Item 2.02 Results of Operations and Financial Condition.

On November 6, 2008, Citizens, Inc. ("Citizens") issued a news release (the "Release") reporting, among other things, results for the third quarter and nine months ended September 30, 2008. A copy of the Release is included as Exhibit 99.8 to this Current Report on Form 8-K and incorporated herein by reference. Citizens also announced that it would hold a conference call to discuss its financial results at 10:00 a.m. Central Standard Time on Friday November 7, 2008.

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.

Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

In accordance with the Citizens Bylaws and the Colorado Business Corporation Act, the Harold E. Riley Trust, the sole Class B shareholder, by and through Harold E. Riley, Trustee, appointed Dottie S. Riley to replace Geoffrey M. Kolander as a Class B Director effective November 6, 2008. Mr. Kolander will continue to serve Citizens in his capacity as Vice President, General Counsel and Corporate Secretary. Mr. Riley commends Mr. Kolander for his faithful service to the Citizens Board of Directors.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits:

99.8 News Release issued by Citizens, Inc. on November 6, 2008.

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