Company:  CITIZENS INC (CIA)
Form Type:  10-K
Filing Date:  3/13/2009 
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: 
04:03 PM EST   		Market Cap: 
$294.07M
Description of Business
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  FORM 10-K
    PART I
      Item 1. Business
      Item 1B. Unresolved Staff Comments
      Item 2. Properties
    PART II
      Item 5. Market for Registrant's Common Equity, Related ...
        BENEFICIAL OWNERS
      Item 6. Selected Financial Data
      Item 7. Management's Discussion and Analysis of Financial ...
      Item 7A. Quantitative and Qualitative Disclosures about ...
      Item 8. Financial Statements and Supplementary Data
      Item 9B. Other Information
    PART III
    PART IV
      Item 15. Exhibits, Financial Statement Schedules
    Report of Independent Registered Public Accounting Firm
    BALANCE SHEET
    BALANCE SHEET
    INCOME STATEMENT
    STOCKHOLDERS EQUITY
    STOCKHOLDERS EQUITY
    CASH FLOW
    Notes to Consolidated Financial Statements
      INCOME STATEMENT
      INCOME STATEMENT
      INCOME STATEMENT
      BALANCE SHEET
      INCOME STATEMENT
      CASH FLOW
    SIGNATURES
  EXHIBIT 21
    SUBSIDIARIES
  EXHIBIT 23
    CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
  EXHIBIT 31.1
  EXHIBIT 31.2
  EXHIBIT 32.1
  EXHIBIT 32.2
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