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Citizens CIA Domestic Insurance, Life Insurance, Permanent — Expected future benefit payments

Other product segments

Permanent
$1.22B+0.7%
Life Insurance Product Line
$1.17B-0.8%
International Insurance, Permanent
$890.82M
Permanent Limited Pay
$299.33M0.0%
International Insurance, Permanent Limited Pay
$162.61M
Domestic Insurance, Life Insurance, Permanent Limited Pay
$136.72M
Accident and Health Insurance Product Line
$1.4M+25.7%

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AFLLife insurance — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$694M+10.0%
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GLLife — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$340.03M-2.5%
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FGTraditional Life — Expected future benefit payments
$1.79B-7.4%
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CINFTerm Life Insurance — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$50M-7.4%
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CBSegment Life — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$572M+2.9%
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KKROther — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$244.44M+10.4%

Other financials

Income statement

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Revenue$59.7M+7.3%
Net income$2.3M+240%
EPS (diluted)$0.04+233%

Balance sheet

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Cash & equivalents$18.5M+0.9%
Total debt$7.4M-5.5%
Total equity$238.7M+9.4%
Total assets$1.7B+2.2%

Cash flow

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Operating cash flow-$323.0K-143%
CapEx$326.0K+205%
Free cash flow-$649.0K-201%

Valuation

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Market cap$300.79M+65.2%
P/E16.3×-4.5×
P/S1.2×+0.4×

Profitability

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Net margin7.1%+3.5pp
FCF margin6.3%-4.1pp

Returns & leverage

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Return on equity8.1%+3.9pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeReinsuranceAfterDiscountRateChange.

The official record: Citizens’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens's domestic insurance, life insurance, permanent — expected future benefit payments?
Citizens (CIA) reported domestic insurance, life insurance, permanent — expected future benefit payments of $326.87M in Q1 2026.
What does domestic insurance, life insurance, permanent — expected future benefit payments mean?
This represents the projected cash outflows for benefit payments to policyholders in the permanent life insurance segment over the duration of the contracts. It captures the anticipated claims and maturity benefits that the company must fund. This metric is critical for liquidity planning and long-term capital adequacy assessment.