CIA

Business Context and Reporting Period

Company: Citizens, Inc.
Filing Type: Form 8-K (Current Report)
Date of Report: October 22, 2010
Reporting Period: This filing announces the upcoming release of financial results for the third quarter ended September 30, 2010.

Key Financial Metrics

The filing text does not provide specific values for revenue, profit, cash flow, margins, debt, or liquidity. This report serves solely as a notification of the timing for the release of the Q3 2010 financial statements.

Material Changes

No material changes to financial performance or operations are reported in this document. The filing contains no comparative data against prior periods.

Guidance, Outlook, and Management Commentary

Earnings Release Schedule:

• Q3 2010 Earnings Release: Friday, November 5, 2010.
• Form 10-Q Filing: Friday, November 5, 2010 (for the quarter ended September 30, 2010).
• Conference Call: Monday, November 8, 2010, at 10:00 a.m. Central Standard Time.

Legal Status: The information is furnished, not filed, for purposes of Section 18 of the Securities Exchange Act of 1934 and will not be incorporated by reference into any filing under the Securities Act of 1933 unless specifically identified.

Investor Verification Checklist

• Verify the actual earnings release and Form 10-Q filed on November 5, 2010, for Q3 financial data.
• Confirm the transcript or recording of the conference call held on November 8, 2010, for management commentary.
• Review the news release included as Exhibit 99.8 for any additional details not captured in the 8-K summary.