Company:  CITIZENS INC (CIA)
Form Type:  10-Q
Filing Date:  11/6/2009 
CIK:  0000024090 
Address:  400 EAST ANDERSON LANE 
City, State, Zip:  AUSTIN, Texas 78752 
Telephone:  (512) 837-7100 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$6.04   		Change: 
0.05 (0.84%)  
Trade Time: 
Feb 09   		Market Cap: 
$294.07M
Description of Business
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  FORM 10-Q
    PART I. FINANCIAL INFORMATION
      Item 1. FINANCIAL STATEMENTS
        BALANCE SHEET
        BALANCE SHEET
        INCOME STATEMENT
        INCOME STATEMENT
        CASH FLOW
        CASH FLOW
        Notes to Consolidated Financial Statements
          INCOME STATEMENT
          INCOME STATEMENT
          INCOME STATEMENT
          INCOME STATEMENT
      Item 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
      FINANCIAL STATEMENTS
        INCOME STATEMENT
      Item 3. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      Item 4. CONTROLS AND PROCEDURES
    PART II. OTHER INFORMATION
      Item 1. Legal Proceedings
      Item 1A. Risk Factors
      Item 3. Defaults Upon Senior Securities
      Item 4. Submission of Matters to a Vote of Security Holders
      Item 5. Other Information
      Item 6. Exhibits
    SIGNATURES
  EXHIBIT 10.8
  EXHIBIT 10.9
  EXHIBIT 31.1
    Certification of Chief Executive Officer Under
  EXHIBIT 31.2
    Certification of Chief Financial Officer Under
  EXHIBIT 32.1
  EXHIBIT 32.2
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