**EXHIBIT 99.1, Continued****Investment income**— The increase in 2010 investment income was due primarily to a higherlevel of invested assets held in fixed maturity securities, reflecting additional premium incomeinvested related to new business over the past year. **•** 2010 investment income — A significant portion of the investment portfolio is held incallable debt securities. Late in the second quarter of 2010, the Company saw an increasein calls of higher-yielding fixed-maturity investments, leading to the higher quarter-endcash balance. As interest rates decline, increased call activity is expected, which islikely to result in lowered investment income. **•** 2009 investment income — During the second quarter of 2009, the Company experienced alarge volume of calls of fixed-maturity investments. The proceeds of those calls were notreinvested until later in the year, depressing 2009 yields and investment income.**Investment portfolio**— Realized gains in the 2010 periods were primarily driven by opportunisticsales of equity holdings and late second-quarter interest-rate-driven sales of fixed maturityinvestments. In the 2009 periods, the gains reflected sales of fixed maturity securities offset byother-than-temporary impairments recorded in the first quarter of 2009. **•** Invested assets — Total invested assets grew 1.8% to $683.4 million at June 30, 2010,from $671.3 million at year-end 2009. Total assets increased to $972.5 million at June 30,2010, from $927.3 million at year-end 2009. **•** Debt securities — Investment income from debt securities accounted for approximately84.7% of total investment income for the six months ended June 30, 2010, with 98.3% of thisportfolio held in investment grade securities.**Investor Conference Call**On Monday, August 9, Citizens will host a conference call to discuss operating results at 9 a.m.Central Daylight Time. The conference call will be hosted by Rick D. Riley, Vice Chairman andPresident, Kay Osbourn, Chief Financial Officer, and other members of the Company’s managementteam. To participate in the Citizens conference call, please dial (877) 419-5392. When prompted,enter confirmation code #90745738. We recommend accessing the call 3 to 5 minutes in advance of thescheduled start time. Following the completion of the call, the Company will make a recordingavailable on Citizens’ website at http://www.citizensinc.com in the Investor Information sectionunder News Release & Publications.**About Citizens, Inc.**Citizens, Inc. is a financial services company listed on the New York Stock Exchange under thesymbol CIA. The Company’s three growth strategies are: worldwide sales of U.S. Dollar-denominatedwhole life cash value insurance policies, sales of life insurance products in the U.S. and theacquisition of other U.S. based life insurance companies.For financial statements and other financial details our Quarterly Report on Form 10-Q for thethree and six-month period ended June 30, 2010, is available athttp://www.citizensinc.com/cit/e/id6.shtml.**Safe Harbor**Information herein contains forward-looking statements within the meaning of the PrivateSecurities Litigation Reform Act of 1995, which can be identified by words such as “may,” “will,”“expect,” “anticipate” or “continue” or comparable words. In addition, all statements other thanstatements of historical facts that address activities that the Company expects or anticipates willor may occur in the future are forward-looking statements. Readers are encouraged to read the SECreports of the Company, particularly its Form 10-K for the fiscal year ended December 31, 2009, itsquarterly reports on Form 10-Q and its current reports on Form 8-K, for the meaningful cautionarylanguage disclosing why actual results may vary materially from those anticipated by management.The Company undertakes no duty or obligation to update any forward-looking statements contained inthis release as a result of new information, future events or changes in the Company’sexpectations. The Company also disclaims any duty to comment upon or correct information that maybe contained in reports published by the investment community.