Citizens, Inc. Shares Business Update Emphasizing Growth and Operational Initiatives
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 26 2025
0mins
Source: Yahoo Finance
Company Overview: Citizens, Inc. is a diversified financial services company specializing in life, living benefits, and final expense insurance, with a strong presence in the U.S., Latin America, and Asia.
Growth Strategy: The company aims for sustainable growth through initiatives such as increasing first-year premium revenues, expanding market penetration, and enhancing product offerings and servicing platforms.
Record Performance: As of June 30, 2025, Citizens reported record total direct insurance in force at $5.35 billion, a 4.4% increase from the previous year, and a 20% rise in direct first-year life and accident & health premiums in Q2 2025.
Positive Outlook: CEO Jon Stenberg emphasized the company's competitive advantages and consistent growth in first-year premiums over eleven consecutive quarters, reinforcing a positive outlook for long-term value creation.
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Analyst Views on CIA
About CIA
Citizens, Inc. is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the United States (U.S.), Latin America, and Asia. It operates two segments: Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment and critical illness policies to non-U.S. residents, located principally in Latin America and the Pacific Rim. In the U.S. it primarily sells whole-life final expense insurance and insurance with living benefits. This segment operates business through CICA Life, A.I. (CICA International) and CICA Life Insurance Company of America (CICA Domestic). The Home Service Insurance segment offers affordable life insurance policies to lower-income households in Louisiana, Mississippi and Arkansas, conducting business through Security Plan Life Insurance Company and Magnolia Guaranty Life Insurance Company.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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