<SEC-DOCUMENT>0000024090-24-000164.txt : 20241010
<SEC-HEADER>0000024090-24-000164.hdr.sgml : 20241010
<ACCEPTANCE-DATETIME>20241010122045
ACCESSION NUMBER:		0000024090-24-000164
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20240705
FILED AS OF DATE:		20241010
DATE AS OF CHANGE:		20241010

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Kinlaw Sheryl L
		CENTRAL INDEX KEY:			0001872883
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		241364514

	MAIL ADDRESS:	
		STREET 1:		11815 ALTERRA PKWY
		STREET 2:		FLOOR 15
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78758

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS, INC.
		CENTRAL INDEX KEY:			0000024090
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		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>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>wk-form4_1728577238.xml
<DESCRIPTION>FORM 4
<TEXT>
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    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2024-07-05</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

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

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001872883</rptOwnerCik>
            <rptOwnerName>Kinlaw Sheryl L</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>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Legal Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>0</aff10b5One>

    <nonDerivativeTable>
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                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-07-05</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>L</transactionCode>
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            <transactionAmounts>
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                    <value>182.4148</value>
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                <transactionPricePerShare>
                    <value>2.70</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
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        <nonDerivativeTransaction>
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                </transactionPricePerShare>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-08-09</value>
            </transactionDate>
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                <transactionCode>L</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
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            <transactionAmounts>
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                </transactionShares>
                <transactionPricePerShare>
                    <value>2.79</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
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            <transactionDate>
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                <equitySwapInvolved>0</equitySwapInvolved>
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                <transactionPricePerShare>
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                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-09-06</value>
            </transactionDate>
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                <transactionFormType>4</transactionFormType>
                <transactionCode>L</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
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            <transactionAmounts>
                <transactionShares>
                    <value>153.7009</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>3.21</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
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                <sharesOwnedFollowingTransaction>
                    <value>37927.7064</value>
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        <nonDerivativeTransaction>
            <securityTitle>
                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2024-09-20</value>
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                <transactionShares>
                    <value>152.4171</value>
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                <transactionPricePerShare>
                    <value>3.24</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
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                <sharesOwnedFollowingTransaction>
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        <nonDerivativeTransaction>
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                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
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                <transactionFormType>4</transactionFormType>
                <transactionCode>L</transactionCode>
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                </transactionPricePerShare>
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        <nonDerivativeTransaction>
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                <value>Citizens, Inc. Class A Common Stock</value>
            </securityTitle>
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                <transactionFormType>4</transactionFormType>
                <transactionCode>J</transactionCode>
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            <transactionAmounts>
                <transactionShares>
                    <value>0.8085</value>
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                <transactionPricePerShare>
                    <value>4.66</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
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                </transactionAcquiredDisposedCode>
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    </nonDerivativeTable>

    <derivativeTable></derivativeTable>

    <footnotes>
        <footnote id="F1">These shares were purchased through the Citizens, Inc. Stock Investment Plan as part of regular contribution.</footnote>
        <footnote id="F2">These fractional shares were sold through Computershare, plan administrator for the Citizens, Inc. Stock Investment Plan.   The net proceeds of the sale to the holder was $0.00.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/Sheryl Kinlaw, Chief Legal Officer</signatureName>
        <signatureDate>2024-10-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
