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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): October 23, 2008</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 width="32%">&nbsp;</TD>
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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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<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>
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    <TD width="49%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="49%">&nbsp;</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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<TR valign="top">
    <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 style="border-bottom: 1px solid #000000"><B>Not Applicable<BR></B></TD>
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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:

<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="justify" style="font-size: 10pt">SECTION 8 &#150; OTHER EVENTS


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


<P align="justify" style="font-size: 10pt">On October&nbsp;23, 2008, Citizens, Inc. (&#147;Citizens&#148;) issued a news release (the &#147;Release&#148;) reporting that it will release
its third quarter 2008 earnings on Thursday, November&nbsp;6, 2008, and it intends to file its Form 10-Q for the quarter
ended September&nbsp;30, 2008 on Monday, November&nbsp;10, 2008. Citizens also announced that it would hold a conference call to
discuss its financial results at 10:00&nbsp;a.m. Central Standard Time on Friday November&nbsp;7, 2008. 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.


<P align="justify" style="font-size: 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.


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


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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 width="3%" nowrap align="left">99.8</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><DIV style="text-align: justify">News Release issued by Citizens, Inc. on October&nbsp;23, 2008.</DIV></TD>
</TR>





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<P align="center" style="font-size: 10pt">&nbsp;
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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 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.

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    <TD colspan="3" valign="top" align="left">CITIZENS, INC</TD>
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<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
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&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">/s/ Rick D. Riley &nbsp;</TD>
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&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
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    <TD align="left" valign="top">&nbsp;</TD>
    <TD nowrap align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">
&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Rick D. Riley, Vice Chairman and President&nbsp;</TD>
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<P align="justify" style="font-size: 10pt">Date: October&nbsp;27, 2008&nbsp;

<P align="center" style="font-size: 10pt">3
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<P align="center" style="font-size: 10pt"><B>EXHIBIT INDEX</B>


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    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Exhibit&nbsp;No.</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Description</B></TD>
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<TR valign="bottom">
    <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 October&nbsp;23, 2008</TD>
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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": "081141512"}, "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"}}
Filed by Bowne Pure Compliance
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): October 23, 2008
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 8 – OTHER EVENTS
Item 8.01 Other Events.
On October 23, 2008, Citizens, Inc. ("Citizens") issued a news release (the "Release") reporting that it will release
its third quarter 2008 earnings on Thursday, November 6, 2008, and it intends to file its Form 10-Q for the quarter
ended September 30, 2008 on Monday, November 10, 2008. Citizens also announced that it would hold a conference call to
discuss its financial results at 10:00 a.m. Central Standard Time on Friday November 7, 2008. A copy of the Release is
included as Exhibit 99.8 to this Current Report on Form 8-K and incorporated herein by reference.
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 October 23, 2008.
2
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: October 27, 2008
3
EXHIBIT INDEX
Exhibit No.
Description
99.8
News Release issued by Citizens, Inc. on October 23, 2008