<SEC-DOCUMENT>0001209191-13-003909.txt : 20130123
<SEC-HEADER>0001209191-13-003909.hdr.sgml : 20130123
<ACCEPTANCE-DATETIME>20130123095719
ACCESSION NUMBER:		0001209191-13-003909
CONFORMED SUBMISSION TYPE:	5
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20121231
FILED AS OF DATE:		20130123
DATE AS OF CHANGE:		20130123

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Teaff Grant Garland
		CENTRAL INDEX KEY:			0001293134

	FILING VALUES:
		FORM TYPE:		5
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		13541734

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 149151
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78714-9151

ISSUER:		

	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

	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>
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    <footnotes>
        <footnote id="F1">These shares were purchased through the Citizens Stock Investment Plan as part of regular monthly payroll deduction.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/Grant G. Teaff</signatureName>
        <signatureDate>2013-01-23</signatureDate>
    </ownerSignature>
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