Citizens Inc
citizensinc.comWhat Do They Do?
Sells life insurance and endowment products to non-U.S. residents, and life and final expense insurance to U.S. customers.
10-K for FY2025, filed Mar 12, 2026We sell U.S. dollar-denominated life insurance, endowment and other financial products to non-U.S. residents, located principally in Latin…View ↗
We sell life insurance and other financial products in the United States.View ↗
The majority of first year premiums in our Domestic Insurance segment are generated from final expense whole life products sold through…View ↗
How Do They Make Money?
Policyholders pay premiums over time for insurance coverage; Citizens also earns investment income by investing most of those premiums before paying benefits.
10-K for FY2025, filed Mar 12, 2026
-
10-K for FY2025, filed Mar 12, 2026
FY2025 revenue by reportable segment ↗
$255.6M
-
10-K for FY2025, filed Mar 12, 2026
$255.6M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
International Insurance Segment
Recurring
10-K for FY2025, filed Mar 12, 2026 |
69% |
International Insurance Segment, FY2025
$175.7M Sources
|
Recurring |
|
Domestic Insurance Segment
Recurring
10-K for FY2025, filed Mar 12, 2026 |
31% |
Domestic Insurance Segment, FY2025
$79.1M Sources
|
Recurring |
Who Are Their Customers?
International customers are non-U.S. residents, mainly in Latin America and the Pacific Rim, reached through independent marketing agencies and consultants. U.S. individuals and families buy through independent agents and brokers.
10-K for FY2025, filed Mar 12, 2026We sell U.S. dollar-denominated life insurance, endowment and other financial products to non-U.S. residents, located principally in Latin…View ↗
We sell our international products through independent marketing agencies and consultants located primarily in Latin America and the…View ↗
Our domestic products are distributed primarily through a network of independent licensed agents and brokers who market our life insurance…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 6 cents of every revenue dollar as net income in FY2025 and turned 7 cents into free cash flow.
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 6, 2026
−$425KView ↗
- ▼ Now a loss
- vs $6.5M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 6, 2026
Open tableView ↗
Flat. Revenue was $255.6M in FY2025, about the same as the $250.5M of FY2021.
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