{"schema_version":"secwatch.filing_event.v1","accession":"0000024090-26-000045","form_type":"8-K","ticker":"CIA","cik":"0000024090","company_name":"CITIZENS, INC.","filed_at":"2026-10-09T18:02:49+00:00","discovered_at":"2026-10-09T18:04:00.272427+00:00","generated_at":"2026-10-12T15:13:17.345087+00:00","sec_items":["9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"Citizens (CIA) signs Bestow SaaS deal for digital final expense platform; build due Dec 15, 2026","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000024090-26-000045","json":"https://secwatch.observer/filing/0000024090-26-000045.json","markdown":"https://secwatch.observer/filing/0000024090-26-000045.md","text":"https://secwatch.observer/filing/0000024090-26-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/24090/000002409026000045/0000024090-26-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/24090/000002409026000045/cia-20261005.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-12T15:13:17.345087+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"}