CITIZENS INC. EXPAND EPS THROUGH REVENUE GROWTH AND OPERATING LEVERAGE INHERENT IN OUR BUSINESS MODEL SEPTEMBER 2025 WWW.CITIZENSINC.COM 2 NYSE: CIA SAFE HARBOR STATEMENT This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, that involve risks and uncertainties. All statements other than statements of historical facts contained in this presentation, including statements regarding Citizens' (the "Company") future results of operation ...