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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0001209191-10-003909.txt : 20100120
<SEC-HEADER>0001209191-10-003909.hdr.sgml : 20100120
<ACCEPTANCE-DATETIME>20100120161051
ACCESSION NUMBER:		0001209191-10-003909
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20091231
FILED AS OF DATE:		20100120
DATE AS OF CHANGE:		20100120

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Osbourn Kay E
		CENTRAL INDEX KEY:			0001432965

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		10536420

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

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
</SEC-HEADER>
<DOCUMENT>
<TYPE>5
<SEQUENCE>1
<FILENAME>doc5.xml
<DESCRIPTION>FORM 5 SUBMISSION
<TEXT>
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        <issuerName>CITIZENS INC</issuerName>
        <issuerTradingSymbol>CIA</issuerTradingSymbol>
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            <rptOwnerName>Osbourn Kay E</rptOwnerName>
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            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>AUSTIN</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>78752</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
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            <isOther>0</isOther>
            <officerTitle>Vice President, Internal Audit</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

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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>/s/Kay E. Osbourn</signatureName>
        <signatureDate>2010-01-20</signatureDate>
    </ownerSignature>
</ownershipDocument>
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</TEXT>
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