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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0001209191-09-004752.txt : 20090126
<SEC-HEADER>0001209191-09-004752.hdr.sgml : 20090126
<ACCEPTANCE-DATETIME>20090126100013
ACCESSION NUMBER:		0001209191-09-004752
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20081231
FILED AS OF DATE:		20090126
DATE AS OF CHANGE:		20090126

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS INC
		CENTRAL INDEX KEY:			0000024090
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				840755371
		STATE OF INCORPORATION:			CO
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78752
		BUSINESS PHONE:		5128377100

	MAIL ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78752

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CONTINENTAL INVESTORS LIFE INC
		DATE OF NAME CHANGE:	19881222

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Pollio Jonathan Meyer
		CENTRAL INDEX KEY:			0001376826

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		09544228

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		512-837-7100

	MAIL ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78714-9151
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>doc5.xml
<DESCRIPTION>FORM 5 SUBMISSION
<TEXT>
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<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>5</documentType>

    <periodOfReport>2008-12-31</periodOfReport>

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    <form4TransactionsReported>0</form4TransactionsReported>

    <issuer>
        <issuerCik>0000024090</issuerCik>
        <issuerName>CITIZENS INC</issuerName>
        <issuerTradingSymbol>CIA</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001376826</rptOwnerCik>
            <rptOwnerName>Pollio Jonathan Meyer</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>400 EAST ANDERSON LANE</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>AUSTIN</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>78714-9151</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Vice President, Chief Actuary</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

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                <value>Citizens, Inc. Class A Common Stock</value>
                <footnoteId id="F1"/>
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            <transactionDate>
                <value>2008-02-05</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
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            <transactionTimeliness>
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            <transactionAmounts>
                <transactionShares>
                    <value>33.2897</value>
                </transactionShares>
                <transactionPricePerShare>
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                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
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            </transactionDate>
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                <transactionShares>
                    <value>30.7894</value>
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                <transactionPricePerShare>
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                    <value>A</value>
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            <transactionDate>
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            <deemedExecutionDate></deemedExecutionDate>
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                <sharesOwnedFollowingTransaction>
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            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
                <footnoteId id="F1"/>
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            <transactionDate>
                <value>2008-08-01</value>
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            <deemedExecutionDate></deemedExecutionDate>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
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                    <value>9.12</value>
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    <footnotes>
        <footnote id="F1">These shares were purchased through the Citizens Stock Investment Plan as part of regular monthly payroll deduction.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/2/Jonathan M. Pollio</signatureName>
        <signatureDate>2009-01-26</signatureDate>
    </ownerSignature>
</ownershipDocument>
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