CITIZENS, INC. — Director's Dealing 2010

Jan 15, 2010

SEC Form 5 — Annual Statement of Changes in Beneficial Ownership

Issuer: CITIZENS INC (CIA)
CIK: 0000024090
Period of Report: 2009-12-31

Reporting Person: RILEY RICK D (Director, Vice Chairman, President)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2009-03-27	Citizens, Inc. Class A Common Stock	L	272.5878	$7.31	Acquired	482186.1788	Direct
2009-05-01	Citizens, Inc. Class A Common Stock	L	282.2413	$7.06	Acquired	482468.4201	Direct
2009-05-29	Citizens, Inc. Class A Common Stock	L	297.8497	$6.68	Acquired	482766.2698	Direct
2009-07-02	Citizens, Inc. Class A Common Stock	L	332.6574	$5.98	Acquired	483098.9272	Direct
2009-07-31	Citizens, Inc. Class A Common Stock	L	279.788	$7.12	Acquired	483378.7152	Direct
2009-08-28	Citizens, Inc. Class A Common Stock	L	292.6359	$6.80	Acquired	483671.3511	Direct
2009-10-02	Citizens, Inc. Class A Common Stock	L	316.1577	$6.30	Acquired	483987.5088	Direct
2009-11-02	Citizens, Inc. Class A Common Stock	L	335.9158	$5.92	Acquired	484323.4246	Direct
2009-12-04	Citizens, Inc. Class A Common Stock	L	317.1459	$6.27	Acquired	484640.5705	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Citizens, Inc. Class A Common Stock	3048	Indirect
Citizens, Inc. Class A Common Stock	34185	Indirect
Citizens, Inc. Class A Common Stock	325692	Indirect

Footnotes

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