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Proc-Type: 2001,MIC-CLEAR
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<SEC-DOCUMENT>0001035704-05-000152.txt : 20050315
<SEC-HEADER>0001035704-05-000152.hdr.sgml : 20050315
<ACCEPTANCE-DATETIME>20050315155612
ACCESSION NUMBER:		0001035704-05-000152
CONFORMED SUBMISSION TYPE:	NT 10-K
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041231
FILED AS OF DATE:		20050315
DATE AS OF CHANGE:		20050315
EFFECTIVENESS DATE:		20050315

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS INC
		CENTRAL INDEX KEY:			0000024090
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				840755371
		STATE OF INCORPORATION:			CO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		NT 10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		05681719

	BUSINESS ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78752
		BUSINESS PHONE:		5128377100

	MAIL ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78752

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CONTINENTAL INVESTORS LIFE INC
		DATE OF NAME CHANGE:	19881222
</SEC-HEADER>
<DOCUMENT>
<TYPE>NT 10-K
<SEQUENCE>1
<FILENAME>d23464ntnt10vk.htm
<DESCRIPTION>NOTIFICATION OF 10-K LATE FILING
<TEXT>
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<TITLE>nt10vk</TITLE>
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<P align="center" style="font-size: 10pt">UNITED STATES<BR>
SECURITIES AND EXCHANGE COMMISION<BR>
WASHINGTON, D.C. 20549



<P align="center" style="font-size: 10pt"><B>FORM 12b-25</B>



<P align="center" style="font-size: 10pt"><B>NOTICE OF LATE FILING</B>



<P align="center" style="font-size: 10pt"><B>Form&nbsp;10-K</B><BR>
For the Year Ended: December&nbsp;31, 2004



<P align="left" style="font-size: 10pt"><B>PART I&#151;REGISTRANT INFORMATION</B>



<P align="left" style="font-size: 10pt">Full Name of Registrant: <B>CITIZENS, INC.</B>


<P align="left" style="font-size: 10pt">Former Name if Applicable: N/A


<P align="left" style="font-size: 10pt">Address of Principal Executive Office (Street and Number):

<P align="left" style="font-size: 10pt; margin-left: 3%">400 East Anderson Lane<BR>
Austin, Texas 78752


<P align="left" style="font-size: 10pt"><B>Part II&#151;Rules&nbsp;12b-25(b) and (c)</B>


<P align="left" style="font-size: 10pt">If the subject report could not be filed without unreasonable effort or expense and the registrant
seeks relief pursuant to Rule&nbsp;12b-25(b), the following should be completed. (Check box if
appropriate)


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    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(a)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The reasons described in reasonable detail in Part III of this form could not
be eliminated without unreasonable effort or expense;</TD>
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    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><FONT face="Wingdings">&#120;</FONT></DIV></TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(b)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The subject annual report or semi-annual report/portion thereof will be filed
on or before the fifteenth calendar day following the prescribed due date; or the
subject quarterly report/portion thereof will be filed on or before the fifth calendar
day following the prescribed due date; and</TD>
</TR>
<TR valign="bottom">
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</DIV></TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">(c)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">the accountant&#146;s statement or other exhibit required by Rule&nbsp;12b-25(c) has been
attached if applicable.</TD>
</TR>
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<p>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>


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

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<P align="left" style="font-size: 10pt"><B>PART III&#151;NARRATIVE</B>


<P align="left" style="font-size: 10pt">The Registrant is unable to file its Annual Report on Form 10-K within the prescribed time period
because the Company is still completing the preparation of the information to be included
throughout the Form&nbsp;10-K.



<P align="left" style="font-size: 10pt"><B>PART IV&#151;OTHER INFORMATION</B>


<P align="left" style="font-size: 10pt">(1)&nbsp;Name and telephone number of person to contact in regard to this notification:


<P align="left" style="font-size: 10pt; margin-left: 3%">Mark A. Oliver, President<BR>
Citizens, Inc.<BR>
Phone: (512)&nbsp;837-7100

<P align="left" style="font-size: 10pt">(2)&nbsp;Have all other period reports required under section 13 or 15(d) of the Securities Exchange Act
of 1934 or section 30 of the Investment Company Act of 1940 during the preceding 12&nbsp;months or for
such shorter period that the registrant was required to file such report(s) been filed? If the
answer is no, identify report(s).



<P align="right" style="font-size: 10pt">Yes <FONT face="Wingdings">&#120;</FONT>&nbsp;&nbsp;&nbsp;No <FONT face="Wingdings">&#111;</FONT>


<P align="left" style="font-size: 10pt">(3)&nbsp;Is it anticipated that any significant change in results of operations from the corresponding
period for the last fiscal year will be reflected by the earnings statements to be included in the
subject report or portion thereof?



<P align="right" style="font-size: 10pt">Yes <FONT face="Wingdings">&#120;</FONT>&nbsp;&nbsp;&nbsp;No <FONT face="Wingdings">&#111;</FONT>



<P align="left" style="font-size: 10pt">The Registrant expects the net income will increase significantly over the prior year&#146;s income and
earnings per share (basic and diluted) will increase significantly as well. The Registrant expects
that these increases will be in the range of twice as much as the results for 2003.


<P align="center" style="font-size: 10pt"><HR size="1" noshade>



<P align="center" style="font-size: 10pt"><U><B>CITIZENS, INC.</B></U>


<DIV align="center" style="font-size: 10pt">(Name of Registrant as Specified in Charter)</DIV>


<P align="left" style="font-size: 10pt">Has caused this notification to be signed on its behalf by the undersigned duly authorized.



<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
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    <TD width="48%">&nbsp;</TD>
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    <TD colspan="3" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">Date: March 15, 2005&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ Mark A. Oliver
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Mark A. Oliver, President&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
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</TR>
</TABLE>


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

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