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Citizens (CIA) investor relations material
Citizens Emerging Growth Conference 88 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Emerging Growth Conference 88 summary11 Dec, 2025
Company overview and market position
Operates in over 75 countries, with two-thirds of premiums from international clients, mainly in South America and Taiwan.
Fastest-growing U.S. life insurer last year, despite being a 50-year-old company.
U.S. focus is on affordable final expense policies for retirees lacking portable life insurance.
Expanded U.S. presence from 5 to 43 states in two years, targeting blue-collar retirees.
Significant growth potential remains both domestically and internationally.
Strategic initiatives and competitive advantages
Implementing a new admin system to support modern insurance products and enable international and upmarket U.S. growth.
Emphasizes agility and innovation, avoiding bureaucracy typical of larger insurers.
Focuses on agent and client experience, building loyalty among agents through ease of doing business.
Plans to introduce new insurance products, such as universal life and term, starting next year.
Growth priorities and outlook
Aims for a balanced 50/50 split between international and domestic revenue over time.
Recent sales skewed two-thirds domestic, but international growth remains strong.
Current focus is on profitable, high-quality U.S. final expense business, with Asia as a key future growth area.
New admin system's impact on product expansion
Achieving 50/50 international-domestic revenue
Capital-efficient growth strategy details
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Q4 202510 Mar, 2026
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Frequently asked questions
Citizens, Inc. is an insurance holding company that provides life, living benefits, and final expense insurance to individuals and small businesses. The company operates through two main segments: Life Insurance and Home Service Insurance. The Life Insurance segment focuses on offering U.S. dollar-denominated whole life, endowment, and critical illness policies to residents outside the United States, primarily in Latin America and the Pacific Rim. Domestically, it sells a variety of life insurance products, including those with living benefits and credit life and disability insurance, across the U.S. The Home Service Insurance segment caters to middle- and lower-income households in Louisiana, Mississippi, and Arkansas, offering final expense life insurance and other related products. The company is headquartered in Austin, Texas, and its shares are listed on the NYSE.
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