{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-22-000088","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2022-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.715176+00:00","generated_at":"2026-06-24T04:32:39.149443+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Q2 net loss $3.5M ($0.07/sh) vs prior-year net income $5.0M; adj operating income $1.4M","bullets":["Net loss of $3.5M vs net income of $5.0M YoY; adjusted operating income improved to $1.4M from $0.7M.","Insurance issued up 51% to $171.1M; new products drove 29% and 16% increases in issued applications in Life and Home Service segments.","Total claims and surrenders benefits declined 8% YoY, with death claims down 10% and surrenders down 14%.","General expenses decreased $1.1M or 10% YoY, driven by lower self-insured health benefit costs.","Book value per share excluding AOCI rose 19% to $3.97; investment portfolio pre-tax yield improved to 4.25%."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-22-000088","json":"https://secwatch.observer/filing/0000024090-22-000088.json","markdown":"https://secwatch.observer/filing/0000024090-22-000088.md","text":"https://secwatch.observer/filing/0000024090-22-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409022000088/0000024090-22-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409022000088/cia-20220804.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T04:32:39.149443+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"}