8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 22, 2009

CITIZENS, INC.
(Exact name of registrant as specified in its charter)

COLORADO	0-16509	84-0755371
(State or other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

400 East Anderson Lane Austin, Texas	78752
(Address of Principal Executive Offices)	(Zip Code)

Registrant’s telephone number, including area code: (512) 837-7100

Not Applicable

(Former name or former address if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

SECTION 8 — OTHER EVENTS

Item 8.01 Other Events.

On October 22, 2009, Citizens, Inc. (“Citizens”) issued a news release (the “Release”) reporting that it will release its third quarter 2009 earnings on Thursday, November 5, 2009, and it intends to file its Form 10-Q for the quarter ended September 30, 2009 on Monday, November 9, 2009. Citizens also announced that it would hold a conference call to discuss its financial results at 10:00 a.m. Central Standard Time on Friday November 6, 2009. A copy of the Release is included as Exhibit 99.8 to this Current Report on Form 8-K and incorporated herein by reference.

The information in this report is being furnished, not filed, for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, and pursuant to Item 2.02 of Form 8-K will not be incorporated by reference into any filing under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference.

Item 9.01 Financial Statements and Exhibits

(d)	Exhibits:
99.8	News Release issued by Citizens, Inc. on October 22, 2009.

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CITIZENS, INC
By:	/s/ Rick D. Riley
	Rick D. Riley, Vice Chairman and
	President

Date: October 22, 2009

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EXHIBIT INDEX

Exhibit No.		Description
	99.8	News Release issued by Citizens, Inc. on October 22, 2009

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EX-99.8

EXHIBIT 99.8

FOR IMMEDIATE RELEASE
October 22, 2009

For further information contact:
Randall H. Riley
Vice President, Investor Relations
(512) 837-7100
PR@citizensinc.com

CITIZENS, INC. PLANS EARNINGS RELEASE FOR THURSDAY, NOV. 5th
AND EXPECTS TO HOST CONFERENCE CALL FRIDAY, NOV. 6th
AT 10 A.M. CST

AUSTIN, Texas (October 22, 2009) — Citizens, Inc. (NYSE: CIA) announced today it expects to release 2009 third quarter earnings on Thursday, November 5, 2009.

Following the release, Citizens, Inc. will host a conference call to discuss its 2009 third quarter operating results at 10 a.m. Central Standard Time on Friday, November 6, 2009. The conference call will be hosted by Rick D. Riley, Vice Chairman and President, Kay Osbourn, Chief Financial Officer, and other members of the Citizens, Inc. management team. Citizens, Inc. intends to file its Form 10-Q dated September 30, 2009 by Monday, November 9, 2009 with the U.S. Securities and Exchange Commission, contingent upon Ernst & Young, LLP’s completion of the quarterly review process.

To participate in the Citizens, Inc. conference call, please dial (888) 742-8686 and when prompted, enter confirmation code #8442219. It is recommended you dial in 3-5 minutes before the call is scheduled to begin.

Citizens, Inc. is a financial services company listed on the New York Stock Exchange under the symbol CIA. The Company expects to achieve its goal, established nearly a decade ago, to reach $1 billion in assets by the end of 2010, via the worldwide sale of U.S. dollar denominated whole life cash value insurance policies, coupled with the acquisition of other life insurance companies. Citizens’ Class A common stock closed at $6.22 on October 21, 2009.

Information herein contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which can be identified by words such as “may,” “will,” “expect,” “anticipate” or “continue” or comparable words. In addition, all statements other than statements of historical facts that address activities that the Company expects or anticipates will or may occur in the future are forward-looking statements. Readers are encouraged to read the SEC reports of the Company, particularly its Form 10-K for the fiscal year ended December 31, 2008, its quarterly reports on Form 10-Q and its current reports on Form 8-K, for the meaningful cautionary language disclosing why actual results may vary materially from those anticipated by management. The Company undertakes no duty or obligation to update any forward-looking statements contained in this release as a result of new information, future events or changes in the Company’s expectations. The Company also disclaims any duty to comment upon or correct information that may be contained in reports published by the investment community.

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