{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-25-000017","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2025-03-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.905233+00:00","generated_at":"2026-05-24T21:42:04.671728+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens FY2024 revenue $245M (+2%), net income $14.9M; insurance issued jumps 54% to $1.1B","bullets":["FY2024 total revenues $245.0M vs $240.7M in 2023; adjusted revenues $247.6M vs $239.9M.","Net income $14.9M ($0.29/diluted share) vs $24.4M ($0.48) in 2023; adjusted income before tax $21.3M vs $26.6M.","Insurance issued $1.1B in 2024 (+54%); record total direct insurance in force $5.2B.","Direct first year life & A&H premiums up 70% in FY2024 and 84% in Q4; ninth consecutive quarterly growth.","Book value per Class A share $4.21 (+21%); ex-AOCI $6.14 (+5%). No debt; cash from ops $31.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-25-000017","json":"https://secwatch.observer/filing/0000024090-25-000017.json","markdown":"https://secwatch.observer/filing/0000024090-25-000017.md","text":"https://secwatch.observer/filing/0000024090-25-000017.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409025000017/0000024090-25-000017-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409025000017/cia-20250313.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T21:42:04.671728+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"}