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CITIZENS, INC.

For the period ended Dec 31, 2025. Filed Mar 12, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 12, 2026

CIA$4.38+0.7%Stored close · as of Nov 10, 2026

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Contents

Schedule IV – Consolidated Schedule of Reinsurance

CITIZENS, INC.FINANCIAL SCHEDULES

The Company's written premium is not materially different from earned premium, therefore only earned premiums are detailed in Schedule IV.

Schedule IVConsolidated Statement of Reinsurance
(In thousands)DirectAmountCeded toOtherCompaniesAssumedFrom OtherCompaniesNet Amount% ofAmountAssumed toNet
Year ended December 31, 2025:
Life insurance in force$5,431,721910,2263,1934,524,6880.1%
Premiums:
Life insurance$187,00312,44351174,611
Accident and health insurance1,7633—1,760
Total premiums$188,76612,44651176,371—%
Year ended December 31, 2024:
Life insurance in force$5,227,506821,2153,4274,409,7180.1%
Premiums:
Life insurance$177,0535,55967171,561
Accident and health insurance1,7883—1,785
Property insurance(5)13—(18)
Total premiums$178,8365,57567173,328—%

December 31, 2025 | 10-K 106

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The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.