---
schema_version: "secwatch.filing_event.v1"
accession: "0000024090-22-000039"
form_type: "8-K"
ticker: "CIA"
cik: "0000024090"
company_name: "CITIZENS, INC."
filed_at: "2022-05-05T23:59:59+00:00"
generated_at: "2026-06-26T00:02:50.003982+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Citizens Q1 2022 net loss narrows to $1.3M; renewal premiums up 2% YoY

## Summary
- Net loss $1.3M ($0.03 diluted) vs $3.6M loss ($0.07) in Q1 2021.
- Total premium revenue $39.4M (+1% YoY); renewal premiums $36M (+2%).
- Claims & surrenders down 7% YoY; death claims down 22% ($1.9M).
- Book value $3.91 per share; total assets $1.7B, no debt.
- Home Service Insurance segment premium up 4% YoY; average policy face value up 44%.

## SEC filing metadata
- accession: 0000024090-22-000039
- form_type: 8-K
- ticker: CIA
- cik: 0000024090
- company_name: CITIZENS, INC.
- filed_at: 2022-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/24090/000002409022000039/0000024090-22-000039-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/24090/000002409022000039/cia-20220505.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-22-000039
- JSON: https://secwatch.observer/filing/0000024090-22-000039.json
- Plain text: https://secwatch.observer/filing/0000024090-22-000039.txt

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