---
schema_version: "secwatch.filing_event.v1"
accession: "0000024090-24-000173"
form_type: "8-K"
ticker: "CIA"
cik: "0000024090"
company_name: "CITIZENS, INC."
filed_at: "2024-11-07T23:59:59+00:00"
generated_at: "2026-05-30T03:59:52.593660+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Citizens, Inc. Q3 net income $0.05/share; insurance issued up 75% to record $307.6M

## Summary
- Record insurance issued $307.6M in Q3 2024, up 75% YoY; total direct force $5.2B.
- Total revenues $61.7M (+4% YoY); direct first year premiums up 70%; agents up 86% since Dec 2023.
- Net income $2.8M ($0.05/diluted share) flat YoY; adjusted income before tax $2.2M vs $5.7M.
- Cash from operations $9.7M; cash $32.4M, no debt; book value per share $4.16 (+35% YoY).

## SEC filing metadata
- accession: 0000024090-24-000173
- form_type: 8-K
- ticker: CIA
- cik: 0000024090
- company_name: CITIZENS, INC.
- filed_at: 2024-11-07T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/24090/000002409024000173/0000024090-24-000173-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/24090/000002409024000173/cia-20241107.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-24-000173
- JSON: https://secwatch.observer/filing/0000024090-24-000173.json
- Plain text: https://secwatch.observer/filing/0000024090-24-000173.txt

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