CIA: Rapid growth, innovation, and balanced global expansion drive the company's forward strategy

Operating in over 75 countries, the company is expanding both domestically and internationally, with a focus on innovation, agent relationships, and new product development. Aiming for balanced growth, it maintains a conservative investment approach and leverages reinsurance for capital efficiency.

Based on Citizens, Inc. [CIA] Emerging Growth Conference 88 Audio Transcript — Dec. 11 2025

Rapid expansion in both U.S. and international markets has driven record growth, with innovative white-label products and a focus on underserved segments. Strong financials, a flexible reinsurance model, and a diverse, multilingual operation support continued growth and market penetration.

Based on Citizens, Inc. [CIA] Sidoti's Year End Virtual Investor Conference Audio Transcript — Dec. 10 2025

Rapid expansion in both U.S. and international markets has driven record sales and agent growth, with a unique white-label strategy and focus on underserved segments. Strong capital position, prudent investment, and flexible reinsurance support continued growth and innovation.

Based on Citizens, Inc. [CIA] Sidoti's Year End Virtual Investor Conference Audio Transcript — Dec. 10 2025

• Sidoti Virtual Conference on December 10 and 11, 2025

• Emerging Growth Virtual Conference on December 11, 2025

Austin, Texas--(Newsfile Corp. - December 2, 2025) - Citizens, Inc. , a leading diversified financial services company specializing in life, living benefits, and final expense insurance, today provided additional information related to its previously announced participation in upcoming investor conferences.

Sidoti Virtual Conference on December 10 and 11, 2025

Citizens management plans to participate in the Sidoti Virtual Conference on December 10 and 11. Conference attendees are encouraged to register and request one-on-one meetings HERE with Citizens on December 10 and 11.

Citizens' presentation webcast at the Sidoti Virtual Conference is on December 10 at 2:30 ET. The live, interactive webcast and slide presentation will be accessible on the Company's Investor Relations website under the Events tab HERE. The webcast will be archived on the website for future viewing.

Emerging Growth Virtual Conference on December 11, 2025

Citizens management plans to present at the Emerging Growth Virtual Conference on December 11 at 3:10 ET. The live, interactive webcast and slide presentation will be accessible on the Company's Investor Relations website under the Events tab HERE. The webcast will be archived on the website for future viewing.

About Citizens, Inc.

Citizens, Inc. is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. Through its customer-centric growth strategy, Citizens offers innovative products to address the evolving needs of its customers in their native languages of English, Spanish, Portuguese, and Mandarin. The Company operates two primary segments: Life Insurance, where internationally the Company is a market leader in U.S. Dollar denominated life insurance and where it is growing in niche markets in the United States through its final expense products distributed through white-label and established distribution channels, and Home Service Insurance, which operates primarily in the U.S. Gulf coast region. Citizens' stock is included in the Russell 2000® and Russell 3000® indexes. For more information about Citizens, please visit the website at www.citizensinc.com and LinkedIn.

Citizens, Inc. Investor Relations Contacts

Darrow Associates Investor Relations

Jeff Christensen and Matt Kreps

Email: CIA@darrowir.com (Jeff and Matt)

Phone: 703-297-6917 (Jeff) and 214-597-8200 (Matt)

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/276598