---
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"
generated_at: "2026-05-24T21:42:04.671728+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Citizens FY2024 revenue $245M (+2%), net income $14.9M; insurance issued jumps 54% to $1.1B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-25-000017
- JSON: https://secwatch.observer/filing/0000024090-25-000017.json
- Plain text: https://secwatch.observer/filing/0000024090-25-000017.txt

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