STOCK TITAN

Citizens (NYSE: CIA) CFO nets more shares after RSU vesting

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

CITIZENS, INC. CFO & Treasurer Jeffery P. Conklin exercised restricted stock units into Class A common shares and had a portion withheld for taxes. He acquired 24,950 shares through RSU conversions and 6,077 shares of Class A common stock were withheld at $4.58 per share to cover tax obligations. Following these transactions, he directly held 188,340.1323 shares of Class A common stock. He also retained unexercised restricted stock units representing 19,336 and 17,582 underlying Class A shares, which vest in three equal annual installments under the Citizens, Inc. Omnibus Incentive Plan for pay-for-performance and long-term incentives.

Positive

  • None.

Negative

  • None.
Insider Conklin Jeffery P.
Role CFO & Treasurer
Type Security Shares Price Value
Exercise Restricted Stock Units 12,489 $0.00 --
Exercise Restricted Stock Units 12,461 $0.00 --
Exercise Citizens, Inc. Class A Common Stock 12,489 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 3,042 $4.58 $14K
Exercise Citizens, Inc. Class A Common Stock 12,461 $0.00 --
Tax Withholding Citizens, Inc. Class A Common Stock 3,035 $4.58 $14K
holding Restricted Stock Units -- -- --
holding Restricted Stock Units -- -- --
Holdings After Transaction: Restricted Stock Units — 12,490 shares (Direct); Citizens, Inc. Class A Common Stock — 181,956.132 shares (Direct)
Footnotes (1)
  1. 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). 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). Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock. On March 31, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary of the date of the grant (March 31, 2024) and the second anniversary of the date of the grant (March 31, 2025) and the third anniversary of the date of the grant (March 31, 2026). On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028).
RSU shares exercised 24,950 shares Restricted stock units converted into Class A common stock on March 28, 2026
Shares withheld for taxes 6,077 shares at $4.58 Class A common shares delivered to satisfy tax liability on March 28, 2026
Direct Class A holdings after transactions 188,340.1323 shares Total Class A common stock directly owned following reported transactions
Unvested RSUs block 1 19,336 underlying shares Restricted stock units with $0.0000 exercise price, direct ownership
Unvested RSUs block 2 17,582 underlying shares Restricted stock units with $0.0000 exercise price, direct ownership
Exercise price of RSUs $0.0000 per unit Restricted stock units convertible into Class A common stock
Restricted Stock Units financial
"On March 28, 2024, the reporting person was granted an award of restricted stock units (RSUs)"
Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.
tax-withholding disposition financial
"Payment of exercise price or tax liability by delivering securities"
A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.
Omnibus Incentive Plan financial
"under the Citizens, Inc. Omnibus Incentive Plan for 2023 pay-for-performance"
An omnibus incentive plan is a single, flexible program a company uses to give employees and executives different types of pay tied to performance — for example stock options, restricted shares, cash bonuses and other awards — all governed by one set of rules. It matters to investors because it determines how many new shares may be created, how leaders are motivated and how much the company will spend on compensation over time; think of it as a master toolbox that affects both costs and the total share supply.
pay-for-performance financial
"Omnibus Incentive Plan for 2023 pay-for-performance"
long-term incentive financial
"Omnibus Incentive Plan for the 2024 long-term incentive"
Long-term incentive is a form of pay awarded to executives and key employees that vests over several years and is tied to company performance, often paid in stock or stock-linked awards. It matters to investors because it shapes management’s motivation and risk-taking, can dilute existing shares, and affects future cash flow and company governance—think of it as a multi-year performance bonus that aligns leaders’ rewards with shareholder returns.
contingent right financial
"Each restricted stock unit represents a contingent right to receive one share"
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
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 for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Conklin Jeffery P.

(Last)(First)(Middle)
11815 ALTERRA PARKWAY, SUITE 1500

(Street)
AUSTIN TEXAS 78758

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
CITIZENS, INC. [ CIA ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
CFO & Treasurer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
03/28/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

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)
CodeVAmount(A) or (D)Price
Citizens, Inc. Class A Common Stock03/28/2026M12,489A(1)181,956.1323D
Citizens, Inc. Class A Common Stock03/28/2026F3,042D$4.58178,914.1323D
Citizens, Inc. Class A Common Stock03/28/2026M12,461A(2)191,375.1323D
Citizens, Inc. Class A Common Stock03/28/2026F3,035D$4.58188,340.1323D
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 Securities Underlying Derivative Security (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: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Restricted Stock Units(3)03/28/2026M12,489 (1) (1)Class A Common Stock12,489$012,490D
Restricted Stock Units(3)03/28/2026M12,461 (2) (2)Class A Common Stock12,461$012,461D
Restricted Stock Units(3) (4) (4)Class A Common Stock19,33619,336D
Restricted Stock Units(3) (5) (5)Class A Common Stock17,58217,582D
Explanation of Responses:
1. 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).
2. 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).
3. Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.
4. On March 31, 2023, the reporting person was granted an award of restricted stock units, vesting in three equal annual installments on the first anniversary of the date of the grant (March 31, 2024) and the second anniversary of the date of the grant (March 31, 2025) and the third anniversary of the date of the grant (March 31, 2026).
5. On March 31, 2025, the reporting person was granted an award of RSUs under the Citizens, Inc. Omnibus Incentive Plan for the 2025 long-term incentive. The RSUs vest in three equal annual installments on the first anniversary of the date of the grant (March 31, 2026) an dthe second anniversary of the date of the grant (March 31, 2027) and the third anniversary of the date of the grant (March 31, 2028).
Remarks:
/s/Jeffery P. Conklin03/31/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* 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).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did CIA CFO Jeffery Conklin report in this insider filing?

Jeffery Conklin reported RSU vesting and related tax withholding. He converted 24,950 restricted stock units into Class A common shares, while 6,077 shares were withheld at $4.58 each to satisfy tax obligations, reflecting routine equity compensation activity rather than open-market buying or selling.

How many Citizens (CIA) shares does the CFO hold after these transactions?

After these transactions, the CFO directly holds 188,340.1323 Class A shares. This figure reflects RSU conversions into common stock and the share amounts withheld for taxes, providing a snapshot of his direct equity stake following the most recent vesting events.

Were any Citizens (CIA) shares sold on the open market in this Form 4?

No open-market sales are shown in this Form 4. The only dispositions involve 6,077 Class A shares withheld at $4.58 each to cover tax liabilities arising from restricted stock unit vesting, which is a non-market, compensation-related mechanism.

What restricted stock units remain outstanding for the CIA CFO?

The filing shows two RSU positions still outstanding. They represent 19,336 and 17,582 underlying Class A common shares, each with a $0.0000 exercise price, tied to multi-year vesting schedules under the Citizens, Inc. Omnibus Incentive Plan.

How are the Citizens (CIA) RSUs structured under the Omnibus Incentive Plan?

The RSUs vest in three equal annual installments. Grants for 2023 pay-for-performance and 2024 and 2025 long-term incentives each vest on the first, second, and third anniversaries of their respective grant dates, with each unit convertible into one Class A common share.

What price was used for tax withholding shares in the CIA CFO’s filing?

Tax withholding used a share value of $4.58. A total of 6,077 Class A common shares were delivered at $4.58 per share to satisfy tax liabilities associated with the RSU vesting and derivative exercises reported in the filing.