GUERRERO PAULA L (Chief Information Officer) exercised options at CITIZENS, INC.

Option exercise — a mechanical event triggered by vesting or expiry. Not a discretionary conviction trade.

M · 1 exercise

GUERRERO PAULA L

Filed: 8/18/2026ACC: 0002051485-26-000008

InsiderGUERRERO PAULA LCIK 2051485

→

IssuerCITIZENS, INC.CIK 24090

Officer· Chief Information Officer

Since Jan 2025

+136.07

Net shares

Net buyer

$3.2K

Total sold

Open market trades

0B · 0S

Total transactions

3.64K acquired · 3.50K disposed

Non-Derivative Transactions7

Citizens, Inc. Class A Common Stock

Direct

L · L

+183.60

Price / share

$5.42

Trade value

$995.13

% of position

1.1%

4/7/2026

17.36K→17.54K

Citizens, Inc. Class A Common Stock

Direct

L · L

+181.41

Price / share

$5.48

Trade value

$994.11

% of position

1.0%

5/5/2026

17.54K→17.72K

Citizens, Inc. Class A Common Stock

Direct

L · L

+190.05

Price / share

$5.23

Trade value

$993.96

% of position

1.1%

5/29/2026

17.72K→17.91K

Citizens, Inc. Class A Common Stock

Direct

L · L

+167.60

Price / share

$5.94

Trade value

$995.54

% of position

0.9%

7/2/2026

17.91K→18.08K

Citizens, Inc. Class A Common Stock

Direct

L · L

+209.41

Price / share

$4.75

Trade value

$994.70

% of position

1.2%

7/31/2026

18.08K→18.29K

Citizens, Inc. Class A Common Stock

Direct

M · Option Exercise

+2.71K

Price / share

—

Trade value

—

% of position

14.8%

8/15/2026

18.29K→21K

Citizens, Inc. Class A Common Stock

Direct

F · Tax Withholding

−796.00

Price / share

$3.97

Trade value

$3.16K

% of position

3.8%

8/15/2026

21K→20.20K

Total

Net shares

+2.85K

Net value

$1.81K

Security	Date	Type	Shares	Price / Share	Trade Value	% of Position	Held Before	Held After
Citizens, Inc. Class A Common Stock Direct	4/7/2026	L · L	+183.60	$5.42	$995.13	1.1%	17.36K	17.54K
Citizens, Inc. Class A Common Stock Direct	5/5/2026	L · L	+181.41	$5.48	$994.11	1.0%	17.54K	17.72K
Citizens, Inc. Class A Common Stock Direct	5/29/2026	L · L	+190.05	$5.23	$993.96	1.1%	17.72K	17.91K
Citizens, Inc. Class A Common Stock Direct	7/2/2026	L · L	+167.60	$5.94	$995.54	0.9%	17.91K	18.08K
Citizens, Inc. Class A Common Stock Direct	7/31/2026	L · L	+209.41	$4.75	$994.70	1.2%	18.08K	18.29K
Citizens, Inc. Class A Common Stock Direct	8/15/2026	M · Option Exercise	+2.71K	—	—	14.8%	18.29K	21K
Citizens, Inc. Class A Common Stock Direct	8/15/2026	F · Tax Withholding	−796.00	$3.97	$3.16K	3.8%	21K	20.20K
Total			+2.85K		$1.81K

Derivative Transactions1

Restricted Stock Units

Direct

M · Option Exercise

Converts to

Class A Common Stock

2.71K shares

−2.71K

Strike price

Held after

0.00

Exercisable

—

8/15/2026

Security	Converts To	Date	Type	Shares	Strike Price	Exercisable	Held After
Restricted Stock Units Direct	Class A Common Stock2.71K shares	8/15/2026	M · Option Exercise	−2.71K		—	0.00

Non-Derivative Holdings (Post-Transaction)0

No non-derivative holdings reported

Derivative Holdings (Post-Transaction)4

Restricted Stock Units

Direct

Underlying security

Class A Common Stock

Underlying shares

3.04K

Shares owned

3.04K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Class A Common Stock

Underlying shares

5.96K

Shares owned

5.96K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Class A Common Stock

Underlying shares

3.85K

Shares owned

3.85K

Exercise price

Expiration

—

Exercise window

—

Restricted Stock Units

Direct

Underlying security

Class A Common Stock

Underlying shares

4.40K

Shares owned

4.40K

Exercise price

Expiration

—

Exercise window

—

Total

Underlying

17.24K

Owned

17.24K

Security	Underlying	Exercise Window	Expiration	Underlying Shares	Shares Owned
Restricted Stock Units Direct	Class A Common Stock	—	—	3.04K	3.04K
Restricted Stock Units Direct	Class A Common Stock	—	—	5.96K	5.96K
Restricted Stock Units Direct	Class A Common Stock	—	—	3.85K	3.85K
Restricted Stock Units Direct	Class A Common Stock	—	—	4.40K	4.40K
Total				17.24K	17.24K