Statement of Changes in Beneficial Ownership - Form 4

Ownership Submission

FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b). Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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(Print or Type Responses)

1. Name and Address of Reporting Person * Lewis Bryon Matthew 2. Issuer Name and Ticker or Trading Symbol CITIZENS, INC. [CIA] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) _____ Director _____ 10% Owner __X__ Officer (give title below) _____ Other (specify below) VP, Operations (Last) (First) (Middle) 11815 ALTERRA PARKWAY, SUITE 1500 3. Date of Earliest Transaction (Month/Day/Year) 08/30/2024 (Street) AUSTIN, TX 78758 4. If Amendment, Date Original Filed (Month/Day/Year) 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Citizens, Inc. Class A Common Stock 08/30/2024 L(1) 165.9989 A $2.98 5,841.8062 D Citizens, Inc. Class A Common Stock 11/01/2024 M 1,032 A (2) 6,873.8062 D Citizens, Inc. Class A Common Stock 11/01/2024 F 252 D $4.59 6,621.8062 D

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)	5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)	6. Date Exercisable and Expiration Date (Month/Day/Year)	7. Title and Amount of Underlying Securities (Instr. 3 and 4)	8. Price of Derivative Security (Instr. 5)	9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(2)	11/01/2024		M			1,032	(3)	(3)	Class A Common Stock	1,032	$ 0	0	D
Restricted Stock Units	(2)							(4)	(4)	Class A Common Stock	1,278		1,278	D
Restricted Stock Units	(2)							(5)	(5)	Class A Common Stock	5,251		5,251	D
Restricted Stock Units	(2)							(6)	(6)	Class A Common Stock	7,763		7,763	D
Restricted Stock Units	(2)							(7)	(7)	Class A Common Stock	14,019		14,019	D

Reporting Owners

Reporting Owner Name / Address	Relationships
Director	10% Owner	Officer	Other
Lewis Bryon Matthew 11815 ALTERRA PARKWAY, SUITE 1500 AUSTIN, TX 78758			VP, Operations

Signatures

/s/Bryon Matthew Lewis	11/05/2024
**Signature of Reporting Person	Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.
(2)	Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
(3)	On November 1, 2021, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary date of the grant (November 1, 2022) and the second anniversary date of the grant (November 1, 2023) and the third anniversary date of the grant (November 1, 2024)
(4)	On July 15, 2022, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary date of the grant (July 15, 2023) and the second anniversary date of the grant (July 15, 2024) and the third anniversary date of the grant (July 15, 2025)
(5)	On August 15, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary date of the grant (August 15, 2024) and the second anniversary date of the grant (August 15, 2025) and the third anniversary date of the grant (August 15, 2026)
(6)	On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs) under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).
(7)	On March 28, 2024, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2024 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 28, 2025) and the second anniversary of the date of the grant (March 28, 2026) and the third anniversary of the date of the grant (March 28, 2027).

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