EXHIBIT 32.1

Certification of Chief Executive Officer
of Citizens, Inc. Pursuant to 18 U.S.C. §1350

     I, Rick D. Riley, certify that:

     In connection with the Quarterly Report on Form 10-Q of Citizens, Inc (the “Company”) for the period ended June 30, 2003, as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Rick D. Riley, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. §1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1.	the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and
2.	the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

	/s/ Rick D. Riley
Name:	Rick D. Riley
Title:	Chief Executive Officer
Date:	August 13, 2003

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