CITIZENS, INC. — Director's Dealing 2008

Feb 13, 2008

SEC Form 5 — Annual Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2007-12-31

Reporting Person: Kopetic Thomas Frank (VP, CFO & Treasurer)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2007-01-03	Citizens, Inc. Class A Common Stock	L	44.3924	$6.76	Acquired	160.3568	Direct
2007-02-09	Citizens, Inc. Class A Common Stock	L	42.0593	$7.10	Acquired	202.4161	Direct
2007-03-09	Citizens, Inc. Class A Common Stock	L	40.9317	$7.30	Acquired	243.3478	Direct
2007-04-09	Citizens, Inc. Class A Common Stock	L	39.7681	$7.51	Acquired	283.1159	Direct
2007-05-25	Citizens, Inc. Class A Common Stock	L	37.7835	$7.91	Acquired	320.8994	Direct
2007-06-08	Citizens, Inc. Class A Common Stock	L	41.8045	$7.15	Acquired	362.7039	Direct
2007-07-06	Citizens, Inc. Class A Common Stock	L	42.5696	$7.02	Acquired	405.2735	Direct
2007-08-03	Citizens, Inc. Class A Common Stock	A	50.1686	$5.95	Acquired	455.4421	Direct
2007-09-07	Citizens, Inc. Class A Common Stock	L	39.2452	$7.61	Acquired	494.6873	Direct
2007-09-28	Citizens, Inc. Class A Common Stock	L	36.4145	$8.21	Acquired	531.1018	Direct
2007-11-02	Citizens, Inc. Class A Common Stock	L	37.1719	$8.04	Acquired	568.2737	Direct
2007-11-30	Citizens, Inc. Class A Common Stock	L	46.1691	$6.47	Acquired	614.4428	Direct
2007-12-31	Citizens, Inc. Class A Common Stock	L	50.4849	$5.91	Acquired	664.9277	Direct

Footnotes

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