EXHIBIT 21

Subsidiaries of Registrant

Company Name	State or Country of Incorporation	Percentage Ownership
CICA Life Insurance Company of America (CICA)	Colorado	100% Direct
CICA Life Ltd.	Bermuda	100% Direct
Citizens Academy, LLC	Texas	100% Direct
Citizens National Life Insurance Company (CNLIC)	Texas	100% Indirect
Computing Technology, Inc. (CTI)	Colorado	100% Indirect
HOH Group, LLC	Texas	100% Indirect
Insurance Investors, Inc. (III)	Texas	100% Indirect
Magnolia Guaranty Life Insurance Company (MGLIC)	Mississippi	100% Indirect
Security Plan Fire Insurance Company (SPFIC)	Louisiana	100% Indirect
Security Plan Life Insurance Company (SPLIC)	Louisiana	100% Indirect

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