Results of Operations and Financial Condition. On August 6, 2026, Citizens, Inc. issued a press release regarding its financial results for the three and six months ended June 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of…

Results of Operations and Financial Condition. On May 7, 2026, Citizens, Inc. issued a press release regarding its financial results for the year ended March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended,…

Results of Operations and Financial Condition. On March 12, 2026, Citizens, Inc. issued a press release regarding its financial results for the year ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as am…

Chief Executive Officer — Jon Stenberg: Compensation increase for the CEO to align with market data.

Results of Operations and Financial Condition. On November 6, 2025, Citizens, Inc. (the "Company") issued a press release regarding its financial results for the three and nine months ended September 30, 2025. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any…

Director — Michael Harwood: Election of Michael Harwood to the Board as an independent director.

Results of Operations and Financial Condition. On August 7, 2025, the Company issued a press release regarding its financial results for the three and six months ended June 30, 2025. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities…

Results of Operations and Financial Condition. On May 8, 2025, the Company issued a press release regarding its financial results for the three months ended March 31, 2025. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 19…

Director — Gerald W. Shields: Mr. Shields resigned from the Board of Directors.

Results of Operations and Financial Condition. On March 13, 2025, the Company issued a press release regarding its financial results for the full year and quarter ended December 31, 2024. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Secur…

Results of Operations and Financial Condition. On November 7, 2024, the Company issued a press release regarding its financial results for the quarter ended September 30, 2024. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act o…

Results of Operations and Financial Condition. On August 6, 2024, the Company issued a press release regarding its financial results for the quarter ended June 30, 2024. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933,…

Chief Executive Officer — Jon Stenberg: Jon Stenberg, the current President of Citizens, Inc., is being promoted to Chief Executive Officer.

Entry into a Material Definitive Agreement On May 3, 2024, Citizens, Inc. (the “Company”) entered into the First Amendment to Credit Agreement with Regions Bank (the “Lender”) in order to renew and extend the credit facility provided under the Credit Agreement entered into between the Company and Lender in May 2021 (the Credit Agreement, as amended by the First Amendment to Credit Agreement is referred to as the “Credit Facility”). The Credit Facility was renewed on substantially the same ter…

Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant The information under

Results of Operations and Financial Conditions On May 7, 2024, the Company issued a press release regarding its financial results for the quarter ended March 31, 2024. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, a…

Chief Executive Officer — Jon Stenberg: The company is bringing in an experienced leader to succeed the current CEO.

Results of Operations and Financial Conditions On March 14, 2024, Citizens, Inc. (the “Company”) issued a press release regarding the Company’s financial results for the fourth quarter and year ended December 31, 2023. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by referenc…

Chief Executive Officer — Gerald W. Shields: The Board is searching for a successor CEO and extended Mr. Shields' term to facilitate a smooth transition.

Results of Operations and Financial Conditions On November 6, 2023, Citizens, Inc. (the “Company”) issued a press release regarding the Company’s financial results for the quarter ended September 30, 2023. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any fili…

Results of Operations and Financial Condition As previously reported in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2022 (the “2022 Form 10-K”), on January 1, 2023, Citizens, Inc. (the “Company”) adopted Accounting Standards Update No. 2018-12, Financial Services-Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts ("LDTI") on a modified retrospective basis with a transition date of January 1, 2021. The Company is filin…

Results of Operations and Financial Conditions On August 4, 2023, Citizens, Inc. (the “Company”) issued a press release regarding the Company’s financial results for the quarter ended June 30, 2023. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing unde…

Results of Operations and Financial Conditions On May 8, 2023, Citizens, Inc. (the “Company”) issued a press release regarding the Company’s financial results for the quarter ended March 31, 2023. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under…

Results of Operations and Financial Conditions On March 13, 2023, Citizens, Inc. (the “Company”) issued a press release regarding the Company’s financial results for the quarter and year ended December 31, 2022. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in an…

Results of Operations and Financial Conditions On November 4, 2022, Citizens, Inc. (the “Company”) issued a press release regarding the Company’s financial results for the quarter ended September 30, 2022. A copy of the Company’s press release is attached hereto as Exhibit 99.1. The information contained in this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any fili…