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|                                                        |
| CITIZENS, INC.                                         |
| (Exact name of registrant as specified in its charter) |

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|                                                                |  |
| Colorado                                                       | 84-0755371 |
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) |
|                                                           |   |
| 2900 Esperanza Crossing, Austin, Tx                            | 78758 |
| (Address of principal executive offices)                       | (Zip Code) |

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|        |  |  |
|   | (512) 837-7100 |   |

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|   | 400 East Anderson Lane, Austin, Tx 78752 |   |

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|                                                                                                                                                                                                                                                                                                                                                                                                                                                 |  |  |  |  |
| Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. x Yes     o  No                                                             |
|                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).                           x Yes     o  No |
|                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definition of "large accelerated filer", "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):                                                                                                                       |
| Large accelerated filer      ̈                                                                                                                                                                                                                                                                                                                                                                                                              | Accelerated filer     x | Non-accelerated filer      ̈ | Smaller reporting company      ̈ | Emerging growthcompany     ̈ |
|                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |   |   |   |
| If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.   ̈                                                                                                                  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).  ̈ Yes x No                                                                                                                                                                                                                                                                                                      |

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|          |
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|          |  |  |  |
|     |   |   | Page Number |
| Part I.  | Financial Information |   |
|     |   |   |   |
|     | Item 4. | Controls and Procedures | 2 |
|     |   |   |   |
| Part II. | Other Information |   |
|     |   |   |   |
|     | Item 6. | Exhibits | 2 |

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Table of Contents

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|----------------|
|                |  |  |
| Exhibit Number |   | The following exhibits are filed herewith: |
|           |   |   |
| 31.1           |   | Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act* |
|           |   |   |
| 31.2           |   | Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act* |
|           |   |   |
| 32.1           |   | Certification of Chief Executive Officer pursuant to Section 906 of the Sarbanes-Oxley Act* |
|           |   |   |
| 32.2           |   | Certification of Chief Financial Officer pursuant to Section 906 of the Sarbanes-Oxley Act* |
|           |   | __________________ |

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Table of Contents

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|        |  |  |  |
|   |   | CITIZENS, INC. |
|   |   |   |
|   |   |   |   |
|   |   | By: | /s/ Geoffrey M. Kolander |
|   |   |   | Geoffrey M. Kolander |
|   |   |   | President and Chief Executive Officer |
|   |   |   |   |
|   |   |   |   |
|   |   | By: | /s/ Kay E. Osbourn |
|   |   |   | Kay E. Osbourn |
|   |   |   | Executive Vice President, Chief Financial Officer, |
|   |   |   | and Chief Investment Officer |
|   |   |   |   |
|   |   |   |   |
| Date:  | November 13, 2017 |   |   |