Citizens (CIA) signs Bestow SaaS deal for digital final expense platform; build due Dec 15, 2026

CITIZENS, INC.

Citizens entered a Master Software as a Service Agreement with Bestow Agency LLC on Oct 5, 2026 (effective Oct 1) for a hosted platform serving CICA Life's final expense whole life products.
Build Order requires Bestow to configure and implement the Final Expense platform no later than Dec 15, 2026; the development fee is paid in 36 monthly installments.
Run Order fees: annual subscription, a committed application fee tied to a minimum annual volume (payable even if unmet), and per-application fees above that minimum.
If additional products are not added to the Run Order by March 31, 2027, development and annual subscription fees rise prospectively, with a true-up for amounts already invoiced.
Initial term runs through Dec 31, 2030, with up to two one-year renewals; SLA promises 99.9% monthly platform availability with service credits; Company keeps pricing, underwriting rules and claims.

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