<SEC-DOCUMENT>0000024090-23-000070.txt : 20230608
<SEC-HEADER>0000024090-23-000070.hdr.sgml : 20230608
<ACCEPTANCE-DATETIME>20230608151540
ACCESSION NUMBER:		0000024090-23-000070
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20230203
FILED AS OF DATE:		20230608
DATE AS OF CHANGE:		20230608

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			DAVIS CYNTHIA H
		CENTRAL INDEX KEY:			0001877835

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		231001701

	MAIL ADDRESS:	
		STREET 1:		PO BOX 149151
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78714

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:		11815 ALTERRA PKWY
		STREET 2:		SUITE 1500
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78758
		BUSINESS PHONE:		5128377100

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CONTINENTAL INVESTORS LIFE INC
		DATE OF NAME CHANGE:	19881222
</SEC-HEADER>
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<TYPE>4
<SEQUENCE>1
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<DESCRIPTION>FORM 4
<TEXT>
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    <periodOfReport>2023-02-03</periodOfReport>

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    <issuer>
        <issuerCik>0000024090</issuerCik>
        <issuerName>CITIZENS, INC.</issuerName>
        <issuerTradingSymbol>CIA</issuerTradingSymbol>
    </issuer>

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        <reportingOwnerId>
            <rptOwnerCik>0001877835</rptOwnerCik>
            <rptOwnerName>DAVIS CYNTHIA H</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>11815 ALTERRA PARKWAY, SUITE 1500</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>AUSTIN</rptOwnerCity>
            <rptOwnerState>TX</rptOwnerState>
            <rptOwnerZipCode>78758</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle></officerTitle>
            <otherText></otherText>
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    </reportingOwner>

    <aff10b5One>0</aff10b5One>

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                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2023-02-03</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
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                <transactionPricePerShare>
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                <transactionAcquiredDisposedCode>
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            <transactionDate>
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                <transactionPricePerShare>
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                <transactionAcquiredDisposedCode>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
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            <transactionDate>
                <value>2023-05-05</value>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2023-06-07</value>
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                <transactionCode>M</transactionCode>
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    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Restricted Stock Units</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F2"/>
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            <transactionDate>
                <value>2023-06-06</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>18182</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <footnoteId id="F3"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>18182.0</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>18182</value>
                </sharesOwnedFollowingTransaction>
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                    <value>D</value>
                </directOrIndirectOwnership>
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        </derivativeTransaction>
        <derivativeTransaction>
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                <value>Restricted Stock Units</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <footnoteId id="F2"/>
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            </transactionDate>
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                <transactionCode>M</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionAmounts>
                <transactionShares>
                    <value>8333</value>
                </transactionShares>
                <transactionPricePerShare>
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                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
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            <exerciseDate>
                <footnoteId id="F4"/>
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            <expirationDate>
                <footnoteId id="F4"/>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Class A Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
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                </underlyingSecurityShares>
            </underlyingSecurity>
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                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
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                    <value>D</value>
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        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular monthly payroll deduction.</footnote>
        <footnote id="F2">Each restricted stock unit represents a contingent right to receive one share of Citizens, Inc. Class A common stock.</footnote>
        <footnote id="F3">On June 6, 2023, the reporting person was granted 18,182 restricted stock units, vesting on June 6, 2024.</footnote>
        <footnote id="F4">On June 7, 2022, the reporting person was granted 8,333 restricted stock units, vesting on June 7, 2023.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/Sheryl Kinlaw, Attorney-in-Fact</signatureName>
        <signatureDate>2023-06-08</signatureDate>
    </ownerSignature>
</ownershipDocument>
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
