Company:  CITIZENS INC (CIA)
Form Type:  10-K
Filing Date:  3/12/2012 
CIK:  0000024090 
Address:  400 EAST ANDERSON LANE 
City, State, Zip:  AUSTIN, Texas 78752 
Telephone:  (512) 837-7100 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$6.33   		Change: 
-0.08 (-1.25%)  
Trade Time: 
May 17   		Market Cap: 
$310.68M
Description of Business
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  FORM 10-K
    PART I
      Item 1. BUSINESS
      Item 1A. RISK FACTORS
      Item 1B. UNRESOLVED STAFF COMMENTS
      Item 2. PROPERTIES
      Item 3. LEGAL PROCEEDINGS
      Item 4. MINE SAFETY DISCLOSURES
    PART II
      Item 5. MARKET FOR REGISTRANT'S COMMON EQUITY, RELATED ...
      Item 6. SELECTED FINANCIAL DATA
      Item 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL ...
        Consolidated Results of Operations
        Liquidity and Capital Resources
          BALANCE SHEET
      Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT ...
      Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
      Item 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ...
      Item 9A. CONTROLS AND PROCEDURES
      Item 9B. OTHER INFORMATION
    PART III
    PART IV
      Item 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES
    Report of Independent Registered Public Accounting Firm
    BALANCE SHEET
    BALANCE SHEET
    INCOME STATEMENT
    STOCKHOLDERS EQUITY
    STOCKHOLDERS EQUITY
    CASH FLOW
    Notes to Consolidated Financial Statements
      INCOME STATEMENT
      INCOME STATEMENT
      INCOME STATEMENT
      Note 15: Subsequent Events
      BALANCE SHEET
      INCOME STATEMENT
      CASH FLOW
    SIGNATURES
  EXHIBIT 21
    SUBSIDIARIES
  EXHIBIT 23
    CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
  EXHIBIT 31.1
    Certification
  EXHIBIT 31.2
    Certification
  EXHIBIT 32.1
    Certification
  EXHIBIT 32.2
    Certification
  EXHIBIT 99.1
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