SEC Form 4 · accession 0002051485-26-000008

CITIZENS, INC. · CIA

Statement of changes in beneficial ownership, as filed. Original on EDGAR ↗

Reporting owner

Paula L Guerrero

Officer — Chief Information Officer

Period of report

Apr 7, 2026

Accepted (ET)

Aug 18, 2026 · 12:10 pm EDT

Rule 10b5-1 plan

box not checked

Issuer CIK

0000024090

Table I — non-derivative securities

Security	Date	Code	Shares	Price	A/D	Owned after	D/I
Citizens, Inc. Class A Common Stock	Apr 7, 2026	L	184	$5.42	A	17,543	D
Citizens, Inc. Class A Common Stock	May 5, 2026	L	181	$5.48	A	17,724	D
Citizens, Inc. Class A Common Stock	May 29, 2026	L	190	$5.23	A	17,914	D
Citizens, Inc. Class A Common Stock	Jul 2, 2026	L	168	$5.94	A	18,082	D
Citizens, Inc. Class A Common Stock	Jul 31, 2026	L	209	$4.75	A	18,291	D
Citizens, Inc. Class A Common Stock^F2	Aug 15, 2026	M	2,709	—	A	21,000	D
Citizens, Inc. Class A Common Stock	Aug 15, 2026	F	796	$3.97	D	20,204	D

Table II — derivative securities

Security	Conv. / exercise price	Date	Code	Shares	A/D	Exercisable	Expires	Underlying	Underlying shares	Owned after	D/I
Restricted Stock Units^F2,F3	—	Aug 15, 2026	M	2,709	D	—	—	Class A Common Stock	2,709	0	D
Restricted Stock Units^F2,F4	—	holding	—	—	—	—	—	Class A Common Stock	3,035	3,035	D
Restricted Stock Units^F2,F5	—	holding	—	—	—	—	—	Class A Common Stock	3,846	3,846	D
Restricted Stock Units^F2,F6	—	holding	—	—	—	—	—	Class A Common Stock	4,396	4,396	D
Restricted Stock Units^F2,F7	—	holding	—	—	—	—	—	Class A Common Stock	5,964	5,964	D

Explanation of responses

F1These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.
F2Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
F3On August 15, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary date of the grant (August 15, 2024) and the second anniversary date of the grant (August 15, 2025) and the third anniversary date of the grant (August 15, 2026)
F4On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
F5On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028).
F6On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028).
F7On March 31, 2026, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2026 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2027) an dthe second anniversary of the date of the grant (March 31, 2028) and the third anniversary of the date of the grant (March 31, 2029).