Citizens CIA International Insurance, Permanent — Expected future benefit payments

Other product segments

Permanent

$1.22B+0.7%

Life Insurance Product Line

$1.17B-0.8%

Domestic Insurance, Life Insurance, Permanent

$326.87M—

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%

Similar metrics at other companies

CNAInternational — Future policy benefits

$0—

UNMUnum International — Expected future benefit payments

$4.63B+4.4%

FGImmediate annuities — Expected future benefit payments

$1.24B-4.2%

CRBGIndividual Retirement — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment

$30M+3.4%

PRUInternational Businesses — Liability for Future Policy Benefit, Expected Future Policy Benefit, Amortization

$536M+2.7%

UNMUnum International — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment

$158.3M+14.0%

Other financials

Income statement

See full

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 / equity0×0.0×

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 international insurance, permanent — expected future benefit payments?: Citizens (CIA) reported international insurance, permanent — expected future benefit payments of $890.82M in Q1 2026.
What does international insurance, permanent — expected future benefit payments mean?: This metric estimates the total future cash outflows required to satisfy benefit obligations for the permanent international insurance segment. It is used by management to forecast liquidity needs and ensure sufficient capital is allocated to meet long-term policyholder commitments.