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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$4.35+5.3%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Signatures

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, hereunto duly authorized.

CITIZENS, INC.
Date:March 12, 2026By:/s/ Jon Stenberg
Jon Stenberg,
Chief Executive Officer and President
(Principal Executive Officer)
By:/s/ Jeffery P. Conklin
Jeffery P. Conklin,
Vice President, Chief Financial Officer, Chief Investment Officer and Treasurer
(Principal Financial and Accounting Officer)

POWER OF ATTORNEY

KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes and appoints Jon Stenberg and Jeffery P. Conklin jointly and severally, his or her attorneys-in-fact, each with the power of substitution, for him or her in any and all capacities, to sign any amendments to this Annual Report on Form 10-K, and to file the same, with exhibits thereto and other documents in connection therewith, with the Securities and Exchange Commission, hereby ratifying and confirming all that each of said attorneys-in-fact, or his substitute or substitutes, may do or cause to be done by virtue hereof.

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated and on March 12, 2026.

Dated: March 12, 2026

/s/ Jerry D. Davis, Jr./s/ Cynthia H. Davis
Jerry D. Davis, Jr., Chairman of the Board and DirectorCynthia H. Davis, Vice Chairman of the Board and Director
/s/ Christopher W. Claus/s/ Peter M. Carlson
Christopher W. Claus, DirectorPeter M. Carlson, Director
/s/ Dr. Terry S. Maness/s/ Mary Taylor
Dr. Terry S. Maness, DirectorMary Taylor, Director
/s/ J. Keith Morgan/s/ Michael Harwood
J. Keith Morgan, DirectorMichael Harwood, Director
/s/ Jon Stenberg
Jon Stenberg, Director

December 31, 2025 | 10-K 109

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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.