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, 2010

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, 2010, Citizens, Inc. (“Citizens”) issued a news release (the “Release”) reporting that it will release its third quarter 2010 earnings on Friday, November 5, 2010, and it intends to file its Form 10-Q for the quarter ended September 30, 2010 on the same day. Citizens also announced that it would hold a conference call to discuss its financial results at 10:00 a.m. Central Standard Time on Monday, November 8, 2010. 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, 2010.

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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, 2010

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EXHIBIT INDEX

Exhibit No.	Description
99.8	News Release issued by Citizens, Inc. on October 22, 2010

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EX-99.8

Exhibit 99.8

FOR FURTHER INFORMATION CONTACT:
Heather Wietzel
InsuranceIR LLC
(513) 252-8259
PR@citizensinc.com

FOR IMMEDIATE RELEASE
October 22, 2010

Citizens, Inc. Schedules Third-Quarter 2010 Reporting
• News release on results and 10-Q filing planned for Friday, November 5
• Investor conference call scheduled for Monday, November 8, at 10 a.m. CST

AUSTIN, TEXAS (October 22, 2010) – Citizens, Inc. (NYSE: CIA) announced today its anticipated schedule for third-quarter 2010 reporting.

On Friday, November 5, 2010, Citizens plans to issue its news release regarding third-quarter results and intends to file with the U.S. Securities and Exchange Commission its Form 10-Q for the period ended September 30, 2010. The filing is contingent upon management and Ernst & Young, LLP, Citizens’ independent registered accounting firm, completing the quarterly review process.

On Monday, November 8, Citizens will host a conference call to discuss operating results at 10 a.m. Central Time. The conference call will be hosted by Rick D. Riley, Vice Chairman and President, Kay Osbourn, Chief Financial Officer, and other members of the Company’s management team.

To participate in the Citizens, Inc. conference call, please dial (888) 674-0222 and ask to join the Citizens, Inc. call. It is recommended you dial in three to five minutes before the call is scheduled to begin. A recording of the conference call will be available on Citizens’ website at www.citizensinc.com in the Investor Information section under News Release & Publications, following the call.

Citizens, Inc. is a financial services company listed on the New York Stock Exchange under the symbol CIA. The Company utilizes a three-pronged strategy for growth based upon worldwide sales of U.S. Dollar-denominated whole life cash value insurance policies, life insurance product sales in the U.S. and the acquisition of other U.S.-based life insurance companies.

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