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Citizens CIA International Insurance, Permanent Limited Pay — 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
Domestic Insurance, Life Insurance, Permanent
$326.87M
Permanent Limited Pay
$299.33M0.0%
Domestic Insurance, Life Insurance, Permanent Limited Pay
$136.72M
Accident and Health Insurance Product Line
$1.4M+25.7%

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$10M0.0%

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 international insurance, permanent limited pay — expected future benefit payments?
Citizens (CIA) reported international insurance, permanent limited pay — expected future benefit payments of $162.61M in Q1 2026.
What does international insurance, permanent limited pay — expected future benefit payments mean?
This metric tracks the projected cash outflows required to satisfy future insurance benefit claims for the permanent limited pay segment. It serves as a primary indicator of the company's long-term commitment to policyholders and the scale of its insurance obligations. Analyzing these payments helps in assessing the adequacy of reserves and liquidity planning.