{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-22-000007","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2022-03-14T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.163753+00:00","generated_at":"2026-06-26T23:23:42.503175+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Citizens reports Q4 2021 net income $38.1M vs $1.5M YoY; updates governance guidelines","bullets":["Q4 2021 net income $38.1M ($0.77/diluted share) vs $1.5M in Q4 2020; full year net income $36.8M vs $11.0M loss.","Q4 included release of $43.8M uncertain tax position and $12.6M goodwill impairment; pre-tax net loss $6.8M vs $2.3M prior year.","Renewal premiums up 4% to $44.7M, first year premiums $4.7M (down 11% YoY); claims/surrenders down 17%.","Book value per class A share $6.41, up 20% QoQ and 8% YoY; total assets $1.9B, no debt.","Board adopted director ownership guidelines (2.5x retainer), director resignation policy, mandatory retirement at 75 (grandfathered to 80), 12-year term limit."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-22-000007","json":"https://secwatch.observer/filing/0000024090-22-000007.json","markdown":"https://secwatch.observer/filing/0000024090-22-000007.md","text":"https://secwatch.observer/filing/0000024090-22-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409022000007/0000024090-22-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409022000007/cia-20220308.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T23:23:42.503175+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}