---
schema_version: "secwatch.filing_event.v1"
accession: "0000024090-21-000065"
form_type: "8-K"
ticker: "CIA"
cik: "0000024090"
company_name: "CITIZENS, INC."
filed_at: "2021-11-04T23:59:59+00:00"
generated_at: "2026-06-28T13:21:46.989402+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Citizens Q3 net loss $0.06/sh, revenue up 3%; hurricane Ida and COVID-19 delta hit results

## Summary
- Net loss per share $(0.06) improved $0.10 YoY; revenue $61.6M (+3%) on higher realized gains.
- Total premiums down 2% due to property reinsurance for Hurricane Ida; claims up 83% in Home Service segment.
- Life insurance segment first year premiums up 36%; policies issued up 19% to 1,000+ policies.
- Home Service segment total premiums down 6%; first year premiums up 16% despite Hurricane Ida disruptions.
- General expenses down 46% to $10.5M driven by lower change-in-control costs vs. prior year.

## SEC filing metadata
- accession: 0000024090-21-000065
- form_type: 8-K
- ticker: CIA
- cik: 0000024090
- company_name: CITIZENS, INC.
- filed_at: 2021-11-04T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/24090/000002409021000065/0000024090-21-000065-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/24090/000002409021000065/cia-20211104.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-21-000065
- JSON: https://secwatch.observer/filing/0000024090-21-000065.json
- Plain text: https://secwatch.observer/filing/0000024090-21-000065.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.