plan Agency, Inc., Donaldsonville, Louisiana

Ozark National Life Insurance Company, Little Rock, Arkansas

Integrity Capital Corporation, Greenwood, Indiana
(a) Integrity Capital Insurance Company, Greenwood, Indiana

IF YOU CURRENTLY HOLD A STOCK CERTIFICATE IN ANY OF THE COMPANIES THAT HAVE JOINED OR MERGED WITH CITIZENS, INC., YOU SHOULD FORWARD SUCH TO Computershare Trust Company, N.A. AT 250 ROYALL STREET, CANTON, MA, 02021 (RETURN RECEIPT REQUESTED), SO THEY MAY REGISTER YOU AS A CITIZENS, INC. SHAREOWNER. To obtain additional investor information, you may contact the "Investor Relations Department" electronically through "Your Communication" space by clicking on the "Response" button at the top of this page. Click here to e-mail or click here to go to the Home Page for contact information.




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