Legal Disclosure

The following legal disclosure governs your use of this website.  This website is owned by Citizens, Inc., its subsidiaries and affiliates.  When used in this legal disclosure, “we” and “our” means Citizens, Inc. and “you” and “your” means any individual or company that accesses this website.  This website’s content is copyrighted and protected by U.S. and worldwide copyright laws.  You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website without the prior written permission of Citizens, Inc.

We may provide links to third party websites for your convenience and information.  We do not control or review those websites.  By clicking on those external links, you are assuming the responsibility and risk for your use of those websites.

We make every effort to provide accurate and current material on this website.  However, we make no warranties, express or implied, or representations about the suitability of the website content for any particular purpose.

This website, together with information filed and furnished with the Securities and Exchange Commission, contains information that includes or is based upon forward-looking statements within the meaning of the federal securities laws.  Forward-looking statements give our expectations or forecasts of future events.  All forward-looking statements should be read in conjunction with the additional information about risks and uncertainties set forth in our Securities and Exchange Commission reports and our annual report on form 10-K for the most recently ended reportable year.

Nothing in this website constitutes investment advice, including our filings with the Securities and Exchange Commission.  Our investor relations materials and other content are not offers to sell or solicitations of any offer to buy any securities or insurance products.  Additionally, Citizens, Inc. does not authorize its agents or employees to give legal or tax advice.