8-K

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 16, 2013

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)

(512) 837-7100

(Registrant’s telephone number, including area code)

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:

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

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

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

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

TABLE OF CONTENTS

Item 8.01 Other Events	1
Item 9.01 Financial Statements and Exhibits	1
Signature	2
Exhibit Index	3
Ex – 99.1 News Release issued by Citizens, Inc. on October 16, 2013

SECTION 8 – OTHER EVENTS

Item 8.01 Other Events.

On October 16, 2013, Citizens, Inc. (“Citizens”) issued a news release (the “Release”) reporting that it will release its third quarter results on Wednesday, November 6, 2013.  Citizens also announced that it would hold a conference call to discuss its operating results at 11:00 a.m. Central Standard Time on Thursday, November 7, 2013.  A copy of the Release is included as Exhibit 99.1 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.

SECTION 9 – FINANCIAL STATEMENTS AND EXHIBITS

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

99.1 News Release issued by Citizens, Inc. on October 16, 2013

1

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 16, 2013

2

EXHIBIT INDEX

Exhibit No.	Description
99.1	News Release issued by Citizens, Inc. on October 16, 2013

3

EX-99.1

EXHIBIT 99.1

FOR FURTHER INFORMATION CONTACT:

Heather Wietzel

InsuranceIR LLC

(513) 252-8259

PR@citizensinc.com

FOR IMMEDIATE RELEASE

October 16, 2013

Citizens, Inc. Schedules Third-Quarter 2013 Reporting

Ÿ News release on results planned for Wednesday, November 6, 2013

Ÿ Investor conference call scheduled for Thursday, November 7, 2013 at 11:00 a.m. CST

AUSTIN, TEXAS(October 16, 2013) – Citizens, Inc., (NYSE: CIA) today announced its anticipated schedule for third-quarter 2013 reporting.

On Wednesday, November 6, 2013, Citizens plans to issue its news release regarding third-quarter and nine-month 2013 results. On Thursday, November 7, 2013, Citizens expects to conduct a conference call to discuss operating results at 11:00 a.m. Central Time (noon ET). 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) 503-8169 and ask to join the Citizens’ call. We recommend participants 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.