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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): March 23, 2009</B>

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<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)
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    <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>
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    <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>
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    <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>
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    <TD>(Address of Principal Executive Offices)</TD>
    <TD>&nbsp;</TD>
    <TD>(Zip Code)</TD>
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<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>(Former name or former address if changed since last report.)</TD>
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<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:

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<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="justify" style="font-size: 10pt"><B>SECTION 5 &#151; CORPORATE GOVERNANCE AND MANAGEMENT</B>


<P align="justify" style="font-size: 10pt"><B>Item&nbsp;5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers;
Compensatory Arrangements of Certain Officers</B>


<P align="justify" style="font-size: 10pt">On March&nbsp;23, 2009, Citizens, Inc. (&#147;Citizens&#148;) appointed Kay E. Osbourn, age 42, as its Vice President, Treasurer and
Chief Financial Officer. Ms.&nbsp;Osbourn succeeded Thomas F. Kopetic, who currently remains with Citizens. Ms.&nbsp;Osbourn
joined Citizens as Vice President, Internal Audit in 2008. Prior to that Ms.&nbsp;Osbourn served as Vice President,
Assistant Treasurer and Controller for National Western Life Insurance Company from 1992 to 2008.


<P align="justify" style="font-size: 10pt">Citizens does not have a material employment agreement with Ms.&nbsp;Osbourn.


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<P align="center" style="font-size: 10pt"><B>SIGNATURE</B>



<P align="justify" style="font-size: 10pt; text-indent: 4%">Pursuant to the requirement 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.

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    <TD colspan="3" valign="top" align="left">CITIZENS, INC</TD>
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    <TD align="left" valign="top">By:&nbsp;&nbsp;
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    <TD align="left" valign="top">/s/ Rick D. Riley &nbsp;</TD>
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    <TD align="left" valign="top">Rick D. Riley, Vice Chairman and President&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Date: March&nbsp;23, 2009&nbsp;
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{"company-data": {"conformed-name": "CITIZENS INC", "cik": "0000024090", "assigned-sic": "6311", "irs-number": "840755371", "state-of-incorporation": "CO", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-16509", "film-number": "09699401"}, "business-address": {"street1": "400 EAST ANDERSON LANE", "city": "AUSTIN", "state": "TX", "zip": "78752", "phone": "5128377100"}, "mail-address": {"street1": "400 EAST ANDERSON LANE", "city": "AUSTIN", "state": "TX", "zip": "78752"}, "former-company": {"former-conformed-name": "CONTINENTAL INVESTORS LIFE INC", "date-changed": "19881222"}}
Form 8-K
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): March 23, 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))
SECTION 5 — CORPORATE GOVERNANCE AND MANAGEMENT
Item 5.02 Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers;
Compensatory Arrangements of Certain Officers
On March 23, 2009, Citizens, Inc. ("Citizens") appointed Kay E. Osbourn, age 42, as its Vice President, Treasurer and
Chief Financial Officer. Ms. Osbourn succeeded Thomas F. Kopetic, who currently remains with Citizens. Ms. Osbourn
joined Citizens as Vice President, Internal Audit in 2008. Prior to that Ms. Osbourn served as Vice President,
Assistant Treasurer and Controller for National Western Life Insurance Company from 1992 to 2008.
Citizens does not have a material employment agreement with Ms. Osbourn.
1
SIGNATURE
Pursuant to the requirement 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: March 23, 2009
2