Related Party Transactions and Outside Related Director Information

Citizens, Inc. (CIA)

4/28/2006 Proxy Information

We are not aware of any transaction, or series of transactions, since January 1, 2005, 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 $60,000 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.

Rick D. Riley is the son of Harold E. Riley and brother of Ray A. Riley.