EXHIBIT 99.1

                                      PROXY
                        MID-AMERICAN ALLIANCE CORPORATION
                THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS

         The undersigned shareholder of Mid-American Alliance Corporation
acknowledges receipt of the Notice of Special Shareholders' Meeting, to be held
on July ___, 2003, at 813 West Stadium Boulevard, Suite A, Jefferson City,
Missouri at [INSERT TIME], and hereby appoints Scott J. Engebritson and John R.
Perkins, each of them with the power of substitution, as attorneys and proxies
to vote all the shares of the undersigned at said special meeting and at all
adjournments thereof, hereby ratifying and confirming all that said attorneys
and proxies may do or cause to be done by virtue hereof. The above-named
attorneys and proxies are instructed to vote all of the undersigned's shares as
follows:

         THE DIRECTORS RECOMMEND A VOTE FOR THE ITEM INDICATED BELOW:

1.       A proposal to approve and adopt the Plan and Agreement of Merger dated
         March 7, 2003 under which Mid-American shareholders will exchange their
         shares for Citizens, Inc. ("Citizens") Class A common stock, and
         Mid-American will become a subsidiary of Citizens.

                  FOR _____          AGAINST _____         ABSTAIN _____


         The proxies are hereby authorized to vote in their discretion to
adjourn or postpone the Special Shareholders' Meeting.

         THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE VOTED AS DIRECTED HEREIN BY
THE UNDERSIGNED SHAREHOLDER. IF NO DIRECTION IS MADE, THIS PROXY WILL BE VOTED
FOR PROPOSAL 1.

         Dated this ______ day of ________________, 2003.


Number of Shares Voted*                -------------------------------
                                                  Signature
-----------------

                                       -------------------------------
                                                   Signature

*If the number of shares voted is not
indicated, all shares in your name on
Mid-American's stock register will be
voted for the Plan and Agreement of
Merger.
                                       Please sign your name exactly as it
                                       appears on your stock certificate(s). If
                                       shares are held jointly, each holder
                                       should sign. Executors, trustees, and
                                       other fiduciaries should so indicate
                                       when signing.

                                       Please sign, date and return this proxy
                                       immediately.