Citizens, Inc. Begins Trading on NYSE

To celebrate the Company's first day of trading on the NYSE, Harold E. Riley, Citizens' Chairman, rang the opening bell. Joining him on the podium for the event were members of Citizens' executive management. Mr. Riley purchased the first 1,000 shares of the Company's stock that traded on the NYSE.

Speaking from the floor of the Exchange minutes after trading began, Riley noted, "The listing on the New York Stock Exchange is a very significant and important event in the growth and development of Citizens. The NYSE is the largest and most prestigious exchange in the world, and we are pleased and honored to be included among its listed firms."

About Citizens, Inc.
Citizens, Inc. is a financial services company with a growth strategy of achieving $1 billion in assets, $250 million in revenues, $10 billion of life insurance in force, $250 million of stockholders' equity and a market capitalization of $1 billion at year 2010 by targeting the sale of U.S. dollar whole life insurance policies overseas as well as in the United States and through the acquisition and merging of other life insurance companies.

Citizens is included in the Russell 2000® Index, which measures the performance of the largest companies in the U.S. stock market, based on market capitalization. Citizens' stock closed at $12.23 on August 21, 2002.

Additional information is available at the Company's web site: www.citizensinc.com.

FOR FURTHER INFORMATION CONTACT:   
Joel H. Mathis, Vice President
Public Relations and Investor Relations
Post Office Box 149151
Austin, Texas 78714-9151
PR@citizensinc.com
(512) 837-7100






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