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<P align="center" style="font-size: 14pt"><B>UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISSION<BR>
<FONT style="font-size: 12pt">Washington, D.C. 20549
</FONT></B>

<P align="center" style="font-size: 18pt"><B>FORM 8-K</B>

<P align="center" style="font-size: 12pt"><B>CURRENT REPORT<BR>
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</B>

<P align="center" style="font-size: 10pt"><B>Date of Report (Date of earliest event reported): February 27, 2009</B>

<P align="center">

<P align="center" style="font-size: 24pt"><B>CITIZENS, INC.<BR></B>
<FONT style="font-size: 10pt">(Exact name of registrant as specified in its charter)
</FONT>

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    <TD width="32%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="32%">&nbsp;</TD>
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<TR valign="bottom">
    <TD style="border-bottom: 1px solid #000000"><B>COLORADO</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>0-16509</B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>84-0755371</B></TD>
</TR>
<TR valign="top">
    <TD>(State or other Jurisdiction of Incorporation)</TD>
    <TD>&nbsp;</TD>
    <TD>(Commission File Number)</TD>
    <TD>&nbsp;</TD>
    <TD>(IRS Employer Identification No.)</TD>
</TR>
</TABLE>

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    <TD width="49%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</TD>
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<TR valign="bottom">
    <TD style="border-bottom: 1px solid #000000"><B>400 East Anderson Lane<BR>Austin, Texas <BR></B></TD>
    <TD>&nbsp;</TD>
    <TD style="border-bottom: 1px solid #000000"><B>78752</B></TD>
</TR>
<TR valign="top">
    <TD>(Address of Principal Executive Offices)</TD>
    <TD>&nbsp;</TD>
    <TD>(Zip Code)</TD>
</TR>
</TABLE>

<P align="center" style="font-size: 10pt">Registrant&#146;s telephone number, including area code: <B>(512) 837-7100</B>


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    <TD nowrap style="border-bottom: 1px solid #000000"><B>Not Applicable<BR></B></TD>
</TR>
<TR>
    <TD nowrap>(Former name or former address if changed since last report.)</TD>
</TR>
</TABLE>

<P align="left" style="font-size: 10pt">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:

<P align="left" style="font-size: 10pt">
<FONT face="Wingdings">&#111;</FONT> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<BR><BR>
<FONT face="Wingdings">&#111;</FONT> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<BR>


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<P align="center" style="font-size: 10pt; display: none">1
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<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><U><B>TABLE OF CONTENTS</B></U>
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    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#101">Item&nbsp;8.01 Other Events</A></DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
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    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#102">Item&nbsp;9.01 Financial Statements and Exhibits</A></DIV></TD>
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    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
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    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#103">Signature</A></DIV></TD>
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    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
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    <TD><DIV style="margin-left:15px; text-indent:-15px"><A href="#104">Exhibit&nbsp;Index</A></DIV></TD>
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    <TD>&nbsp;</TD>
    <TD align="right">3</TD>
    <TD>&nbsp;</TD>
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<TR><TD colspan="9"><FONT size="2">&nbsp;<A HREF="c81961exv99w8.htm">Ex - 99.8 News Release issued by Citizens, Inc. on February 27, 2009</A></FONT></TD></TR>
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<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">SECTION 8 &#151; OTHER EVENTS
</DIV>

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<A name="101"></A>
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><B>Item&nbsp;8.01 Other Events.</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">On February&nbsp;27, 2009, Citizens, Inc. (&#147;Citizens&#148;) issued a news release (the &#147;Release&#148;) reporting,
among other things, that it completed its acquisition of Integrity Capital Corporation (&#147;Integrity
Capital&#148;) in exchange for shares of Citizens, Inc. Class&nbsp;A Common stock. Integrity Capital is the
parent of Integrity Capital Insurance Company, an Indiana life insurance company. The transaction
is valued at approximately $9.7&nbsp;million.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Citizens also announced it will release its fourth quarter 2008 earnings on Thursday, March&nbsp;12,
2009 and will hold a conference call to discuss its financial results at 10:00&nbsp;a.m. Central
Standard Time on Friday March&nbsp;13, 2009. A copy of the Release is included as Exhibit&nbsp;99.8 to this
Current Report on Form 8-K and incorporated herein by reference. Citizens intends to file its Form
10-K dated December&nbsp;31, 2008 by Monday, March&nbsp;16, 2009 with the U.S. Securities and Exchange
Commission, contingent upon the completion of the 2008 audit by Ernst &#038; Young, LLP.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">The information in this report is being furnished, not filed, for purposes of Section&nbsp;18 of the
Securities Exchange Act of 1934, as amended, and pursuant to Item&nbsp;2.02 of Form 8-K will not be
incorporated by reference into any filing under the Securities Act of 1933, as amended, unless
specifically identified therein as being incorporated therein by reference.
</DIV>
<DIV align="left">
<A name="102"></A>
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 10pt"><B>Item&nbsp;9.01 Financial Statements and Exhibits</B>
</DIV>


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    <TD width="3%" nowrap align="left">(d)</TD>
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    <TD><DIV style="text-align: justify">Exhibits:</DIV></TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.8
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">News Release issued by Citizens, Inc. on February&nbsp;27, 2009.</TD>
</TR>
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<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->1<!-- /Folio -->
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<DIV align="left">
<A name="103"></A>
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<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>SIGNATURE</B>
</DIV>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt; text-indent: 4%">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly
caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
</DIV>

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    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">CITIZENS, INC<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">                              /s/ Rick D. Riley
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Rick D. Riley, Vice Chairman and&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">President&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>


<DIV align="justify" style="font-size: 10pt; margin-top: 10pt">Date: February&nbsp;27, 2009
</DIV>
<P align="center" style="font-size: 10pt">&nbsp;

<P align="center" style="font-size: 10pt"><!-- Folio -->2<!-- /Folio -->
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<DIV align="left">
<A name="104"></A>
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<DIV align="center" style="font-size: 10pt; margin-top: 10pt"><B>EXHIBIT INDEX</B>
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<DIV align="center">
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    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Exhibit No.</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Description</B></TD>
</TR>


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<TR valign="bottom" style="padding-top: 1px">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.8
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">News Release issued by Citizens, Inc. on February&nbsp;27, 2009</TD>
</TR>
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Filed by Bowne Pure Compliance
Table of Contents
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): February 27, 2009
CITIZENS, INC.
(Exact name of registrant as specified in its charter)
COLORADO
0-16509
84-0755371
(State or other Jurisdiction of Incorporation)
(Commission File Number)
(IRS Employer Identification No.)
400 East Anderson Lane
Austin, Texas
78752
(Address of Principal Executive Offices)
(Zip Code)
Registrant's telephone number, including area code:
(512) 837-7100
Not Applicable
(Former name or former address if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions:
o
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
TABLE OF CONTENTS
Item 8.01 Other Events
1
Item 9.01 Financial Statements and Exhibits
1
Signature
2
Exhibit Index
3
Ex - 99.8 News Release issued by Citizens, Inc. on February 27, 2009
Table of Contents
SECTION 8 — OTHER EVENTS
Item 8.01 Other Events.
On February 27, 2009, Citizens, Inc. ("Citizens") issued a news release (the "Release") reporting,
among other things, that it completed its acquisition of Integrity Capital Corporation ("Integrity
Capital") in exchange for shares of Citizens, Inc. Class A Common stock. Integrity Capital is the
parent of Integrity Capital Insurance Company, an Indiana life insurance company. The transaction
is valued at approximately $9.7 million.
Citizens also announced it will release its fourth quarter 2008 earnings on Thursday, March 12,
2009 and will hold a conference call to discuss its financial results at 10:00 a.m. Central
Standard Time on Friday March 13, 2009. A copy of the Release is included as Exhibit 99.8 to this
Current Report on Form 8-K and incorporated herein by reference. Citizens intends to file its Form
10-K dated December 31, 2008 by Monday, March 16, 2009 with the U.S. Securities and Exchange
Commission, contingent upon the completion of the 2008 audit by Ernst & Young, LLP.
The information in this report is being furnished, not filed, for purposes of Section 18 of the
Securities Exchange Act of 1934, as amended, and pursuant to Item 2.02 of Form 8-K will not be
incorporated by reference into any filing under the Securities Act of 1933, as amended, unless
specifically identified therein as being incorporated therein by reference.
Item 9.01 Financial Statements and Exhibits
(d)
Exhibits:
99.8
News Release issued by Citizens, Inc. on February 27, 2009.
1
Table of Contents
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly
caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
CITIZENS, INC
By:
/s/ Rick D. Riley
Rick D. Riley, Vice Chairman and
President
Date: February 27, 2009
2
Table of Contents
EXHIBIT INDEX
Exhibit No.
Description
99.8
News Release issued by Citizens, Inc. on February 27, 2009
3