- Citizens Inc. (CIA) is a diversified financial services company with **$1.7 billion in assets** and **$173 million in premium revenue in 2024**.  **[24090_2156113_1]** **[24090_2156113_4]** 
- The company reported **significant growth**, being the "fastest growing mature life insurance company in the United States in 2024"  **[24090_2156113_1]** , driven by a **53% increase in global producing agents** and **11 consecutive quarters of beating prior sales**.  **[24090_2156113_4]** 
- Strategic initiatives include expanding its domestic final expense market presence from 5 to **43 states**, with **two-thirds of 2024 sales originating from the U.S.**, and leveraging a **white-label strategy** for **60% of domestic final expense sales**.  **[24090_2156113_2]** **[24090_2156113_3]** 
- Citizens Inc. maintains a **debt-free balance sheet** and plans to **internally fund its growth initiatives**, while also navigating the peak year of maturing endowment benefit payments from early 2000s sales.  **[24090_2156113_4]** **[24090_2156113_7]**

Citizens Inc. Reports Strong Growth and Strategic Expansion

- Citizens (CIA) reported **$173 million** in diversified premium revenues for **2024** and achieved its highest-ever gross insurance in-force of **$5.35 billion**.  **[24090_2156082:4]** **[24090_2156082:7]** 
- The company has demonstrated consistent growth, with direct first year life and A&H premiums increasing **20% in Q2 2025** and first year sales growing for **eleven consecutive quarters**.  **[24090_2156082:9]** **[24090_2156082:13]** 
- Citizens rejoined the Russell 3000® and Russell 2000® indexes in **June 2025**, and its stock price increased **76%** in the **12-month period ended September 8, 2025**.  **[24090_2156082:4]** **[24090_2156082:7]** 
- The company maintains a **Very Strong** A.M. Best Financial Strength Rating (B++) affirmed in **August 2024** and has recorded **20 years of positive net cash from operations annually since 2004**.  **[24090_2156082:6]** **[24090_2156082:7]** **[24090_2156082:9]** **[24090_2156082:12]** 
- Citizens anticipates a reduction in endowment benefit payments after **2025**, with projected payments decreasing from **$78.0 million** in **2025** to **$58.0 million** in **2026** and **$56.0 million** in **2027**.  **[24090_2156082:11]**

CITIZENS (CIA)