CITIZENS, INC.

We bear all expenses incurred in connection with the solicitation of proxies. We have engaged Alliance Advisors, LLC to assist with proxy solicitation and related services for a fee of $36,000 plus standard out of pocket expenses. Our directors, officers and employees, along with our external Investor Relations consultant, also may solicit proxies by mail or email, telephone and personal contact. They will not receive any additional compensation for these activities. We will reimburse banking institutions, brokerage firms, custodians, nominees and fiduciaries for their costs in forwarding proxy materials to beneficial owners of our Class A common stock.