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<SEC-DOCUMENT>0001035704-07-000346.txt : 20070504
<SEC-HEADER>0001035704-07-000346.hdr.sgml : 20070504
<ACCEPTANCE-DATETIME>20070504115920
ACCESSION NUMBER:		0001035704-07-000346
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		11
CONFORMED PERIOD OF REPORT:	20070605
FILED AS OF DATE:		20070504
DATE AS OF CHANGE:		20070504
EFFECTIVENESS DATE:		20070504

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:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		07818829

	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>DEF 14A
<SEQUENCE>1
<FILENAME>d46282def14a.htm
<DESCRIPTION>DEFINITIVE PROXY STATEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>def14a</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES
SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>WASHINGTON, D.C. 20549</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 1pt"><B>SCHEDULE 14A INFORMATION</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 1pt"><B>Proxy Statement Pursuant to Section&nbsp;14(a) of the Securities Exchange Act of 1934</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Filed by the Registrant <FONT face="Wingdings">&#254;</FONT><BR>
Filed by a Party other than the Registrant <FONT face="Wingdings">&#111;</FONT><BR>
Check the appropriate box:<BR>
<FONT face="Wingdings">&#111;</FONT> Preliminary Proxy Statement<BR>
<FONT face="Wingdings">&#111;</FONT> Confidential, for Use of the Commission Only (as permitted by Rule&nbsp;14a-6(e)(2)<BR>
<FONT face="Wingdings">&#254;</FONT> Definitive Proxy Statement<BR>
<FONT face="Wingdings">&#111;</FONT> Definitive Additional Materials<BR>
<FONT face="Wingdings">&#111;</FONT> Soliciting Material Pursuant to &#167;240.14a-11(c) or &#167;240.14a-12

</DIV>
<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B><FONT style="border-bottom: 1px solid #000000">CITIZENS, INC.</FONT></B>
</DIV>

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



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Payment of Filing Fee (Check the appropriate box):<BR>
<FONT face="Wingdings">&#254;</FONT> No fee required.<BR>
<FONT face="Wingdings">&#111;</FONT> Fee computed on table below per Exchange Act Rules&nbsp;14a-6(i)(1) and 0-11.

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1) Title of each class of securities to which transaction applies:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 12pt"><DIV align="left"><DIV style="font-size: 3pt; margin-top: 16pt; width: 53%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2) Aggregate number of securities to which transaction applies:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 12pt"><DIV align="left"><DIV style="font-size: 3pt; margin-top: 16pt; width: 53%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3) Per unit price or other underlying value or transaction computed pursuant to Exchange Act
Rule&nbsp;0-11 (set forth the amount on which the filing fee is calculated and state how it was
determined):
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 12pt"><DIV align="left"><DIV style="font-size: 3pt; margin-top: 16pt; width: 53%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4) Proposed maximum aggregate value of transaction:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 12pt"><DIV align="left"><DIV style="font-size: 3pt; margin-top: 16pt; width: 53%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5) Total fee paid:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-left: 12pt"><DIV align="left"><DIV style="font-size: 3pt; margin-top: 16pt; width: 53%; border-top: 1px solid #000000">&nbsp;</DIV></DIV>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><FONT face="Wingdings">&#111;</FONT> Fee paid previously with preliminary materials.
</DIV>

<DIV align="left" style="font-size: 10pt"><FONT face="Wingdings">&#111;</FONT> Check box if any part of the fee is offset as provided by Exchange Act Rule&nbsp;0-11(a)(2) and
identify the filing for which the offsetting fee was paid previously. Identify the previous filing
by registration statement number, or the Form or Schedule and the date of its filing.</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
    <TD width="9%">&nbsp;</TD>
    <TD width="52%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1</TD>
    <TD nowrap valign="top">)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amount Previously Paid:</TD>
    <TD>&nbsp;</TD>
 <TD align="left" valign="top" style="border-bottom: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2</TD>
    <TD nowrap valign="top">)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form, Schedule or</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" nowrap>Registration Statement No.:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-bottom: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">3</TD>
    <TD nowrap valign="top">)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Filing Party:</TD>
    <TD>&nbsp;</TD>
 <TD align="left" valign="top" style="border-bottom: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">4</TD>
    <TD nowrap valign="top">)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Date Filed:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


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

<!-- PAGEBREAK -->
<P><HR noshade><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">SOLICITATION OF PROXIES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">PROXIES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">RECORD DATE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">QUORUM AND VOTING</A></TD></TR>
<TR><TD colspan="9"><A HREF="#004">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</A></TD></TR>
<TR><TD colspan="9"><A HREF="#005">CONTROL OF THE COMPANY</A></TD></TR>
<TR><TD colspan="9"><A HREF="#006">PROPOSAL NO. 1 ELECTION OF DIRECTORS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#007">MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#008">EXECUTIVE COMPENSATION</A></TD></TR>
<TR><TD colspan="9"><A HREF="#009">CERTAIN REPORTS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#010">EXECUTIVE OFFICERS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#011">EXECUTIVE OFFICER AND DIRECTOR COMPENSATION</A></TD></TR>
<TR><TD colspan="9"><A HREF="#012">SUMMARY COMPENSATION TABLE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#013">COMPENSATION COMMITTEE REPORT</A></TD></TR>
<TR><TD colspan="9"><A HREF="#014">CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#015">PRINCIPAL ACCOUNTANT FEES AND SERVICES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#016">RATIFICATION OF APPOINTMENT OF OUR REGISTERED INDEPENDENT PUBLIC ACCOUNTING FIRM</A></TD></TR>
<TR><TD colspan="9"><A HREF="#017">AUDIT COMMITTEE REPORT</A></TD></TR>
<TR><TD colspan="9"><A HREF="#018">AUDIT COMMITTEE</A></TD></TR>
<TR><TD colspan="9"><A HREF="#019">OTHER BUSINESS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#020">ANNUAL REPORT AND OTHER MATERIAL</A></TD></TR>
<TR><TD colspan="9"><A HREF="#021">ELECTRONIC DELIVERY OF PROXY MATERIALS AND ANNUAL REPORT</A></TD></TR>
<TR><TD colspan="9"><A HREF="#022">SHAREHOLDER PROPOSALS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#023">CORPORATE GOVERNANCE INFORMATION AVAILABILITY</A></TD></TR>
<TR><TD colspan="9"><A HREF="#024">SHAREHOLDER COMMUNICATIONS WITH THE BOARD OF DIRECTORS</A></TD></TR>
</TABLE>
</CENTER>
<!-- /TOC -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>





<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><IMG src="d46282d4628200.gif" alt="(CITIZEN INC. LOGO)">
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>NOTICE OF ANNUAL MEETING OF SHAREHOLDERS<BR>
OF CITIZENS, INC.</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Executive Offices: 400 East Anderson Lane, Austin, Texas 78752</B>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>To the Shareholders of Citizens, Inc.:</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Notice is hereby given that the Annual Meeting of Shareholders of Citizens, Inc. will be held
Tuesday, June&nbsp;5, 2007, at 10:00&nbsp;a.m., Central Daylight Time, at <B>Citizens Academy, 18617 East
Highway 29, Buchanan Dam, Texas 78609</B>, for the following purposes:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To elect the nine (9)&nbsp;members of the Board of Directors of the Company to serve until
the next annual meeting of shareholders or until their successors are duly elected and
qualified;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To ratify the appointment of Ernst &#038; Young LLP as the Company&#146;s registered independent
public accounting firm for 2007; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To transact such other business as may properly come before the meeting or any
adjournment thereof.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">It is important, regardless of the number of shares you hold, that your stock be represented at
the meeting by a signed proxy card or personal attendance.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Shareholders are cordially invited to attend the meeting in person. Please complete and sign the
enclosed proxy card and mail it promptly to the transfer agent in the envelope provided. No
postage is required. Internet and telephone voting are also available through 1:00 a.m. Central
Time the day prior to the annual meeting day. If you vote your proxy by Internet or by telephone,
you do not need to mail back your proxy card. If you attend the meeting you may revoke your proxy
and vote in person. </B>IF YOUR SHARES ARE HELD IN STREET OR NOMINEE NAME, PLEASE RESPOND TO THE
RECORD HOLDER&#146;S COMMUNICATION WITH YOU AS SOON AS POSSIBLE SO THAT YOUR SHARES CAN BE REPRESENTED
AT THE MEETING.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>By Order of the Board of Directors</B>
</DIV>


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" style="border-bottom: 1px solid #000000" align="left">                                    <B>/s/ Geoffrey M. Kolander</B>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left"><B>April 30, 2007</B>&nbsp;</TD>
    <TD colspan="3" align="left"><B>Secretary</B>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD colspan="3" align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>

</TABLE>

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

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>

</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CITIZENS, INC.<BR>
400 East Anderson Lane<BR>
Austin, Texas 78752<BR>
April&nbsp;30, 2007</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>PROXY STATEMENT FOR THE ANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON JUNE 5, 2007</B>

</DIV>
<!-- link1 "SOLICITATION OF PROXIES" -->
<DIV align="left"><A NAME="000"></A></DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>SOLICITATION OF PROXIES</B>

</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">This Proxy Statement is furnished in connection with the solicitation of proxies by and on behalf
of the Board of Directors of Citizens, Inc., for use at the Annual Meeting of Shareholders to be
held Tuesday, June&nbsp;5, 2007, at 10:00&nbsp;a.m., Central Daylight Time, (the &#147;Meeting&#148;) at <B>Citizens
Academy, 18617 East Highway 29, Buchanan Dam, Texas 78609. You will find a map with directions to
the meeting on the outside back cover of the Proxy Statement</B>. This Proxy Statement and the
enclosed proxy card were sent to our shareholders on or about April&nbsp;<BR>
30, 2007.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following matters will be acted on at our Meeting:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>Elect the nine (9)&nbsp;members of our Board of Directors;</B></TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>Ratify the appointment of Ernst &#038; Young LLP as our registered independent public
accounting firm for 2007; and</B></TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>Transact such other business as may properly come before the Meeting or any adjournment
thereof.</B></TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">You are requested to complete the enclosed proxy card, sign where indicated, and return it to our
transfer agent in the envelope provided, which requires no postage if mailed in the United States.
Solicitation of proxies will be primarily through the mail. Proxies may also be solicited by
personal solicitation, telephone or Internet, by our directors, officers and employees at no
additional cost to us. We will also request banking institutions, brokerage firms, custodians,
trustees, nominees and fiduciaries to forward soliciting material to the beneficial owners of our
common stock held of record by such persons, firms, or institutions, and we will reimburse the
forwarding expense. The cost of this solicitation will be borne by us.
</DIV>
<!-- link1 "PROXIES" -->
<DIV align="left"><A NAME="001"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PROXIES</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Shares represented by properly executed proxies received by us prior to the Meeting will be voted
as specified thereon. If a proxy fails to specify how it is to be voted on any proposal it will
be voted <B>FOR </B>the director nominees listed in this proxy statement and <B>FOR </B>the proposal to ratify
the appointment of Ernst &#038; Young LLP. If other matters come before the Meeting, the persons named
on the accompanying proxy will vote in accordance with their best judgment with respect to such
matters. A person giving a proxy shall have the power to revoke it at any time before it is voted
by notifying our Secretary in writing or by personally withdrawing such proxy at the Meeting.
With regard to election of directors, votes may be cast in favor or withheld; votes that are
withheld will be excluded entirely from the vote and will
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->1<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">have no effect. Brokers who have not
received instructions from their customers in uncontested elections may vote in the election of
directors shares held in street name.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Shareholders may vote using any of the following methods:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>1.</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>BY MAIL</B>: Mark, sign and date your proxy card and return it in the postage-paid
envelope provided. The named proxies will vote your stock according to your
directions. If you submit a signed proxy card without indicating your vote, the person
voting the proxy will vote your stock in favor of the proposals.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>2.</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>BY TELEPHONE</B>: Call toll free (800)&nbsp;652-VOTE (8683).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Use any touch-tone telephone to vote your proxy 24 hours a day, 7&nbsp;days a
week, until 1:00 a.m. Central time on June&nbsp;5, 2007.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Please have your proxy card and the last four digits of your Social Security
Number or Tax Identification Number available. Follow the simple instructions
the voice provides you.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>3.</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD><B>BY INTERNET</B>: http://www.investorvote.com</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Use the internet to vote your proxy 24 hours a day, 7&nbsp;days a week, until
1:00 a.m. Central time on June&nbsp;5, 2007.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Please have your proxy card and the last four digits of your Social Security
Number or Tax Identification Number available. Follow the simple instructions
to obtain your records and create an electronic ballot.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">A shareholder may revoke his or her proxy at any time before it is exercised by:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>giving written notice of revocation no later than the commencement of the
meeting to our Secretary, Geoffrey M. Kolander:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If before commencement of the meeting on the date of the meeting, by
personal delivery to Mr.&nbsp;Kolander at the meeting site; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If delivered before the date of the meeting, to Mr.&nbsp;Kolander at Citizens&#146;
offices, 400 East Anderson Lane, Austin, Texas 78752;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>delivering no later than the commencement of the meeting a properly executed,
later-dated proxy; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>voting in person at the meeting.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Voting by proxy will in no way limit your right to vote at the meeting if you later decide to
attend in person. If your stock is held in the name of a bank, broker or other holder of record,
you must obtain a proxy, executed in your favor, to be able to vote at the meeting. If no
direction is given and the proxy is validly executed, the stock represented by the proxy will be
voted in favor of the proposals. The persons
authorized under the proxies will vote upon any other business that may
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->2<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">properly come before the
meeting according to their best judgment to the same extent as the person delivering the proxy
would be entitled to vote. Other than the approval of the matters above, we do not anticipate that
any other matters will be raised at the meeting.
</DIV>
<!-- link1 "RECORD DATE" -->
<DIV align="left"><A NAME="002"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>RECORD DATE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Only shareholders of record at the close of business on April&nbsp;16, 2007 are entitled to vote at the
Meeting. As of the record date, we had outstanding and entitled to vote 40,312,892 Class&nbsp;A shares
of common stock and 1,001,714 Class&nbsp;B shares of common stock. Also outstanding as of the record
date, were 29,014 shares of Series&nbsp;A Preferred Stock, entitled to vote based on the number of
shares of Class&nbsp;A common stock into which such shares of Series&nbsp;A Preferred Stock are convertible
as of the record date (or 2,525,300 shares of Class&nbsp;A common stock).
</DIV>
<!-- link1 "QUORUM AND VOTING" -->
<DIV align="left"><A NAME="003"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>QUORUM AND VOTING</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The presence, in person or by proxy, of the holders of a majority of the outstanding shares of
each class of our common stock entitled to vote at the Meeting, including, for the purposes of the
Class&nbsp;A common stock vote, the presence, in person or by proxy, of holders of Series&nbsp;A Preferred
Stock voting on the basis of the number of shares of Class&nbsp;A common stock into which such shares
of Series&nbsp;A Preferred Stock are convertible as of the record date, is necessary to constitute a
quorum for that particular class of common stock at the Meeting. Abstentions and broker non-votes
are counted for purposes of determining the presence or absence of a quorum for the transaction of
business. If a quorum is not present or represented at the Meeting, the shareholders entitled to
vote thereat, present in person or represented by proxy, have the power to adjourn or recess the
Meeting from time to time for up to thirty (30)&nbsp;days without notice, other than announcement at
the Meeting, until a quorum is present or represented. At such reconvened Meeting at which a
quorum is present or represented, any business may be transacted which might have been transacted
at the Meeting as originally noticed.
</DIV>
<!-- link1 "SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT" -->
<DIV align="left"><A NAME="004"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
MANAGEMENT</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We have two classes of common stock. Both classes of common stock are equal in all respects,
except that (i)&nbsp;Class&nbsp;B common shareholders elect a simple majority of our Board of Directors and
Class&nbsp;A common shareholders elect the remaining directors; and (ii)&nbsp;Class&nbsp;A shareholders are
entitled to receive, on a per-share basis, twice the cash dividends paid on a per-share basis to
Class&nbsp;B shareholders. Each outstanding share of common stock has one vote in all matters to be
considered at the Meeting. In the election of directors, the nominees receiving the highest
number of votes cast in their favor will be elected to our board, subject to the right of the
Class&nbsp;B shareholders to elect a simple majority of the directors.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">As of the record date, there were 29,014 shares of Series&nbsp;A Preferred Stock outstanding, entitled
to vote based on the number of shares of Class&nbsp;A common stock into which such shares of Series&nbsp;A
Preferred Stock are convertible as of the record date (or 2,525,300 shares of Class&nbsp;A common
stock).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Management knows of no matters to be submitted at the Meeting with respect to which the
shareholders are entitled to vote, other than the proposals described in this proxy statement. In
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->3<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">the event other matters properly come before the Meeting, the persons named in the proxy will vote
according to their best judgment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following table shows, as of April&nbsp;16, 2007, certain information with regard to the beneficial
ownership of our common stock:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>by each of our executive officers and director nominees,</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>by all of our executive officers and director nominees as a group, and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>by each person or group who is known by us to own beneficially more than 5% of our
outstanding common stock.</TD>
</TR>

</TABLE>
</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="76%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Shares Owned and</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Percent of</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Name and Address</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Nature of Ownership </B>(1)</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Class</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Harold E. Riley</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">4,269,623  Class A<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">10.6</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:30px; text-indent:-15px">400 E. Anderson Lane</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" nowrap valign="top" align="right">1,001,714  Class B<SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">100.0</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:30px; text-indent:-15px">Austin, TX 78752</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Rick D. Riley<BR>
400 E. Anderson Lane <BR>
Austin, TX 78752</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">874,468 Class A<SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2.2</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Ray A. Riley<BR>
400 E. Anderson Lane <BR>
Austin, TX 78752</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" nowrap valign="top" align="right">532,688 Class A<SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1.3</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Timothy T. Timmerman<BR>
4903 Whitethorn Court <BR>

Austin, TX 78746</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" nowrap valign="top" align="right">9,088 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Steven F. Shelton<BR>
7359 Road X<BR>
Lamar, CO 81052</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">3,039 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Mark A. Oliver<BR>
400 E. Anderson Lane<BR>
Austin, TX 78752</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">22,181 Class A<SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Larry E. Carson<BR>
400 E. Anderson Lane<BR>
Austin, TX 78752</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">717 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Dr.&nbsp;E. Dean Gage<BR>
Texas A&#038;M University<BR>
College of Veterinary
Medicine<BR>
College Station, TX 77843</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">1,661 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->4<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="76%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Shares Owned and</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Percent of</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000"><B>Name and Address</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Nature of Ownership </B>(1)</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Class</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Dr.&nbsp;Richard C. Scott<BR>
4638 Baylor Camp Rd.<BR>
Crawford, TX 76638</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">3,447 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Grant G. Teaff<BR>
8265 Forest Ridge<BR>
Waco, TX 76712</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">5,501 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Dr.&nbsp;Robert B. Sloan, Jr.<BR>
7706 Fondren Road<BR>
Houston, TX 77074</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">-0- Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:15px; text-indent:-15px">All executive officers</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">5,722,413 Class A</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">14.2</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">and directors as</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" nowrap valign="top" align="right">1,001,714 Class B</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">100.0</TD>
    <TD nowrap valign="top">%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:30px; text-indent:-15px">a group (11 persons)</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD nowrap><DIV style="margin-left:0px; text-indent:0px">Gala
Management Services, Inc. (as trustee of four non-U.S. trusts and/or record holder)
<br>Ave. Federico Boyd y Calle 51 Este #18
<br>Edificio Scotia Plaza, Piso 10
<br>Panama City, Panama
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right">13,477,914 Class A</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top"><SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></TD>
</TR>
<TR valign="bottom">
    <TD nowrap><DIV style="margin-left:0px; text-indent:0px">Dimensional Fund Advisors
<BR>
1299 Ocean Avenue
<BR>
Santa Monica, CA 90401</DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="right" nowrap>2,101,185 Class A<SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP> </TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">5.2</TD>
    <TD nowrap valign="top">%</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>





<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>Except as otherwise indicated, each person named in the table has sole
voting and investment power with respect to all shares beneficially owned, subject to
applicable community property law.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>Owns 3,867,519 Class&nbsp;A shares directly and his spouse owns 402,104 Class&nbsp;A
shares. The Harold E. Riley Trust, of which Mr.&nbsp;Riley is the controlling Trustee, owns
all of the 1,001,714 issued and outstanding shares of Class&nbsp;B common stock.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>Owns 498,817 Class&nbsp;A shares directly, 15,774 Class&nbsp;A shares as joint tenant with
spouse, and 359,877 Class&nbsp;A shares indirectly as trustee for minor children.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>Owns 308,500 Class&nbsp;A shares directly, 21,997 Class&nbsp;A shares as joint tenant with
spouse, and 202,191 Class&nbsp;A shares indirectly as custodian for spouse and minor children.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>Includes 2,437 shares pledged as security to a third party lender.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>Less than one percent (1%).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD>This number and the information in this footnote was obtained from an amended
Schedule&nbsp;13D filed with the SEC on or about March&nbsp;20, 2007. Galindo, Arias &#038; Lopez is a
Panamanian law firm which is the 100% owner of two trust companies, Gala Management
Services, Inc. (&#147;Gala&#148;) and Regal Trust (BVI)&nbsp;Ltd. (&#147;Regal&#148;). The principal business of
each of these companies is to act as trustee for two trusts each. The beneficiaries of
these trusts are (i)&nbsp;non-U.S. policyholders of a Company insurance subsidiary, CICA
Insurance Company of America (&#147;CICA&#148;), who, since 1987, have assigned their life insurance
policy dividends, paid and payable by CICA, to two trusts administered by Gala and Regal
(one trust each), and (ii)&nbsp;non-U.S. insurance sales associates of CICA who, since 1987,
have assigned various life
insurance policy sales commissions paid and payable to them to two trusts administered by
Gala and Regal (one trust each). The purpose of each trust is to accumulate our Class&nbsp;A
common stock for its beneficiaries. In order to join a trust,</TD>
</TR>

</TABLE>


<P align="center" style="font-size: 10pt"><!-- Folio -->5<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">





<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>a policyholder or sales
associate must certify that he or she is neither a citizen nor a resident of the United
States. No beneficiary has power to direct a purchase or sale of the Class&nbsp;A common stock
held by a trust so long as such beneficiary has not liquidated such beneficiary&#146;s
participation in such trust.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>The reporting persons named below may be deemed to be a group as defined in Rule
13d-5(b) under the Securities Exchange Act of 1934 and, as such a group, may be deemed
to beneficially own an aggregate of 13,477,914 shares of Class&nbsp;A common stock (33.4% of
the outstanding Class&nbsp;A common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>GAMASE Insured Trust holds 7,777,127 shares of the Class&nbsp;A common stock and may be
deemed to beneficially own such shares pursuant to Rule&nbsp;13d-3 (19.0% of the outstanding
Class&nbsp;A common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Regal Policyholders Trust holds 4,786,670 shares of the Class&nbsp;A common stock and may be
deemed to beneficially own such shares pursuant to Rule&nbsp;13d-3 (12.0% of the outstanding
Class&nbsp;A common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>GAMASE Agents Trust holds 354,936 shares of the Class&nbsp;A common stock and may be deemed
to beneficially own such shares pursuant to Rule&nbsp;13d-3 (1.0% of the outstanding Class&nbsp;A
common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Regal Associates Trust holds 559,181 shares of the Class&nbsp;A common stock and may be
deemed to beneficially own such shares pursuant to Rule&nbsp;13d-3 (1.0% of the outstanding
Class&nbsp;A common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Gala is the sole trustee of GAMASE Insureds Trust and GAMASE Agents Trust, and therefore
may be deemed to beneficially own 8,132,063 shares of the Class&nbsp;A common stock (20.0% of
the outstanding Class&nbsp;A common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Regal is the sole trustee of Regal Policyholders Trust and Regal Associates Trust, and
therefore may be deemed to beneficially own 5,345,851 shares of the Class&nbsp;A common stock
pursuant to Rule&nbsp;13d-3 (13.0% of the outstanding Class&nbsp;A Common Stock as of the record
date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Galindo, Arias &#038; Lopez owns a 100% interest in each of the Gala Management and Regal,
and therefore may be deemed to beneficially own 13,477,914 shares of the Class&nbsp;A common
stock (33.0% of the outstanding Class&nbsp;A common stock as of the record date).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>No reporting person has either sole or shared power to direct the vote with respect to
any shares of Class&nbsp;A common stock.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left"><SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP></TD>
    <TD>&nbsp;</TD>
    <TD> This number and the information in this footnote was obtained from a Schedule
13D filed with the SEC on or about February&nbsp;1, 2007, by Dimensional Fund Advisors LP,
reporting sole power to vote or direct the vote over 2,101,185 shares and sole power to
dispose or direct the disposition of 2,101,185 shares.</TD>
</TR>

</TABLE>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">None of the above named persons owns any of our Series&nbsp;A Preferred Stock. We are not aware
of any arrangement, including any pledge by any person, of our common stock, the operation of
which may at a subsequent date result in a change of control of our Company.
</DIV>
<!-- link1 "CONTROL OF THE COMPANY" -->
<DIV align="left"><A NAME="005"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CONTROL OF THE COMPANY</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Harold E. Riley is deemed to be the &#147;controlling shareholder&#148; of our Company. Mr.&nbsp;Riley owns,
directly and indirectly, 4,269,623 shares (10.6%) of the outstanding Class&nbsp;A common stock and
1,001,714 shares (100%) of the Class&nbsp;B common stock, which stock elects a majority of our Board of
Directors.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->6<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "PROPOSAL NO. 1 ELECTION OF DIRECTORS" -->
<DIV align="left"><A NAME="006"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PROPOSAL NO. 1</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>ELECTION OF DIRECTORS</B>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Harold E. Riley has advised us that he intends to vote all of his Class&nbsp;A shares in favor of the
Class&nbsp;A nominees and all of the Class&nbsp;B shares owned by the Harold E. Riley Trust in favor of the
Class&nbsp;B nominees. Class&nbsp;A nominees receiving the highest number of votes cast in their favor will
be elected to the Board of Directors. Cumulative voting in the election of directors is not
permitted. The Class&nbsp;B nominees will be elected as directors upon the affirmative vote of the
Class&nbsp;B shares by Harold E. Riley as controlling trustee of the Harold E. Riley Trust. If for any
reason any nominee herein named is not a candidate when the election takes place (which is not
expected), the proxy will be voted for the election of a substitute nominee at the discretion of
the persons named in the proxy.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Listed below are the persons who have been nominated for election as our directors to serve for
one year until the next annual meeting of shareholders, or until their respective successors are
duly elected and qualified. Class&nbsp;A shareholders will vote on the nominees indicated below for
election by Class&nbsp;A shareholders, and Class&nbsp;B shareholders will vote on the Class&nbsp;B nominees.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Nominees for Election by Class&nbsp;A Shareholders</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Principal</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Director</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Age</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Occupation</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Since</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dr. E. Dean Gage
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">64</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Director and Bridges
Chair, Center for Executive
Leadership, Veterinary Medical
Education
Texas A&#038;M University
College Station, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2000</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Steven F. Shelton
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">51</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Farmer/Rancher
Principal owner of Prairie
Wind Energy
Lamar, CO
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1993</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Timothy T. Timmerman
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">46</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President
Commerce Properties of Texas
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1989</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dr. Robert B. Sloan
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">58</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President and Chief
Executive Officer
Houston Baptist
University
Houston, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top"><B>&#151;</B></TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->7<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>Nominees for Election by Class&nbsp;B Shareholders</B>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center"><B>Principal</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Director</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Age</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Occupation</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Since</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Mark A. Oliver
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">48</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President of the Company
Austin, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1997</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Harold E. Riley**
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">78</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Chairman of the Board
of the Company
Austin, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1987</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Rick D. Riley **
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">53</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice Chairman of the Company;
Chairman of the Board,
President and CEO of CICA Life
Insurance Company of America
and subsidiaries
Austin, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">1989</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Dr. Richard C. Scott
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">72</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Former Vice President,
Development,
Baylor University
Waco, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2000</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Grant G. Teaff
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">73</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Director, American
Football Coaches Association
Waco, TX
</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">2004</TD>
    <TD nowrap valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">**</TD>
    <TD>&nbsp;</TD>
    <TD>Harold E. Riley is the father of Rick D. Riley, Ray A. Riley, our Executive Vice
President, Chief Marketing Officer, and Randall Riley, Vice President, Latin American
Division of our primary insurance subsidiary, CICA Life Insurance Company of America.
There are no other family relationships between or among the nominees to our Board and
our executive officers.</TD>
</TR>

</TABLE>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Information concerning the nominees is set forth below:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Dr.&nbsp;E. Dean Gage</U>, Executive Director and Bridges Chair, Center for Executive Leadership,
Veterinary Medical Education, Texas A&#038;M University, College Station, Texas, 2004 to present;
Associate Dean of Professional Programs, College of Veterinary Medicine, Texas A&#038;M University,
College Station, Texas, 2001 to 2004; President Men&#146;s Leadership Ministries, Bryan, Texas, from
1996 to 2000; Executive Director, Center for Executive Development College of Business, Texas A&#038;M
University, College Station, Texas, from 1994 to 1996; President, Texas A&#038;M University, College
Station, Texas from 1993 to 1994; Executive Vice President and Provost, Texas A&#038;M University,
College Station, Texas from 1989 to 1993.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Mark A. Oliver</U>, our President, Chief Corporate Officer and Chief Investment Officer from
June&nbsp;2006 to present; our President, CEO and Chief Investment Officer from July&nbsp;2005 to June&nbsp;2006;
our President, Chief Investment Officer and Treasurer from February&nbsp;2004 to July&nbsp;2005; President
and Vice Chairman of our affiliates from February&nbsp;1999 to present; President of us and our
affiliates from March&nbsp;1997 to February&nbsp;1999; Executive Vice President, Chief
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Financial Officer,
Secretary and Treasurer of us and our
affiliates from 1990 to 1997; Treasurer and Chief Financial Officer of us and our affiliates from
1988 to 1990; Treasurer and Controller of us and our affiliates from 1984 to 1988.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Harold E. Riley</U>, controlling stockholder; our Chairman of the Board from 1987 to present
and CEO from June&nbsp;2006 to present; Chairman of the Board of us and our affiliates from 1994 to
1999; Chairman of the Board and Chief Executive Officer of us from 1992 to 2000; Chairman of the
Board and Chief Executive Officer of us and our affiliates from 1992 to 1999; President of us and
our affiliates from November&nbsp;1996 to March&nbsp;1997; Chairman of the Board, Chief Executive Officer
and President of us and our affiliates from 1987 to 1992; Chairman of the Board, President and
Chief Executive Officer, Continental Investors Life Insurance Company from 1989 to 1992.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Rick D. Riley</U>, our Vice Chairman since 2000; Vice Chairman and CEO from October&nbsp;2000 to
July&nbsp;2005; Chairman of the Board of Directors, President and CEO of CICA LIFE Insurance Company of
America and its affiliates, our subsidiary, from February&nbsp;2004 to July&nbsp;2005. Chairman of the
Board of Directors, President and CEO of Citizens Insurance Company of America and its affiliates,
our subsidiary, from February&nbsp;1999 to January&nbsp;2004; our Chief Administrative Officer and Secretary
from October&nbsp;1998 to February&nbsp;1999; our Executive Vice President from September&nbsp;1995 to 1998; our
Chief Operating Officer from September&nbsp;1995 to March&nbsp;1997; our Chief Administrative Officer from
1994 to June&nbsp;1995, and President thereafter until September&nbsp;1995; our Executive Vice President and
Chief Operating Officer from 1990 to 1991 and 1992 to 1994; President, Computing Technology, Inc.
our subsidiary from 1991 to 1992; our Executive Vice President, Data Processing, from 1987 to
1991; Executive Vice President, Continental Investors Life Insurance Company from 1989 to 1992.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Dr.&nbsp;Richard C. Scott</U>, Former Vice President, Development, Baylor University, Waco, Texas
from 1996 to 2006; 1977 to 1996, Dean of Hankamer School of Business, Baylor University; 1972 to
1977, Associate Dean, Director of Graduate Studies, Professor of Management, Hankamer School of
Business, Baylor University; 1971 to 1972, Acting Dean while Dean was on leave; 1968 to 1971,
Associate Professor of Management, Director of Special Programs, Hankamer School of Business,
Baylor University; 1964 to present, Consultant to various firms and governmental agencies in the
areas of planning, management strategy, acquisition and sale of business and business evaluations;
1997 to January&nbsp;2004, Director of Winnebago Industries; 1994 to 1997, Chairman of the Board of
Trustees of Annuity Board of the Southern Baptist Convention; 1990 to 1997, Member of Executive
Committee of the Board of Trustees of the Annuity Board of the Southern Baptist Convention; 1990
to 1994 Chairman of the Investment Committee of the Board of Trustees of the Annuity Board of the
Southern Baptist Convention; 1989 to 1994, Member of Investment Committee of the Board of Trustees
of the Annuity Board of the Southern Baptist Convention; 1988 to 1989, Member of the Finance
Committee of the Board of Trustees of the Annuity Board of the Southern Baptist Convention; 1980
to 1987, Member of the Board of Directors of the Central National Bank; 1976 to present, Owner of
controlling interest (with partner) in Trumas, Inc., a closely held corporation; 1976 to present,
General partner of S&#038;T Financial, Ltd.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Steven F. Shelton</U>, Rancher/Farmer from 1974 to present; Director, First Centennial
Corporation, from January to October&nbsp;1989 and August&nbsp;1990 to 1992. Principal owner of Prairie
Wind Energy, a wind energy development company formed in 2004.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->9<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Timothy T. Timmerman</U>, President, Commerce Properties of Texas from 1990 to present;
Partner, Realcom Management from 1990 to 2007.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Grant G. Teaff</U>, Executive Director, American Football Coaches Association from 1994 to
present.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><U>Dr.&nbsp;Robert B. Sloan, Jr</U>., President and Chief Executive Officer, Houston Baptist
University from 2006 to present; Chancellor, Baylor University, 2005 to 2006; President and Chief
Executive Officer, Baylor University from 1995 to 2005.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">None of our directors is a director of any other company with a class of securities registered
under the Securities Exchange Act of 1934 or any investment company registered under the
Investment Company Act of 1940.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>What Constitutes Independence for non-employee Directors</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Citizens determines whether a director and nominee to be a director is &#147;independent&#148; in accordance
with the New York Stock Exchange (&#147;NYSE&#148;) requirements for independent directors (Section&nbsp;303A of
the NYSE&#146;s Listed Company Manual). In order to be considered independent, other than in his
capacity as a member of the Board of Directors or any board committee, a director may not accept
any consulting, advisory or other compensation fee from Citizens, and may not be an affiliated
person of Citizens or any subsidiary. In addition to compliance with NYSE independence
requirements, the Board is also responsible to determine affirmatively that each independent
director has no other material relationship with Citizens or its affiliates or any executive
officer of Citizens or his or her affiliates. A relationship will be considered &#147;material&#148; if in
the judgment of the Board it would impair their effectiveness or independent judgment as a
director.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Board of Directors has determined that directors Gage, Shelton, Timmerman, Scott and Teaff, as
well as nominee for director, Dr.&nbsp;Sloan, are independent as set forth in the NYSE independence
requirements. In addition, our Board of Directors has determined that each member of the Audit
Committee and the Compensation Committee of our Board of Directors is independent in compliance
with the independence requirements of the NYSE.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Your Board of Directors recommends a vote for the election of the Class&nbsp;A nominees. Proxies
solicited by the Board of Directors will be voted for the nominees as indicated above unless
instructions are given to the contrary.</B>
</DIV>
<!-- link1 "MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS" -->
<DIV align="left"><A NAME="007"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>MEETINGS AND COMMITTEES OF THE BOARD OF DIRECTORS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our business affairs are conducted under the direction of our Board of Directors. The Board of
Directors held three (3)&nbsp;meetings during 2006, at which all directors were present. We do not have
an attendance policy, although our directors are expected to attend Board Meetings. The
non-management directors hold regularly scheduled executive sessions in which those directors meet
without management participation. The director chosen to preside at these sessions is determined
on an informal basis at the time of the meeting. In addition, our Board members are encouraged to
attend our annual meetings of shareholders, and all our Board members attended our 2006 Annual
Meeting of Shareholders.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">To assist it in carrying out its duties, the Board has delegated certain authority to four
separately-designated standing committees whose functions are described below:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Audit Committee</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Members at December&nbsp;31, 2006: Directors Scott, Gage and Timmerman
</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>
Number of Meetings in 2006: 8
</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>
Functions:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Assists the full Board in fulfilling its oversight responsibilities as they
relate to our accounting policies, internal controls, financial reporting practices and
legal and regulatory compliance.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Responsible for the appointment, compensation and oversight of the work of our
registered independent public accounting firm.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Monitors the independence and performance of our registered independent public
accounting firm and internal auditors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Maintains, through regularly scheduled meetings, a line of communication
between the Board and our financial management, any internal auditors and our registered
independent public accounting firm.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Oversees compliance with our policies for conducting business, including
ethical business standards.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Oversees our assessment of internal controls as required by the Sarbanes-Oxley
Act.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Board of Directors adopted a restated Audit Committee Charter in November&nbsp;2002 and subsequently
amended and restated the charter on April&nbsp;22, 2004. The charter is posted on our website at
www.citizensinc.com and is attached hereto.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Board of Directors has determined that Dr.&nbsp;Richard C. Scott is qualified as an &#147;audit committee
financial expert&#148; as that term is defined in the rules of the Securities and Exchange Commission.
Dr.&nbsp;Scott served as Dean of Hankamer School of Business of Baylor University from 1972 to 1977;
from 1971 to 1972 he was the Associate Dean, Director of Graduate Studies, Professor of Management,
Hankamer School of Business, Baylor University. He also has been Associate Professor of
Management, Director of Special Programs, Hankamer School of Business, Baylor University.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Class&nbsp;A common stock is listed for trading on the New York Stock Exchange. Pursuant to NYSE
rules, the Audit Committee is comprised of three or more directors as determined by the Board of
Directors, each of whom is independent. Our Board of Directors has determined that all of the
members of the Audit Committee are independent, as defined in the listing standards of the NYSE and
the rules of the SEC.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Compensation Committee</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Members at December&nbsp;31, 2006: Directors Scott, Shelton and Teaff<BR>
<BR style="font-size: 6pt">
Held one meeting in 2006.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Functions:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent"><B>&#149;</B></TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Assists the full Board in overseeing the management of our human resources
including:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><FONT face="Wingdings">&#216;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>establishing, implementing and continually monitoring adherence with our
compensation philosophy.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><FONT face="Wingdings">&#216;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>assisting Chief Executive Officer performance and compensation.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="8%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><FONT face="Wingdings">&#216;</FONT></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>overseeing executive development and succession and diversity efforts.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent"><B>&#149;</B></TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Oversees the evaluation of management.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent"><B>&#149;</B></TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Reviews the Compensation Discussion &#038; Analysis (&#147;CD&#038;A&#148;), and discusses the CD&#038;A
with our management. The Compensation Committee then recommends to the full Board of
Directors that the CD&#038;A be included in the Proxy Statement or discloses to the full Board
of Directors the reasons that it cannot make such a recommendation.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">A copy of our Compensation Committee Charter adopted on March&nbsp;13, 2007 is appended to this Proxy
Statement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><I>Compensation Committee Interlocks and Insider Participation</I>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">None of our executive officers serves as a member of the board of directors or compensation
committee of an entity that has an executive officer serving as a member of the Board or
Compensation Committee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Executive Committee</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Members at December&nbsp;31, 2006: Directors Harold E. Riley, Gage and Timmerman<BR><BR style="font-size: 6pt">
Number of Meetings in 2006: 15
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Functions:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent"><B>&#149;</B></TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Authority to manage our business affairs.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent"><B>&#149;</B></TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>May not take action when majority of all members of the Board is required by
law or by our Articles of Incorporation or Bylaws.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent"><B>&#149;</B></TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Material actions by the committee are subsequently reviewed by the Board.</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Nominating/Corporate Governance Functions</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Board of Directors does not maintain a nominating/corporate governance committee with respect
to (i)&nbsp;identifying, evaluating or recommending candidates for our Board of Directors, and (ii)
shaping our corporate governance. Instead, these functions are performed by the full Board of
Directors. Our Board does not maintain a nominating committee for the following reasons:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We are considered to be a &#147;controlled&#148; company since the
majority of the members on our Board of Directors are elected
by our Chairman, Harold E. Riley, through his beneficial
ownership of all of our outstanding Class&nbsp;B common shares.
Under NYSE rules, &#147;controlled&#148; companies are not required to
maintain a nominating committee;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We are a mid-size company and we do not maintain a large
number of directors as do many larger public companies; thus,
we do not require a special committee whose sole purpose is to
identify and evaluate a large director candidate pool or
prepare corporate governance rules.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A majority of the directors on our Board of Directors are
considered to be independent; thus, we believe that the
nominating duties and corporate governance rules with respect
to the Class&nbsp;A directors can be accomplished in a
disinterested manner by our entire Board of Directors.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Board of Directors will consider a candidate for a Class&nbsp;A director position proposed by a
shareholder. A candidate must be highly qualified in terms of business experience and be both
willing and expressly interested in serving on the Board. A shareholder wishing to propose a
candidate for the Board&#146;s consideration should forward the candidate&#146;s name and information about
the candidate&#146;s qualifications to Citizens, Inc., Board of Directors, 400 East Anderson Lane,
Austin, Texas 78752, Attn.: Mark A. Oliver. Submissions must include sufficient biographical
information concerning the recommended individual, including age, employment history for at least
the past five years indicating employer&#146;s names and description of the employer&#146;s business,
educational background and any other biographical information that would assist the Board in
determining the qualifications of the individual. The Board will consider recommendations received
by a date not later than 120 calendar days before the date our proxy statement was released to
shareholders in connection with the prior year&#146;s annual meeting for nomination at that annual
meeting. The Board will consider nominations received beyond that date at the annual meeting
subsequent to the next annual meeting.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Board evaluates nominees for directors recommended by shareholders in the same manner in which
it evaluates other nominees for directors. Minimum qualifications include the factors discussed
above.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><U><B>Code of Ethics</B></U>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Board of Directors has adopted a Code of Business Conduct and Ethics (&#147;Code&#148;), which we have
posted on our website located at www.citizensinc.com. You may also obtain a copy of our Code by
requesting a copy in writing addressed to Citizens, Inc. at 400 East Anderson Lane, Austin, Texas
78752, Attn: Mark A. Oliver or General Counsel, or by calling us at 512-837-7100.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Code provides general statements of our expectations regarding ethical standards that we expect
our directors, officers and employees to adhere to while acting on our behalf. Among other things,
the Code provides that:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We will comply with all laws, rules and regulations;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Our directors, officers and employees are to avoid conflicts of interest and are prohibited from competing
with us or personally exploiting our corporate opportunities;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Our directors, officers and employees are to protect our assets and maintain our confidentiality;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We are committed to promoting values of integrity and fair dealing; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>We are committed to accurately maintaining our accounting records under generally accepted accounting
principles and timely filing our periodic reports.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Code also contains procedures for our employees to report, anonymously or otherwise,
violations of the Code.
</DIV>
<!-- link1 "EXECUTIVE COMPENSATION" -->
<DIV align="left"><A NAME="008"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXECUTIVE COMPENSATION<BR>
Compensation Discussion and Analysis (CD&#038;A)</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following Compensation Discussion and Analysis (&#147;CD&#038;A&#148;) describes the material elements of
compensation for our executive officers identified in the Summary Compensation Table on page 19
below.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Overview of the Compensation Program. </B>As more fully described below, the Compensation Committee of
the Board of Directors (the &#147;Compensation Committee&#148;), which is composed of three independent
directors, has responsibility for establishing, implementing and continually monitoring adherence
with our compensation philosophy for our executive officers as well as our directors. The
compensation setting process consists of establishing compensation for each executive based on our
long term objectives. The Compensation Committee also considers general industry practices and
other factors in structuring executive compensation. We do not offer incentive based compensation,
nor do we offer bonuses or stock options. Our executive compensation consists of salary and access
to our qualified profit-sharing plan. The Compensation Committee seeks to ensure that executive
compensation is fair, reasonable and competitive. In order to make this determination, toward the
end of each calendar year, the Compensation Committee generally evaluates our performance relative
to our business plan, and does the same with respect to similar companies. Additionally, each
executive officer&#146;s contribution to our achievements during the year is evaluated.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Compensation Philosophy. </B>The goal of the Compensation Committee is to ensure that we employ
qualified, experienced executive officers whose financial interests are aligned with that of our
shareholders. Because the Compensation Committee does not believe that a systematic pattern exists
between executive compensation and performance variables, our compensation philosophy is not to
&#147;motivate&#148; the right behaviors from the wrong people through a complex system of bonus incentives.
Rather, our objective is to acquire and retain the right people in the first place.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->14<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Compensation Performance Analysis. </B>Harold E. Riley, our founder, was elected as our Chairman of
the Board and Chief Executive Officer in 1987, although as our founder, his tenure began in 1968.
In October&nbsp;2000, he relinquished the position as our Chief Executive Officer, as well as his
position as Chief Executive Officer to our life insurance subsidiaries, to Rick D. Riley, although
he retained his position as our Chairman. However, on July&nbsp;19, 2005, Mark A. Oliver, President,
assumed the additional position of our Chief Executive Officer, while Rick D. Riley remained Chief
Executive Officer of our life insurance subsidiaries, and remained as our Vice Chairman. In
addition, on June&nbsp;6, 2006, Mr.&nbsp;Oliver relinquished the position as our Chief Executive Officer and
Harold E. Riley assumed that position. Harold E. Riley, Mark A. Oliver and Rick D. Riley have
historically been, and currently are, employed by us on an &#147;at-will&#148; basis.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Compensation Committee has conducted a thorough review of the performance of Harold E. Riley,
Rick D. Riley and Mark A. Oliver for the year 2006. This review included an evaluation of the
progress made by us towards the attainment of our goals and the role such persons played in our
progress. The review also included a broad based comparison of salaries of senior executives of
other public life insurance holding companies who are typically identified as comparable to us and
the manner in which such executives are compensated.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We made progress financially in 2006 compared to 2005. Despite the impact of legislatively and
judicially mandated extensions for filing claims and lawsuits, due to Hurricanes Katrina and Rita
in Louisiana, the location of the operations of Security Plan Life Insurance Company, Security Plan
Fire Insurance Company, and our home service business subsidiaries, we made progress financially in
2006 compared to 2005. Our 2006 net income per common share increased from $.13 in 2005 to $.16 in
2006, our net income grew sharply in 2006, reaching $8.7&nbsp;million, an approximately 18.8 % increase
over our income in 2005 of $7.3&nbsp;million. We also experienced a 10.5% increase in premium income in
2006 over 2005.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Giving consideration to these factors, the Compensation Committee was encouraged by the progress we
made during 2006, and it considers each of the above three persons to be valuable officers in
implementing our goals. Therefore, it is the opinion of the Compensation Committee that annual
salaries for Harold E. Riley, Rick D. Riley and Mark A. Oliver for 2007 be established at $800,000,
$350,000, and $325,000, respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Compensation Comparables. </B>To assist in establishing the compensation for 2007, the Compensation
Committee also utilized independent sources to identify &#147;comparables&#148; within our industry. The
following companies were identified as comparables: National Western Life, Erie Family Life
Insurance Company, Financial Industries Corporation, Independence Holding Company, KMG America,
Kentucky Investors, Inc., Security National Financial Corporation, UTG, Inc., and Cotton States
Life. Compensation data found on these comparables was limited to only those individuals for whom
compensation information was disclosed publicly. As a result, the data typically included only the
five most highly compensated officers at each company as of their latest public filing. Generally,
this correlated to the Chairman/CEO, Vice Chairman, President and the individuals who are executive
vice presidents or the equivalent with us. Additional data obtained on each comparable company
included total assets, debt, revenue and net income. No research was conducted to assist in
establishing compensation at other levels within us.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Comparative Compensation Analysis. </B>The overall results of the comparables study provided
additional information for the Compensation Committee&#146;s final determination. As noted above, the
Compensation
Committee reviewed a number of factors within the comparable companies;
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->15<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">however, the focus of
attention was on base salary compensation, which consisted of salary excluding bonuses and any
matching contributions to a company&#146;s 401(k) plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">For the purposes of the comparison analysis, three comparables were selected for discussion. The
Compensation Committee determined that these were the most congruent with Citizens, Inc. in
relation to markets, assets, size and revenue. These comparables were: National Western Life
(&#147;National Western&#148;), Financial Industries Corporation (&#147;FIC&#148;) and KMG America (&#147;KMG&#148;). Although
National Western&#146;s assets and revenues are larger, it is a publicly traded insurance company in
Austin, Texas with international marketing operations that are significantly similar to ours. FIC
and KMG were closest to us in assets and revenue.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Based on the Compensation Committee&#146;s analysis, the 2007 compensation for Harold Riley of $800,000,
our Chairman and Chief Executive Officer, was determined to be appropriate in the determination of
the Compensation Committee. This amount was significantly lower (approximately 46.4%) than the
base compensation for the Chairman/CEO of National Western. This is to be expected since National
Western reported assets in June&nbsp;2006 of over $6&nbsp;billion and revenues close to three times that of
ours. However, this amount is higher than both FIC and KMG. In the case of FIC, this amount was
higher by approximately 13.7%. It should be noted, though, that FIC&#146;s last available SEC filing at
the time of the Compensation Committee&#146;s review was December&nbsp;31, 2003. Furthermore, FIC&#146;s
Chairman/CEO also reported a bonus of $2.5&nbsp;million in 2003 (the last information available). As
Harold E. Riley&#146;s recommended 2007 salary relates to KMG, this amount was significantly higher
(approximately 41%) than the base compensation for its Chairman/CEO. The data for KMG was analyzed
as of its June&nbsp;2006 SEC filing.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">In analyzing these factors, the Compensation Committee performed a subjective analysis of the
averages for FIC and KMG, combined with the comparison to National Western, which suggests that
$800,000 is an appropriate compensation for our Chairman/CEO. This is particularly true when
considering the fact that a significant majority of the comparable companies had targeted
compensation beyond base salary. The compensation of executives in these companies included
bonuses, stock options and contributions to company 401(k) plans.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Compensation Committee followed a similar, albeit slightly less elaborate, process with respect
to comparing the compensation for our other senior executives. These salaries were not objectively
determined, but instead reflect the levels that the Compensation Committee concludes were
appropriate based upon our compensation philosophy and their experience and tenure with us. The
Compensation Committee also performed a similar analysis with respect to other senior management.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Board Process and Conclusion. </B>The Compensation Committee&#146;s recommendations are subject to approval
of the Board of Directors. Once the Board of Directors has completed its analysis, it discusses
its conclusions with senior management. The Board of Directors has analyzed and discussed with
senior management the recommended 2007 compensation. A similar exercise was conducted in 2006.
Additionally, the Compensation Committee reviews and discusses the CD&#038;A with our management. The
Compensation Committee then recommends to the full Board of Directors that the CD&#038;A be included in
the Proxy Statement or discloses to the full Board of Directors the reasons that it cannot make
such a recommendation.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->16<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "CERTAIN REPORTS" -->
<DIV align="left"><A NAME="009"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CERTAIN REPORTS<BR></B>
Section&nbsp;16(a) Beneficial Ownership Reporting Compliance
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Section&nbsp;16(a) of the Securities Exchange Act of 1934 requires that our directors, executive
officers and persons who own more than ten percent of a registered class of our equity securities
file reports of ownership and changes in ownership with the Securities and Exchange Commission.
Based solely upon a review of such reports and amendments thereto furnished to us, we believe that
during 2006, all reports were filed on a timely basis.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->17<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "EXECUTIVE OFFICERS" -->
<DIV align="left"><A NAME="010"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXECUTIVE OFFICERS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following table sets forth certain information concerning our executive officers who are
elected annually by the Board of Directors at the first meeting of the Board following each annual
meeting of shareholders:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Name </B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Age</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Position</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Harold E. Riley <SUP style="font-size: 85%; vertical-align: text-top">(1)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">78</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Chairman, Chief Executive Officer</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Rick D. Riley <SUP style="font-size: 85%; vertical-align: text-top">(2)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">53</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice Chairman</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Mark A. Oliver <SUP style="font-size: 85%; vertical-align: text-top">(3)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">48</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">President, Chief Corporate
Officer and Chief Investment
Officer</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Larry D. Welch <SUP style="font-size: 85%; vertical-align: text-top">(4)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">40</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Vice President, Chief
Operating Officer</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Ray A. Riley<SUP style="font-size: 85%; vertical-align: text-top">(5)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">46</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Executive Vice President, Chief
Marketing Officer</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Larry E. Carson <SUP style="font-size: 85%; vertical-align: text-top">(6)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">53</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President, Chief Financial
Officer and Treasurer</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Geoffrey M. Kolander<SUP style="font-size: 85%; vertical-align: text-top">(7)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">31</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President, Corporate
Secretary and General Counsel</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Thomas F. Kopetic <SUP style="font-size: 85%; vertical-align: text-top">(8)</SUP>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">47</TD>
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Vice President, Accounting</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">(1)</TD>
    <TD>&nbsp;</TD>
    <TD>Mr.&nbsp;Harold E. Riley has served since 1987.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(2)</TD>
    <TD>&nbsp;</TD>
    <TD>Rick D. Riley became Vice Chairman in December&nbsp;1999. He has served in various
capacities for us and our affiliates since 1976.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(3)</TD>
    <TD>&nbsp;</TD>
    <TD>Mark A. Oliver became President in 1997. He has served in various capacities for us
and our affiliates since 1987.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(4)</TD>
    <TD>&nbsp;</TD>
    <TD>Larry D. Welch assumed the position of our Executive Vice President, Chief Operating
Officer in June&nbsp;2005. Mr.&nbsp;Welch had served us as Vice President, Policyowner Service,
since May&nbsp;2003. Prior to that time, he was employed by Capital Synergies, Inc., where he
served as Vice President of Operations from November&nbsp;1999.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(5)</TD>
    <TD>&nbsp;</TD>
    <TD>Ray A. Riley has served in various capacities for us since 1995, including Director
of Personnel and Chief Operating Officer.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(6)</TD>
    <TD>&nbsp;</TD>
    <TD>Larry E. Carson joined us as Vice President, Financial Reporting and Tax, and
Treasurer in May&nbsp;2005, and became Chief Financial Officer in 2006. Prior to joining us,
he worked at National Western Life Insurance Company, where he served as Assistant Vice
President and Assistant Controller from July&nbsp;1987 to May&nbsp;2005.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(7)</TD>
    <TD>&nbsp;</TD>
    <TD>Geoffrey M. Kolander joined us as Vice President, General Counsel in July&nbsp;2006, and
became Corporate Secretary in March&nbsp;2007. He served as General Counsel for Tejas
Industries, Amarillo, TX, from March&nbsp;2005 to July&nbsp;2006, and was an Associate at The
Underwood Law Firm, Amarillo, TX from August&nbsp;2001 to March&nbsp;2005.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(8)</TD>
    <TD>&nbsp;</TD>
    <TD>Thomas A. Kopetic joined us as Vice President, Accounting in September&nbsp;2006. Prior
to that, Mr.&nbsp;Kopetic served as Vice President and Controller of United Teacher Associates
Insurance Company, Austin, Texas, from October&nbsp;2003, and Finance Manager of Unitrin P&#038;C
Insurance Group, Dallas, Texas, from October&nbsp;1998 to October&nbsp;2003.</TD>
</TR>

</TABLE>



<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>********</B>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->18<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<!-- link1 "EXECUTIVE OFFICER AND DIRECTOR COMPENSATION " -->
<DIV align="left"><A NAME="011"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXECUTIVE OFFICER AND DIRECTOR COMPENSATION</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following table presents the aggregate compensation that was earned by our Chief Executive
Officer for 2006 and our four most highly compensated executive officers other than the Chief
Executive Officer. There has been no compensation awarded to, earned by or paid to any employee
required to be reported in any table or column in any fiscal year, other than what is set forth in
the table below.
</DIV>
<!-- link1 "SUMMARY COMPENSATION TABLE " -->
<DIV align="left"><A NAME="012"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SUMMARY COMPENSATION TABLE</B><BR>
Annual Compensation
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="53%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD><!-- VRule -->
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><b>Name and</b></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><b>All Other</b></TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><b>Principal</b></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><b>Compensation</b></TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><b>Position</b></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><b>Year</b></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><b>Salary</b></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><b>(1)</b></TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2"><b>Total</b></TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR style="font-size: 1px; background: #cceeff">
    <TD colspan="13" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD align="left" style="border-right: 1px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD colspan="3" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>PEO </B>- Principal<BR>
Executive Officer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>Harold E. Riley</B>,</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">779,045</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">42,000</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">821,045</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:0px; text-indent:-0px">Chairman and<BR>
Chief Executive<BR>
Officer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>PFO </B>&#150; Principal<BR>
Financial Officer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>Larry E. Carson</B>,</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">125,204</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">-0-</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">125,204</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:0px; text-indent:-0px">Chief Financial<BR>
Officer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>Rick D. Riley</B>,</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">311,738</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">42,000</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">353,738</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:0px; text-indent:-0px">Vice Chairman</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>Mark A. Oliver</B>,</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">285,780</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">31,710</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">317,490</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:0px; text-indent:-0px">President</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="padding-top: 0em; background: #cceeff">
    <TD><DIV style="margin-left:0px; text-indent:-0px"><B>Ray A. Riley</B>,</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">217,480</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">11,325</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">228,805</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:0px; text-indent:-0px">Chief Marketing
Officer</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>




<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 16pt; width: 18%; border-top: 1px solid #000000">&nbsp;</DIV>
</DIV>

<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
</TR>

<TR valign="top">
    <TD nowrap align="left">(1)</TD>
    <TD>&nbsp;</TD>
    <TD>Company contribution to qualified profit-sharing plan. The 2006 amounts represent
the results of the 2005 plan year credited in 2006. The 2006 results will not be
available until late 2007. Also includes the use of company automobile for each of
Harold E. Riley, Rick D. Riley and Mark A. Oliver, the value of which was less than
$25,000.</TD>
</TR>

</TABLE>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our employees are covered under our qualified profit-sharing plan (the &#147;Plan&#148;). Under the
terms of the Plan, all employees who have completed one year of service are eligible to
participate. Vesting begins following completion of two years service and employees become fully
vested after six years service. We made a $300,000 contribution in 2004, $500,000 in 2005 and
$750,000 in 2006. Messrs.&nbsp;H. E. Riley, R. D. Riley, M. A. Oliver and R. A. Riley had, $372,358,
$451,515, $233,852 and $46,051, respectively, vested under the Plan as of December&nbsp;31, 2006, the
last year for which allocations are complete.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">For additional information on executive compensation, see &#147;Executive Compensation &#150; Compensation
Discussion and Analysis&#148; above, beginning on page 14.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->19<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><I>Director Compensation</I>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following table sets forth all compensation that we paid to our directors in 2006.
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="88%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Fees Earned or</B></TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center"><B>Name of Director </B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Paid in Cash ($)</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR style="font-size: 1px">
    <TD colspan="5" align="left" style="border-top: 1px solid #000000">&nbsp; &nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Harold E. Riley</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Rick D. Riley</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Mark A. Oliver</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">0</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Dr.&nbsp;Richard C. Scott</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">15,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Grant G. Teaff</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">12,600</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Dr.&nbsp;E. Dean Gage</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">13,800</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Steven F. Shelton</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">13,200</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Timothy T. Timmerman</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="right">$</TD>
    <TD align="right">14,400</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We pay each non-employee director $12,000 per year and reimburse the directors for travel expenses
to the Board meetings. Each non-employee director who is on our Board committees also receives
$600 per meeting attended in person. Our directors who are also our employees receive no separate
or additional compensation for service on the Board, but rather receive only compensation in
connection with their employment by us. Our directors do not receive any other compensation, such
as stock options or other benefits.
</DIV>
<!-- link1 "COMPENSATION COMMITTEE REPORT" -->
<DIV align="left"><A NAME="013"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>COMPENSATION COMMITTEE REPORT</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Compensation Committee of the Company has reviewed and discussed the Compensation Discussion
and Analysis required by Item 402(b) of Regulation&nbsp;S-K with management and, based on such review
and discussions, the Compensation Committee recommended to the Board that the Compensation
Discussion and Analysis be included in this Proxy Statement.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">COMPENSATION COMMITTEE
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">Richard C. Scott, Chairman<BR>
Steven F. Shelton<BR>
Grant G. Teaff

</DIV>
<!-- link1 "CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS" -->
<DIV align="left"><A NAME="014"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Vice President, Latin American Division of our primary life insurance subsidiary is Randall H.
Riley, son of Harold E. Riley, our founder, Chief Executive Officer and Chairman of the Board, and
brother of Rick D. Riley, our Vice Chairman and director, and Ray A. Riley, our Executive Vice
President, Chief Marketing Officer. Randall H. Riley is employed &#147;at will&#148; and receives an annual
salary of $180,000 and participates in our qualified profit-sharing plan. We are not aware of any
other transaction, or series of transactions, since January&nbsp;1, 2006, or any currently proposed
transactions, or series of transactions, to which we or any of our subsidiaries was to be a party,
in which the amount involved exceeds $120,000 and in which any director, nominee for director,
executive officer, more than 5% shareholder or any
member of the immediate family of the foregoing persons had, or will have, a direct or indirect
material interest.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->20<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "PRINCIPAL ACCOUNTANT FEES AND SERVICES" -->
<DIV align="left"><A NAME="015"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PRINCIPAL ACCOUNTANT FEES AND SERVICES</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">During 2006 and 2005, the following fees were billed to us by our principal accountants:
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="76%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">2006</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="2" style="border-bottom: 1px solid #000000">2005</TD>
    <TD>&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Audit Fees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">2,136,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,189,042</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Audit Related Fees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">-0-</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">24,000</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Tax Fees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">-0-</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">-0-</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">All Other Fees</DIV></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">-0-</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">-0-</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap colspan="2" align="right" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">2,136,000</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left">$</TD>
    <TD align="right">1,213,042</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
        <TD nowrap colspan="2" align="right" style="border-top: 3px double #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
        <TD nowrap colspan="2" align="right" style="border-top: 3px double #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">To help assure independence of our registered independent public accounting firm, our Audit
Committee has established a policy whereby all audit, review, attest and non-audit engagements of
the principal accountant or other firms must be approved in advance by the Audit Committee;
provided, however, that de minimis non-audit services may instead be approved in accordance with
applicable Securities and Exchange Commission rules. This policy is set forth in our Amended Audit
Committee Charter. Of the fees shown in the table which were billed by our principal accountants
in 2005 and 2006, 100% were approved by the Audit Committee.
</DIV>
<!-- link1 "RATIFICATION OF APPOINTMENT OF OUR REGISTERED INDEPENDENT PUBLIC ACCOUNTING FIRM" -->
<DIV align="left"><A NAME="016"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>RATIFICATION OF APPOINTMENT OF OUR REGISTERED INDEPENDENT PUBLIC<BR>
ACCOUNTING FIRM</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Audit Committee Charter provides that the Audit Committee shall have the sole authority and
responsibility to select, evaluate and, if necessary, replace our registered independent public
accounting firm.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">On March&nbsp;23, 2006 our Audit Committee retained Ernst &#038; Young LLP as our registered independent
public accounting firm to audit our consolidated financial statements for the fiscal year ending
December&nbsp;31, 2006.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We are requesting that our shareholders ratify the appointment of Ernst &#038; Young LLP by our Audit
Committee as our registered independent public accounting firm for the fiscal year ending December
31, 2007. If the shareholders do not ratify this appointment, the Audit Committee will consider
such results and determine whether to recommend and appoint a different registered independent
public accounting firm to audit our consolidated financial statements for the fiscal year ending
December&nbsp;31, 2007.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">One or more members of the firm of Ernst &#038; Young LLP will attend the annual meeting, will have an
opportunity to make a statement and will be available to answer questions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Ratification of the appointment of Ernst &#038; Young LLP as our registered independent public
accounting firm requires the affirmative vote of the holders of a majority of the shares present or
represented at the annual meeting, in person or by proxy, entitled to vote on this proposal.
Abstentions will count as votes against the proposal. Broker non-votes do not count for voting
purposes. The Board recommends a vote FOR such ratification.</B>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->21<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "AUDIT COMMITTEE REPORT " -->
<DIV align="left"><A NAME="017"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>AUDIT COMMITTEE REPORT</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Audit Committee reports to and acts on behalf of the Board of Directors by providing
oversight of our financial management, registered independent public accounting firm and financial
reporting procedures. The Audit Committee Charter was adopted in 2000. The Audit Committee
Charter was updated and restated in April&nbsp;2004 in order to meet the requirements of the
Sarbanes-Oxley Act of 2002 and is attached to this proxy statement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Management is responsible for preparing our financial statements and our registered independent
public accounting firm is responsible for auditing those financial statements. The Audit Committee
is responsible for overseeing the conduct of these activities by our management and our registered
independent public accounting firm. The Audit Committee is also responsible for establishing
procedures to address complaints regarding accounting, internal control or auditing issues, as well
as the anonymous submission by employees of concerns regarding accounting or auditing matters. In
this context, the Audit Committee has met and held discussions with management and our registered
independent public accounting firm. Management represented to the Audit Committee that our
consolidated financial statements were prepared in accordance with accounting principles generally
accepted in the United States of America (&#147;GAAP&#148;), and the Audit Committee has reviewed and
discussed the consolidated financial statements with management and our registered independent
public accounting firm.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Dr.&nbsp;Richard C. Scott, the financial expert of the Audit Committee, as well as the other members of
the Audit Committee, are independent directors as defined in the rules of the New York Stock
Exchange. The members of the Audit Committee are not professionally engaged in the practice of
auditing or accounting and are not experts in the fields of accounting or auditing, including
auditor independence. The members of the Audit Committee rely without independent verification on
the information provided to them and on the representations made by our management and the
registered independent public accounting firm.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Committee has discussed with KPMG LLP, our independent registered public accounting firm for
our 2004 and 2005 financial statements and with Ernst &#038; Young LLP, our independent registered
public accounting firm for our 2006 financial statements, the independent registered public
accounting firm&#146;s matters required to be discussed by Statement on Auditing Standards No.&nbsp;61
(Communication with Audit Committees), as amended, and applicable SEC Rules. In addition, our
independent registered public accounting firm provided to the Audit Committee the written
disclosures required by Independent Standards Board Standard No.&nbsp;1 (Independence Discussions with
Audit Committees), and the Committee and our independent registered public accounting firm have
discussed their independence from us and our management, including the matters in those written
disclosures.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The Committee has discussed with our independent registered public accounting firm their
evaluations of our internal accounting controls and the overall quality of our financial reporting.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">In reliance on the reviews and discussions with management and our registered independent public
accounting firm referred to above, the Audit Committee recommended to the Board of Directors and
the Board has approved, the inclusion of the audited financial statements in our Annual Report on
Form 10-K for the fiscal year ended December&nbsp;31, 2006, for filing with the Securities and Exchange
Commission.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">With the approval of the Board of Directors, the Audit Committee dismissed KPMG LLP as our
principal accountants and engaged Ernst &#038; Young LLP as our registered independent public accounting
firm, effective March&nbsp;23, 2006.
</DIV>
<!-- link1 "AUDIT COMMITTEE" -->
<DIV align="left"><A NAME="018"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>AUDIT COMMITTEE</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 18pt">Dr.&nbsp;Richard C. Scott<BR>
Dr.&nbsp;E. Dean Gage<BR>
Timothy T. Timmerman

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Change in Accountants</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;Dismissal of Accountant. KPMG LLP (&#147;KPMG&#148;) were previously the principal accountants for
us and our subsidiaries. On March&nbsp;20, 2006, that firm&#146;s appointment as principal accountants was
terminated. The decision to change accountants was made by the Audit Committee of our Board of
Directors.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The audit reports of KPMG on our consolidated financial statements as of and for the years
ended December&nbsp;31, 2005 and 2004 did not contain an adverse opinion or disclaimer of opinion, and
were not qualified or modified as to uncertainty, audit scope or accounting principles. The audit
reports of KPMG on management&#146;s assessment of the effectiveness of internal control over financial
reporting and the effectiveness of internal control over financial reporting as of December&nbsp;31,
2005 and 2004 did not contain an adverse opinion or disclaimer of opinion, and were not qualified
or modified as to uncertainty, audit scope or accounting principles, except that KPMG&#146;s report
indicated that we did not maintain effective internal control over financial reporting as of
December&nbsp;31, 2004 because of the effect of a material weakness on the achievement of the objectives
of the control criteria and contained an explanatory paragraph that stated &#147;the Company&#146;s policies
and procedures did not provide for adequate and effective management oversight and review of the
Company&#146;s financial reporting process. Specifically, the Company did not revise its management
oversight and review protocols to address changes in the qualifications of personnel performing
financial reporting functions, and did not provide for effective cross-training of personnel
performing financial reporting functions. As a result, numerous material errors were identified in
the Company&#146;s financial statement footnotes.&#148; These errors were corrected prior to the issuance of
our 2004 consolidated financial statements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In connection with the audits of the two fiscal years ended December&nbsp;31, 2005 and 2004, and
the subsequent interim period through March&nbsp;20, 2006, there were no: (1)&nbsp;disagreements with KPMG on
any matter of accounting principles or practices, financial statement disclosure, or auditing scope
or procedures, which disagreements if not resolved to their satisfaction would have caused them to
make reference in connection with their opinion to the subject matter of the disagreement, or (2)
reportable events, except that KPMG advised us of the material weakness noted in the previous
paragraph.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;We provided KPMG with a copy of the foregoing disclosure and requested that KPMG furnish us
with a letter, addressed to the Securities and Exchange Commission, stating whether or not KPMG
agreed with the statements made in the disclosure, and, if not, stating the respects in which it
did not agree. A copy of the letter from KPMG, dated March&nbsp;23, 2006, was attached as Exhibit&nbsp;16.1
to our Current Report on Form 8-K dated March&nbsp;20, 2006.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;Engagement of a New Accountant. Effective March&nbsp;23, 2006 we engaged Ernst &#038; Young LLP
(&#147;E&#038;Y&#148;) as our independent registered public accounting firm. The decision to engage E&#038;Y was made
by the Audit Committee of our Board of Directors.
</DIV>
<!-- link1 "OTHER BUSINESS" -->
<DIV align="left"><A NAME="019"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>OTHER BUSINESS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Should any other business come before the Meeting, and management is not aware of any at this time
and does not expect any, the persons named in the proxy will vote on such business as their best
judgment and discretion indicates.
</DIV>
<!-- link1 "ANNUAL REPORT AND OTHER MATERIAL" -->
<DIV align="left"><A NAME="020"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>ANNUAL REPORT AND OTHER MATERIAL</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">A copy of our 2006 Annual Report to Shareholders has been mailed under separate cover. A copy of
the report of the Compensation Committee and the Audit Committee of the Board of Directors
accompany this Proxy Statement. <B>No part of such material is incorporated herein and no part
thereof is to be considered proxy soliciting material.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We file our proxy statements and other information with the Securities and Exchange Commission
(the &#147;SEC&#148;) under the Securities Exchange Act of 1934, as amended (&#147;Exchange Act&#148;). You can
inspect and obtain a copy of our proxy statement and other information filed with the SEC at the
offices of the SEC&#146;s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please
call the SEC at 1-800-SEC-0330 for further information on the Public Reference Room. The SEC
maintains an Internet site at http://www.sec.gov/ where you can obtain most of our SEC filings.
We also make available, free of charge, on our website at www.citizensinc.com our proxy statements
filed with the SEC pursuant to Section 13(a) of the Exchange Act as soon as reasonably practicable
after they are filed electronically with the SEC. Our Annual Report can also be viewed at our
website.
</DIV>
<!-- link1 "ELECTRONIC DELIVERY OF PROXY MATERIALS AND ANNUAL REPORT" -->
<DIV align="left"><A NAME="021"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>ELECTRONIC DELIVERY OF PROXY MATERIALS AND ANNUAL REPORT</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">This Proxy Statement and our 2006 Annual Report are available on our website at
<I>www.citizensinc.com</I>. Instead of receiving paper copies of next year&#146;s Proxy Statement and Annual
Report in the mail, shareholders can elect to receive an e-mail message which will provide a link
to these documents online. By opting to access your proxy materials online, you will save us the
cost of producing and mailing documents to you, reduce the amount of mail you receive and help
preserve environmental resources.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Shareholders of record may enroll in the electronic proxy and Annual Report access service for
future Annual Meetings of Shareholders by registering online at www.computershare.com/US/ecomms If
you vote by Internet, simply follow the prompts regarding electronic distribution consent on that
site. Beneficial, or &#147;street name,&#148; shareholders who wish to enroll in electronic access service
should review the information provided in the proxy materials mailed to them by their bank or
stockbroker.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><I>Reduce Duplicate Mailings</I>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We are required to provide an Annual Report to all shareholders who receive this Proxy Statement.
If you are a shareholder of record and have more than one account in your name or at the same
address as other shareholders of record, you may authorize us to discontinue duplicate mailings of
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">future Annual Reports. To do so, mark the designated box on each proxy card for which you wish to
discontinue receiving an Annual Report. If you are voting by the Internet or telephone you can
either follow the prompts when you vote or give us instructions to discontinue duplicate mailings
of future Annual Reports. Street name shareholders who wish to discontinue receiving duplicate
mailings of future Annual Reports should review the information provided in the proxy materials
mailed to them by their bank or stockbroker.
</DIV>
<!-- link1 "SHAREHOLDER PROPOSALS" -->
<DIV align="left"><A NAME="022"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SHAREHOLDER PROPOSALS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Under the rules of the SEC, if a shareholder wants us to include a proposal in our Proxy Statement
and form of proxy for presentation at our 2008 Annual Meeting of Shareholders, the proposal must be
received by us at our principal executive offices at 400 East Anderson Lane, Austin, Texas 78752 by
January&nbsp;2, 2008. The proposal should be sent to the attention of our Secretary.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The SEC also sets forth procedures under which shareholders may make proposals outside of the
process described above or to introduce an item of business at an annual meeting of shareholders.
These procedures require that shareholders must submit items of business in writing to our
Secretary at our principal executive offices. We must receive the notice of your intention to
propose an item of business at our 2008 Annual Meeting no later than 45&nbsp;days in advance of the 2008
Annual Meeting if it is being held within 30&nbsp;days preceding the anniversary date (June&nbsp;5, 2007) of
this year&#146;s meeting.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">For any other meeting, the item of business must be received by the tenth day following the date of
public disclosure of the date of the meeting. These requirements are separate from and in addition
to the SEC&#146;s requirements described in the first paragraph of this section relating to including a
proposal in our proxy statements.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our annual meeting of shareholders is generally held on the first Tuesday in June. Assuming that
our 2007 Annual Meeting is held on schedule, we must receive notice of your intention to introduce
a nomination or other item of business at that meeting by April&nbsp;21, 2008.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">In order to curtail controversy as to the date on which a proposal was received by us, it is
suggested that proponents submit their proposals by certified mail-return receipt requested. Such
proposals must also meet the other requirements established by the Securities and Exchange
Commission for shareholder proposals.
</DIV>
<!-- link1 "CORPORATE GOVERNANCE INFORMATION AVAILABILITY" -->
<DIV align="left"><A NAME="023"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CORPORATE GOVERNANCE INFORMATION AVAILABILITY</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Our Compensation Committee Charter, Audit Committee Charter, and the Corporate Governance
Guidelines are available on our website at www.citizensinc.com. The information is also available
in print to any shareholder who makes a request. Please send a written request to the Secretary,
Citizens, Inc., P. O. Box 149151, Austin, Texas 78714-9151, Attn: Secretary.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->25<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "SHAREHOLDER COMMUNICATIONS WITH THE BOARD OF DIRECTORS" -->
<DIV align="left"><A NAME="024"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SHAREHOLDER COMMUNICATIONS WITH THE BOARD OF DIRECTORS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Any communication from a shareholder or interested party to the Board of Directors may be mailed
to:
</DIV>
<DIV align="left" style="font-size: 10pt; margin-left: 3%; margin-top: 6pt">Citizens, Inc.<BR>
400 East Anderson Lane<BR>
Austin, Texas 78752<BR>
Attn: Board of Directors (or committee name or director&#146;s name as appropriate)
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">It should be clearly noted on the mailing envelope that the letter is a &#147;Board of Directors
Communication.&#148; All such communications should identify the author as a shareholder or interested
party and clearly state whether the intended recipients are all members of the Board of Directors
or certain specified individual directors. This procedure for communicating with the Board of
Directors is also posted on our website at www.citizensinc.com.
</DIV>

<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>BY THE ORDER OF THE BOARD OF DIRECTORS</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="47%"></TD>
    <TD width="5%"></TD>
    <TD width="47%"></TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="left" valign="top"><B>Austin, Texas</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="right" valign="top"><B>/s/ Geoffrey M. Kolander, Secretary</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><B>Date: April&nbsp;30, 2007</B>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->26<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CITIZENS, INC.</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>AMENDED AND RESTATED</B>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Audit Committee Charter</B></U>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Adopted April&nbsp;22, 2004</B>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>A. Purpose</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The purpose of the Audit Committee is to assist the Board of Directors&#146; oversight of:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the integrity of the Company&#146;s financial statements;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the Company&#146;s financial reporting process;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the Company&#146;s compliance with legal and regulatory requirements;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the independent auditor&#146;s qualifications and independence; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the performance of the Company&#146;s internal audit function and independent auditors.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>B. Structure and Membership</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Number</U>. The Audit Committee shall consist of at least three members of the Board
of Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Independence</U>. Except as otherwise permitted by the applicable rules of the
NYSE, each member of the Audit Committee shall be independent as defined by such rules.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Financial Literacy</U>. Each member of the Audit Committee must be able to
read and understand fundamental financial statements, including the Company&#146;s balance
sheet, income statement, and cash flow statement, at the time of his or her appointment
to the Audit Committee. In addition, at least one member must have past employment
experience in finance or accounting, requisite professional certification in accounting,
or any other comparable experience or background which results in the individual&#146;s
financial sophistication, including being or having been a chief executive officer, chief
financial officer or other senior officer with financial oversight responsibilities.
Unless otherwise determined by the Board of Directors (in which case disclosure of such
determination shall be made in the Company&#146;s annual report filed with the SEC), at least
one member of the Audit Committee shall be an &#147;audit committee financial expert&#148; (as
defined by applicable SEC rules).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">4.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Chair</U>. Unless the Board of Directors elects a Chair of the Audit
Committee, the Audit Committee shall elect a Chair by majority vote.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">5.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Compensation</U>. The compensation of Audit Committee members shall be as
determined by the Board of Directors. No member of the Audit Committee may receive,
directly or indirectly, any consulting, advisory or other compensatory fee from the
Company or any of its subsidiaries, other than fees paid in his or her capacity as a
member of the Board of Directors or a committee of the Board.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">6.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Selection and Removal</U>. Members of the Audit Committee shall be appointed
by the Board of Directors. The Board of Directors may remove members of the Audit
Committee from such committee, with or without cause.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->27<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>C. Authority and Responsibilities</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>General</U></TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Audit Committee shall discharge its responsibilities, and shall assess the information
provided by the Company&#146;s management and the independent auditor, in accordance with its
business judgment. Management is responsible for the preparation, presentation, and integrity
of the Company&#146;s financial statements and for the appropriateness of the accounting principles
and reporting policies that are used by the Company. The independent auditors are responsible
for auditing the Company&#146;s financial statements and for reviewing the Company&#146;s unaudited
interim financial statements. The authority and responsibilities set forth in this Charter do
not reflect or create any duty or obligation of the Audit Committee to plan or conduct any
audit, to determine or certify that the Company&#146;s financial statements are complete, accurate,
fairly presented, or in accordance with generally accepted accounting principles or applicable
law, or to guarantee the independent auditor&#146;s report.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Oversight of Independent Auditors</U></TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Selection</U>. The Audit Committee shall be solely and directly responsible
for appointing, evaluating, retaining and, when necessary, terminating the engagement of
the independent auditor. In its evaluation of the independent auditor, the Audit
Committee shall present its conclusions with respect to the independent auditor to the
full Board of Directors. The Audit Committee shall also, with respect to its review of
the independent auditor, review and evaluate the lead partner and other senior members of
the independent auditor. The Audit Committee shall take into account the opinions of
management and the Company&#146;s internal auditors. The Audit Committee may, in its
discretion, seek stockholder ratification of the independent auditor it appoints.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Independence</U>. The Audit Committee shall take, or recommend that the full
Board of Directors take, appropriate action to oversee the independence of the
independent auditor. In connection with this responsibility, the Audit Committee shall
obtain and review a formal written statement from the independent auditor describing all
relationships between the independent auditor and the Company, including the disclosures
required by Independence Standards Board Standard No.&nbsp;1. The Audit Committee shall
actively engage in dialogue with the independent auditor concerning any disclosed
relationships or services that might impact the objectivity and independence of the
auditor.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Additional Independence Procedures</U>. The Audit Committee shall:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>confirm the regular rotation of the lead audit partner and reviewing partner
as required by Section&nbsp;203 of the Sarbanes-Oxley Act;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>confirm that the CEO, controller, CFO, and CAO (or other persons serving in
similar capacities) were not employed by the independent auditor, or if
employed, did not participate in any capacity in the audit of the Company, in
each case, during the one-audit-year period preceding the date of initiation of
the audit, as required by Section&nbsp;206 of the Sarbanes-Oxley Act; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>annually consider whether, in order to assure continuing auditor
independence, there should be regular rotation of the independent audit firm.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">4.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Quality Control Review</U>. Obtain and review a report from the independent
auditor at least annually regarding (a)&nbsp;the auditor&#146;s internal quality-control
procedures, (b)&nbsp;any material issues raised by the
most recent quality-control review, or peer review, of the firm, (c)&nbsp;any steps taken to
deal with any such issues, and (d)&nbsp;all relationships between the independent auditor and
the Company. Evaluate the qualifications, performance and independence of the
independent</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->28<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>auditor, including considering whether the auditor&#146;s quality controls are
adequate and whether the types of non-audit services provided are compatible with
maintaining the auditor&#146;s independence.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">5.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Compensation</U>. The Audit Committee shall have sole and direct
responsibility for setting the compensation of the independent auditor. The Audit
Committee is empowered, without further action by the Board of Directors, to cause the
Company to pay the compensation of the independent auditor established by the Audit
Committee. As part of its evaluation of compensation for the independent auditor, the
Audit Committee shall compare the fees paid for audit services to those paid by peer
companies as a means of assessing whether the scope of audit work is sufficient.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">6.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Pre-approval of Services</U>. The Audit Committee shall pre-approve all audit
services to be provided to the Company, whether provided by the principal auditor or
other firms, and all other services (review, attest and non-audit) to be provided to the
Company by the independent auditor; provided, however, that de minimis non-audit services
may instead be approved in accordance with applicable SEC rules.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">7.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Oversight</U>. The independent auditor shall report directly to the Audit
Committee, and the Audit Committee shall have sole and direct responsibility for
overseeing the work of the independent auditor, including resolution of disagreements
between Company management and the independent auditor regarding financial reporting. In
connection with its oversight role, the Audit Committee shall, from time to time as
appropriate, receive and consider the reports required to be made by the independent
auditor regarding:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>critical accounting policies and practices;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>alternative treatments within generally accepted accounting principles for
policies and practices related to material items that have been discussed with
Company management, including ramifications of the use of such alternative
disclosures and treatments, and the treatment preferred by the independent
auditor; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>other material written communications between the independent auditor and
Company management.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Audited Financial Statements</B></U></TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">8.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Review and Discussion</U>. The Audit Committee shall review and discuss with
the Company&#146;s management and independent auditor the Company&#146;s audited financial
statements, including the matters about which Statement on Auditing Standards No.&nbsp;61
(Codification of Statements on Auditing Standards, AU &#167;380) requires discussion and the
disclosure under &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results
of Operations.&#148;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">9.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Recommendation to Board Regarding Financial Statements</U>. The Audit
Committee shall consider whether it will recommend to the Board of Directors that the
Company&#146;s audited financial statements be included in the Company&#146;s Annual Report on Form
10-K.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">10.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Audit Committee Report</U>. The Audit Committee shall prepare an annual
committee report for inclusion where necessary in the proxy statement of the Company
relating to its annual meeting of security holders.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Review of Other Financial Disclosures</B></U></TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">11.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Independent Auditor Review of Interim Financial Statements</U>. The Audit
Committee shall direct the independent auditor to use its best efforts to perform all
reviews of interim financial information prior to disclosure by the Company of such
information and to discuss promptly with the Audit Committee and the Chief Financial
Officer any matters identified in connection with the</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->29<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>auditor&#146;s review of interim
financial information which are required to be discussed by applicable auditing
standards. The Audit Committee shall direct management to advise the Audit Committee in
the event that the Company proposes to disclose interim financial information prior to
completion of the independent auditor&#146;s review of interim financial information.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">12.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Earnings Release and Other Financial Information</U>. The Audit Committee
shall discuss generally the types of information to be disclosed in the Company&#146;s
earnings press releases, as well as in financial information and earnings guidance
provided to analysts, rating agencies and others.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">13.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Quarterly Financial Statements</U>. The Audit Committee shall discuss with the
Company&#146;s management and independent auditor the Company&#146;s quarterly financial
statements, including the Company&#146;s disclosures under &#147;Management&#146;s Discussion and
Analysis of Financial Condition and Results of Operations.&#148;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Controls and Procedures</B></U></TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">14.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Oversight</U>. The Audit Committee shall coordinate the Board of Directors&#146;
oversight of the Company&#146;s internal controls over financial reporting, the Company&#146;s
disclosure controls and procedures and the Company&#146;s code of conduct. The Audit
Committee shall receive and review the reports of the CEO and CFO required by Section&nbsp;302
of the Sarbanes-Oxley Act of 2002 (and the applicable rules thereunder) and Rule&nbsp;13a-14
of the Exchange Act.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">15.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Procedures for Complaints</U>. The Audit Committee shall establish procedures
for (i)&nbsp;the receipt, retention and treatment of complaints received by the Company
regarding accounting, internal accounting controls or auditing matters; and (ii)&nbsp;the
confidential, anonymous submission by employees of the Company of concerns regarding
questionable accounting or auditing matters.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">16.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Related-Party Transactions</U>. The Audit Committee shall review all related
party transactions on an ongoing basis, and all such transactions must be approved by
the Audit Committee.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">17.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Additional Powers</U>. The Audit Committee shall have such other duties as may
be delegated from time to time by the Board of Directors.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>D. Procedures and Administration</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Meetings</U>. The Audit Committee shall meet as often as it deems necessary in
order to perform its responsibilities. The Audit Committee may also act by unanimous
written consent in lieu of a meeting. The Audit Committee shall keep such records of its
meetings as it shall deem appropriate.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Reports to Board</U>. The Audit Committee shall report regularly to the Board of
Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Charter</U>. At least annually, the Audit Committee shall review and reassess
the adequacy of this Charter.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">4.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Independent Advisors</U>. The Audit Committee is authorized, without further
action by the Board of Directors, to engage such independent legal, accounting and other
advisors as it deems necessary or appropriate to carry out its responsibilities. Such
independent advisors may be the regular
advisors to the Company. The Audit Committee is empowered, without further action by the
Board of Directors, to cause the Company to pay the compensation of such advisors as
established by the Audit Committee.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">5.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Investigations</U>. The Audit Committee shall have the authority to conduct or
authorize investigations into any matters within the scope of its responsibilities as it
shall deem appropriate, including the authority to request any officer, employee or
advisor of the Company to meet with the Audit Committee or any advisors engaged by the
Audit Committee.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->30<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">6.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Funding</U>. The Audit Committee is empowered, without further action by the
Board of Directors, to cause the Company to pay the ordinary administrative expenses of
the Audit Committee that are necessary or appropriate in carrying out its duties.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">7.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Annual Self-Evaluation</U>. At least annually, the Audit Committee shall
evaluate its own performance and report its findings to the Board of Directors.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->31<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CITIZENS, INC.</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>AMENDED AND RESTATED</B>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Compensation Committee Charter</B></U>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Adopted March&nbsp;13, 2007</B>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>A. Purpose</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Committee is appointed by the Board of Directors to discharge the Board of Directors&#146;
responsibilities relating to compensation of the Company&#146;s directors and executive officers.
The Committee has overall responsibility for approving and evaluating the director and
executive officer compensation plans, policies and programs of the Company. The Committee is
also responsible for producing a report on executive compensation and for reviewing and
discussing the compensation discussion and analysis (&#147;CD&#038;A&#148;) for inclusion in the Company&#146;s
proxy statement to shareholders.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>B. Structure and Membership</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Number. The Compensation Committee shall consist of at least three members of the
Board of Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Independence. Except as otherwise permitted by the applicable rules of the New
York Stock Exchange, each member of the Compensation Committee shall be an &#147;independent
director&#148; as defined by the applicable rules of the New York Stock Exchange.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Unless the Board of Directors elects a Chair of the Compensation Committee, the
Compensation Committee shall elect a Chair by majority vote.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">4.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Compensation. The compensation, if any, of Compensation Committee members shall be
as determined by the Board of Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">5.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Selection and Removal. Members of the Compensation Committee shall be appointed by
the Board of Directors. The Board of Directors may remove members of the Compensation
Committee from such committee, with or without cause.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>C. Authority and Responsibilities</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>General</B></U></TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Compensation Committee shall discharge its responsibilities, and shall assess the
information provided by the Company&#146;s management in accordance with its business judgment.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Compensation Matters </U></TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Executive Officer Compensation</U>. The Compensation Committee shall review
and approve, or recommend for approval by a majority of the independent directors of the
Board of Directors, executive officer (including the Company&#146;s Chief Executive Officer
(the &#147;CEO&#148;)) compensation, including salary, bonus and incentive compensation levels;
deferred compensation; executive perquisites; equity compensation (including awards to
induce employment); severance
arrangements;</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->32<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>change-in-control benefits and other forms of executive officer
compensation. The Compensation Committee or the independent directors of the Board of
Directors, as the case may be, shall meet without the presence of executive officers when
approving CEO compensation but may, in its or their discretion, invite the CEO to be
present during approval of other executive officer compensation.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Plan Recommendations and Approvals</U>. The Compensation Committee shall
periodically review and make recommendations to the Board of Directors with respect to
incentive-compensation plans and equity-based plans. In addition to any recommendation
provided by the Compensation Committee to the full Board of Directors, the Compensation
Committee shall approve, or recommend for approval by a majority of the independent
directors of the Board of Directors, any tax-qualified, non-discriminatory employee
benefit plans (and any parallel nonqualified plans) for which stockholder approval is not
sought and pursuant to which options or stock may be acquired by officers, directors,
employees or consultants of the Company.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Incentive Plan Administration</U>. The Compensation Committee shall exercise
all rights, authority and functions of the Board of Directors under any and all Company
stock option, stock incentive, employee stock purchase and other equity-based plans.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">4.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Director Compensation</U>. The Committee shall have the sole authority to
approve, amend or terminate for directors: (a)&nbsp;the annual compensation, and (b)&nbsp;any
additional compensation for service on committees of the Board of Directors, service as a
committee chairman, service as a lead director of the independent director sessions of
the Board of Directors, meeting fees or any other benefit payable by virtue of director&#146;s
position as a member of the Board of Directors, except as provided in Paragraph&nbsp;Number 6
below.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">5.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Additional Powers</U>. The Compensation Committee shall have such other duties
as may be delegated from time to time by the Board of Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">6.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Ratification Required by the Board of Directors</U>. The following shall be
presented as a recommendation to the full Board of Directors and approved by the full
Board of Directors: (i)&nbsp;any action, including, but not limited to, the adoption or
amendment of any non-qualified equity compensation plan that is required by law or
regulation to be submitted to the shareholders of the Company for approval, and (ii)&nbsp;any
approval, amendment or termination of change in control agreements/provisions related to
the directors or officers of the Company. In the event the recommendation of the
Committee is not approved by the Board of Directors, the recommended action must be
returned to the Committee for further consideration. Any future Committee recommendation
regarding such item must, again, be presented to the Board of Directors for its approval.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For the purpose of this Charter, a &#147;non-qualified equity compensation plan&#148; shall mean
any plan that does not meet the requirements of Section 401(a) or 423 of the Internal
Revenue Code, as amended or the definition of an &#147;excess benefit plan&#148; within the meaning
of Section&nbsp;3(36) of the Employment Retirement Income Security Act.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">7.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Proxy Statement</U>. The Committee shall produce a report on executive
compensation and review and discuss the CD&#038;A with management for inclusion in the
Company&#146;s proxy statement to shareholders. The Committee shall recommend to the full
Board of Directors that the CD&#038;A
be included in the proxy statement or shall disclose to the full Board of Directors the
reasons that it cannot make such a recommendation.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->33<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">8.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Competitive Compensation Position</U>. The Committee shall annually review
market data to assess the Company&#146;s competitive position of each material component of
executive compensation (especially base salary, annual incentives, long-term incentives,
and supplemental executive benefit programs) by reviewing market data for appropriate
peer companies.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">9.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Cash Effect</U><I>. </I>The Committee shall monitor the cumulative cash effect on the
Company caused by bonus and other cash-based incentive plans of the Company, especially
in relation to the Company&#146;s net income for the applicable year(s).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="3%" nowrap align="left">10.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Stock Ownership Policy</U>. The Committee shall establish and monitor the
stock ownership policy with regard to the officers and directors of the Company and
monitor compliance with this policy.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>D. Procedures and Administration</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">1.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Meetings</U>. The Compensation Committee shall meet as often as it deems necessary in
order to perform its responsibilities. The Compensation Committee may also act by unanimous
written consent in lieu of a meeting. The Compensation Committee shall keep such records of
its meetings as it shall deem appropriate. The Committee shall determine which officers of
the Company or other visitors to invite to the Committee&#146;s meetings. In the sole discretion
of the Committee, the Committee may meet in executive session at any time.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">2.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Reports to Board of Directors</U>. Following each substantive action by the Committee,
the Committee shall make a report to the full Board of Directors at the next regularly
scheduled meeting of the full Board of Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">3.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Charter</U>. The Compensation Committee shall periodically review and reassess the
adequacy of this Charter and recommend any proposed changes to the Board of Directors for
approval.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">4.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Consulting Arrangements</U>. The Compensation Committee shall have the authority to
retain and terminate any compensation consultant to be used to assist in the evaluation of
executive officer compensation and shall have authority to approve the consultant&#146;s fees and
other retention terms. The Compensation Committee shall also have authority to commission
compensation surveys or studies as the need arises. The Compensation Committee is empowered,
without further action by the Board of Directors, to cause the Company to pay the compensation
of such consultants as established by the Compensation Committee.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">5.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Independent Advisors</U>. The Compensation Committee shall have the authority, without
further action by the Board of Directors, to engage such independent legal, accounting and
other advisors as it deems necessary or appropriate to carry out its responsibilities. Such
independent advisors may be the regular advisors to the Company. The Compensation Committee
is empowered, without further action by the Board of Directors, to cause the Company to pay
the compensation of such advisors as established by the Compensation Committee.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">6.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Investigations</U>. The Compensation Committee shall have the authority to conduct or
authorize investigations into any matters within the scope of its responsibilities as it shall
deem appropriate,
including the authority to request any officer, employee or advisor of the Company to meet
with the Compensation Committee or any advisors engaged by the Compensation Committee.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">7.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Annual Self-Evaluation</U>. At least annually, the Compensation Committee shall evaluate
its own performance. The Committee shall annually review its own performance by distributing</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->34<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>to its members a self-assessment. The results of such self-assessment shall be presented to
the Board of Directors at its next meeting.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">8.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Delegation</U>. The Committee may form and delegate authority to subcommittees when it
determines that such action is appropriate under the circumstances. The Committee may not
delegate its duties except to a subcommittee of its members.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">9.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Additional Activities</U>. The Committee shall perform any other activities consistent
with this Charter, the Company&#146;s Bylaws and applicable law, as the Committee deems appropriate
to carry out its assigned duties or as requested by the Board of Directors.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">10.</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Education/Training</U>. The Company is responsible for providing the Committee with
educational resources related to topics pertinent to the work of the Committee and other
material as may be requested by the Committee.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->35<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><IMG src="d46282d4628201.gif" alt="(MAP)">
</DIV>








<DIV align="left" style="font-size: 10pt; margin-top: 6pt">There are several routes to Buchanan Dam, Texas. This map outlines two. If you are leaving
from the north side of Austin, take HWY 183 North towards Lampasas. At Seward Junction, turn left
(west)&nbsp;on HWY 29 towards Burnet. From Seward Junction, it is 35 miles to the property entrance.
Stay on HWY 29. From &#147;downtown&#148; Burnet, Buchanan Dam is approximately 12 miles. At Inks Lake
bridge, you are 1 mile from the entrance to the property which is just past Buchanan Dam on your
right. The entrance to the property has an iron pipe fence with white rock columns. From Mopac
and 183, it is approximately 58 miles to the facility.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">An alternate and more scenic route is HWY 71 (there are several ways to 71 from Austin other than
IH 35). From HWY 71, take HWY 281 North towards Marble Falls. In Marble Falls, turn left on Farm
Road 1431 (Pizza Hut and Shell will be on the left). Follow Farm Road 1431 to HWY 29 at the
flashing red light and turn right. Buchanan Dam is 2.9 miles from this intersection. An old gas
station with a chain link fence around it is on the left side of the road just before the property
entrance. Again, look for the white rock columns and iron pipe fence.
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->36<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<DIV style="font-family: Helvetica,Arial,sans-serif">
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
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    <TD width="6%"></TD>
    <TD width="54%"></TD>
    <TD width="40%"></TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><IMG src="d46282d4628202.gif" alt="(BAR CODE)"></TD>
</TR>
<TR valign="bottom">

    <TD align="left" valign="bottom">&nbsp;&nbsp;</TD>
<TD align="left" valign="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<IMG src="d46282d4628209.gif" alt="(CITIZENS INC. LOGO)">
</TD>

    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>




<DIV align="center">
<TABLE style="font-size: 8pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="24%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="6%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left" nowrap><IMG src="d46282d4628204.gif" alt="(BAR CODE)">&nbsp;&nbsp;<FONT color="#EC008C">C123456789</FONT></TD>
</TR>
<TR style="font-size: 3pt">
<TD colspan="13">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" colspan="8" rowspan="5"><DIV style="margin-left: 30px"><IMG src="d46282d4628203.gif" alt="(BAR CODE)"></DIV></TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left" nowrap><FONT color="#EC008C">000000000.000000 ext&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 000000000.000000 ext</FONT></TD>
</TR>
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><FONT color="#EC008C">000000000.000000 ext &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;000000000.000000 ext</FONT></TD>
</TR>
<TR valign="bottom">
    <TD nowrap valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><FONT color="#EC008C">000000000.000000 ext&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 000000000.000000 ext</FONT><br></TD>
</TR>
<tr>
    <TD colspan="5">&nbsp;</TD>
</tr>
<TR valign="bottom">

    <TD nowrap colspan="1" align="center" valign="top"><br><br><br>
<br>
<B>&nbsp;</B>
</TD>
    <TD>&nbsp;</TD>

<TD colspan="3" valign="top" align="left" style="font-size:10pt"><FONT style="font-size: 10pt"><B>Electronic
Voting Instructions</B></FONT><BR>
<BR style="font-size: 3pt"><FONT style="font-size: 9pt"><B>You can vote by Internet or telephone!<BR>
Available 24 hours a day, 7&nbsp;days a week!</B></FONT><BR>
<BR style="font-size:3pt">
<FONT style="font-size:8pt">Instead of mailing your proxy, you may choose one of the two voting
methods outlined below to vote your proxy.<BR>
<BR style="font-size: 3pt"><FONT style="font-size: 9pt">VALIDATION
DETAILS ARE LOCATED BELOW IN THE TITLE BAR.</FONT><BR>
<BR style="font-size: 3pt"><B>Proxies submitted by the Internet or telephone must be
received by <FONT color="#EC008C">1:00</FONT> a.m., Central Time, on <FONT color="#EC008C">June&nbsp;5, 2007.</FONT></B></FONT></TD>
</TR>
<TR style="font-size: 3pt"><TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <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">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="left" valign="top"><IMG src="d46282d4628205.gif" alt="(INTERNET LOGO)">
</TD>
    <TD>&nbsp;</TD>

<TD align="left" valign="top"><B><font style="font-size: 10pt">Vote by Internet</FONT></B> <br>
<DIV style="margin-left:21px; text-indent:-21px">&nbsp;&nbsp;<B>&#149;</B>&nbsp;&nbsp; Log on to the Internet and go to </DIV>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>www.investorvote.com</B><br></TD>
</TR>
<TR valign="bottom">
    <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">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="margin-left:21px; text-indent:-21px">&nbsp;&nbsp;<B>&#149;</B>&nbsp;&nbsp; Follow the steps outlined on the secured
website.</DIV></TD>
</TR>
<TR valign="bottom">
    <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">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>

<TD align="left" valign="top"><IMG src="d46282d4628206.gif" alt="(TELEPHONE LOGO)">
</TD>
    <TD>&nbsp;</TD>

<TD align="left" valign="top"><B><font style="font-size: 10pt">Vote by telephone</FONT></B> <br>
<DIV style="margin-left:21px; text-indent:-21px">&nbsp;&nbsp;<B>&#149;</B> &nbsp;&nbsp; Call toll free 1-800-652-VOTE (8683)&nbsp;within the United
States, Canada &#038; Puerto Rico any time on a touch tone
telephone. There is <B>NO CHARGE </B>to you for the call.</DIV></TD>
</TR>
<TR valign="bottom">
    <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">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="margin-left:21px; text-indent:-21px">&nbsp;&nbsp;<B>&#149;</B>&nbsp;&nbsp; Follow the instructions provided by the
recorded message.</DIV></TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <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">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">




<TD colspan="3" valign="top" align="left"><DIV style="margin-left: 10%">Using a <B><u>black ink</u></B> pen, mark your votes with an <B> X </B>as shown in
this example. Please do not write outside the designated areas.</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="MIDDLE" style="border-top: 1px solid #000000; border-BOTTOM: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000"><div style="font-size: 18pt">X</div></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right" valign="top">&nbsp;</TD>
    <TD align="right" valign="top">&nbsp;</TD>
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left" style="font-size:8pt"><B>&nbsp;</B></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>




<DIV align="left" style="font-size: 6pt; margin-top: 6pt"><IMG width="100%" src="d46282d4628207.gif" alt="(LOGO)"></DIV>

<DIV align="center" style="font-size: 6pt; margin-top: 3pt"><FONT face="webdings">&#054;</FONT>
<B>IF YOU HAVE NOT VOTED VIA THE INTERNET <U>OR</U> TELEPHONE,
FOLD ALONG THE PERFORATION,
DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.
</B><FONT face="webdings">&#054;</FONT></DIV>


<DIV align="center"><DIV style="font-size: 3pt; margin-top: 6pt; width: 100%; border-top: 1px dashed #EC008C">&nbsp;</DIV></DIV>




<DIV align="center">
<TABLE style="font-size: 8pt" cellspacing="0" border="0" cellpadding="0" width="98%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size: 3pt">
    <TD width="15%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="16%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="7%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR>
<TD colspan="15"><DIV align="left" style="font-size: 8pt;margin-left: 0%"><B><B><FONT STYLE="BACKGROUND-color:black; COLOR:WHITE; font-size: 10pt">&nbsp;A&nbsp;</FONT></B>
<font style="font-size: 9pt"> <B>Proposals &#151; The Board of Directors recommends a vote </B><U><B>FOR</B></U><B> all the nominees listed and</B>
<U><B>FOR</B></U><B> Proposal 2.</B></FONT></B>
</DIV></TD>
    <TD>&nbsp;</TD>

    <TD align="right" rowspan="2" valign="top" style="font-size: 24pt"><B>&#043;</B></TD>
</TR>
<TR>
<TD colspan="15"><DIV align="left" style="font-size: 8pt; margin-left: 0%; margin-top: 2pt">1.&nbsp;Election of Directors to serve until the next annual meeting of shareholders or until their
successors are duly elected and qualified.</DIV>
</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>For</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Withhold</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>For</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Withhold</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>For</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Withhold</B></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;01 - Dr.&nbsp;E. Dean Gage
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">02 - Steven F. Shelton
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" nowrap>03 - Timothy T. Timmerman</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
</TR>
<TR style="font-size: 3pt">
<TD colspan="17">&nbsp;</TD>
</TR>
<TR valign="bottom">

<TD valign="top" nowrap><DIV style="margin-left:0px; text-indent:-0px">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;04
- - Dr. Robert B. Sloan, Jr.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings" size="2">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;
</TD>
</TR>

<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center">
<TABLE style="font-size: 8pt" cellspacing="0" border="0" cellpadding="0" width="98%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size: 1pt">
    <TD width="32%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top" nowrap><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>For</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Against</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Abstain</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:15px; text-indent:-15px">2. To ratify the appointment of Ernst &#038; Young LLP as the Company&#146;s registered independent public
accounting firm for 2007.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><FONT face="Webdings">&#099;</FONT>
</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" colspan="7" valign="top"><DIV style="margin-left:15px; text-indent:-15px">3. To transact such other business as may properly come before the meeting or any adjournment
thereof.</DIV>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="font-size: 24pt">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV style="position: relative; float: left; width: 75%">


<DIV align="center">
<TABLE style="font-size: 8pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size: 4pt">
    <TD width="2%">&nbsp;</TD>
    <TD width="11%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="11%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="28%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->


<TR valign="bottom">
    <TD>&nbsp;</TD>

<TD colspan="8" align="left" valign="top"><B><FONT STYLE="BACKGROUND-color:black; COLOR:WHITE; font-size: 10pt">&nbsp;B&nbsp;</FONT>&nbsp;</B><B><font style="font-size: 10pt">Non-Voting
Items</FONT><br>Change of Address</b> &#151; Please print new address below.
</td>
</TR>

<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD style="border: 1px solid #000000" colspan="9"><BR><BR>&nbsp;</TD>

</TR>
<!-- End Table Body -->
</TABLE>
</DIV>
</DIV>

<DIV style="position: relative; float: right; width: 23%">
<DIV align="center">
<TABLE style="font-size: 8pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="85%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>Special Action</B><BR>
Mark the box to the right if you
would like to discontinue Annual
Report Mailing for this Account.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="font-size:8pt">&nbsp;</DIV><FONT face="Webdings" size=3>&#099;</FONT></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

</DIV>
<BR clear="all">


<DIV align="center">
<TABLE style="font-size: 8pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size: 4pt">
    <TD width="2%">&nbsp;</TD>
    <TD width="11%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="11%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->

<TR valign="bottom">
    <TD>&nbsp;</TD>


<TD colspan="8" align="left" valign="top"><B><FONT STYLE="BACKGROUND-color:black; COLOR:WHITE; font-size: 10pt">&nbsp;C&nbsp;</FONT>&nbsp;</B><B><font style="font-size: 10pt">Authorized
Signatures &#151; This section must be completed for your vote to be
counted. &#151; Date and Sign Below</FONT></b></td>
    <TD align="left" valign="top">&nbsp;</TD>

</TR>

<TR valign="bottom" style="font-size: 4pt">
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD colspan="7" align="left" valign="top">&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>

</TR>

<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD colspan="7" valign="top" align="left">Please sign exactly as name(s) appears hereon. Joint owners should each sign. When signing as
attorney, executor, administrator, corporate officer, trustee, guardian, or custodian, please give
full title.
</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left" nowrap>Date (mm/dd/yyyy) &#151; Please print date below.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" nowrap>Signature 1 &#151; Please keep signature within the box.</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" nowrap>Signature 2 &#151; Please keep signature within the box.</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left" style="border-top: 1px solid #000000;border-left: 1px solid #000000; border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000; border-top: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000; border-top: 1px solid #000000; border-left: 1px solid #000000; border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="border-left: 1px solid #000000; border-right: 0px solid #000000"><DIV style="margin-left:0px; text-indent:-0px; font-size:24pt">/</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-left: 0px solid #000000; border-right: 0px solid #000000"><FONT style="font-size:24pt">/</font></TD>
    <TD style="border-left: 1px solid #000000; border-right: 0px solid #000000">&nbsp;</TD>
    <TD align="left" valign="top" style="border-left: 1px solid #000000; border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-left: 1px solid #000000; border-right: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR style="font-size: 1px">
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left" style="border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000; border-top: 1px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
    <TD width="4%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="21%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="left" valign="top" colspan="10"><IMG width ="100%" src="d46282d4628208.gif" alt="(BAR CODE)">
</TD>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio --><!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>


<DIV style="font-family: Helvetica,Arial,sans-serif">


<DIV align="center" style="font-size: 6pt; margin-top: 200pt"><FONT face="webdings"><font style="font-size: 10pt">&#054;</FONT></FONT>
<B>IF YOU HAVE NOT VOTED VIA THE INTERNET <U>OR</U> TELEPHONE,  FOLD ALONG THE PERFORATION,
DETACH AND RETURN THE BOTTOM PORTION IN THE ENCLOSED ENVELOPE.</B><FONT face="webdings"><font style="font-size: 10pt">&#054;</FONT></FONT></DIV>


<DIV align="center"><DIV style="font-size: 3pt; margin-top: 6pt; width: 100%; border-top: 1px dashed #EC008C">&nbsp;</DIV></DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 3%">
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">
<TABLE border="0" width="100%">
<TR>
<TD width="1%"><IMG src="d46282d4628209.gif" alt="(CITIZENS INC. LOGO)"></TD>
<TD width="99%" style="font-size: 10pt">&nbsp;
</TD></TR>
</TABLE>
</DIV>

<DIV align="center"><DIV style="font-size: 3pt; margin-top: 16pt; width: 100%; border-top: 2px solid #000000; margin-left: 2%">&nbsp;</DIV></DIV>


<DIV align="left" style="font-size: 12pt; margin-top: 2pt; margin-left: 2%"><B>Proxy &#151; Citizens, Inc.</B>
</DIV>

<DIV align="center"><DIV style="font-size: 3pt; margin-top: 2pt; width: 100%; border-top: 2px solid #000000; margin-left: 2%">&nbsp;</DIV></DIV>

<DIV align="left" style="font-size: 12pt; margin-top: 6pt; margin-left: 2%"><B>Notice of Annual Meeting of Shareholders of Citizens, Inc.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 2%"><B>Executive Offices: 400 East Anderson Lane, Austin, Texas 78752</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 2%">Notice is hereby given that the Annual Meeting of Shareholders of Citizens, Inc. will be held
Tuesday, June&nbsp;5, 2007, at 10:00&nbsp;a.m., Central Daylight Time, at <B>Citizens Academy, 18617 East
Highway 29, Buchanan Dam, Texas 78609, for the purposes stated on the reverse side of this proxy.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 2%"><B>Shares represented by this proxy will be voted by the stockholder. If no such directions are
indicated, the Proxies will have authority to vote FOR Proposals 1 and 2.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 2%"><B>In their discretion, the Proxies are authorized to vote upon such other business as may properly
come before the meeting.</B></DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 12pt; margin-left: 2%">It is important, regardless of the number of shares you hold, that your stock be represented at the
meeting by a signed proxy card or personal attendance.
</DIV>

<DIV align="justify" style="font-size: 10pt; margin-top: 12pt; margin-left: 2%">(Items to be voted appear on reverse side.)
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio --><!-- /Folio -->
</DIV>
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`
end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
