CITIZENS, INC. - Director's Dealing 2005

SEC Form 5 — Annual Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2004-12-31

Reporting Person: Teaff Grant Garland (Director)

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2004-07-12	Citizens, Inc. Class A Common Stock	L	55	$7.53	Acquired	55	Direct
2004-08-04	Citizens, Inc. Class A Common Stock	L	141	$5.89	Acquired	196	Direct
2004-09-02	Citizens, Inc. Class A Common Stock	L	139	$5.98	Acquired	335	Direct
2004-10-05	Citizens, Inc. Class A Common Stock	L	134	$6.20	Acquired	469	Direct
2004-11-03	Citizens, Inc. Class A Common Stock	L	152	$6.05	Acquired	621	Direct
2004-12-08	Citizens, Inc. Class A Common Stock	L	139	$6.13	Acquired	760	Direct
2004-12-31	Citizens, Inc. Class A Common Stock	J	44	$6.37	Acquired	804	Direct

F1: These shares were purchased through the Employee Stock Purchase Plan as part of regular monthly payroll deduction.

F2: Stock Dividend paid 12/31/2004