---
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"
generated_at: "2026-10-12T15:13:17.345087+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.4
calibrated_materiality_score: 0.4
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.4
- calibrated_materiality_score: 0.4
- confidence: high
- sec_items: 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000024090-26-000045
- JSON: https://secwatch.observer/filing/0000024090-26-000045.json
- Plain text: https://secwatch.observer/filing/0000024090-26-000045.txt

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