X0202 5 2005-12-31 0 0 0 0000024090 CITIZENS INC CIA 0001054957 OLIVER MARK A 400 EAST ANDERSON LANE AUSTIN TX 78752 1 1 0 0 President Citizens, Inc. Class A Common Stock 2005-01-06 5 L 0 8 6.07 A 9173 D Citizens, Inc. Class A Common Stock 2005-02-03 5 L 0 8 5.74 A 13103 D Citizens, Inc. Class A Common Stock 2005-03-02 5 L 0 8 5.77 A 13111 D Citizens, Inc. Class A Common Stock 2005-04-13 5 L 0 9 5.80 A 13120 D Citizens, Inc. Class A Common Stock 2005-05-04 5 L 0 9 5.45 A 13129 D Citizens, Inc. Class A Common Stock 2005-06-06 5 L 0 9 5.73 A 13138 D Citizens, Inc. Class A Common Stock 2005-07-13 5 L 0 8 6.65 A 13146 D Citizens, Inc. Class A Common Stock 2005-08-10 5 L 0 7 7.12 A 13153 D Citizens, Inc. Class A Common Stock 2005-09-06 5 L 0 7 7.20 A 13160 D Citizens, Inc. Class A Common Stock 2005-10-13 5 L 0 9 5.74 A 13169 D Citizens, Inc. Class A Common Stock 2005-11-08 5 L 0 8 6.07 A 13177 D Citizens, Inc. Class A Common Stock 2005-12-12 5 L 0 8 6.00 A 13185 D Citizens, Inc. Class A Common Stock 2005-12-31 5 J 0 525 5.45 A 13710 D Citizens, Inc. Class A Common Stock 2005-12-31 5 J 0 399 5.45 A 14109 D These shares were purchased through the Employee Stock Purchase Plan as part of regular monthly payroll deduction. Stock Dividend paid 12/31/2005 /s/Mark A. Oliver 2006-01-31