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Citizens CIA Permanent Limited Pay — Expected future benefit payments

Other product segments

Permanent
121,769,300,000%+0.7%
Life Insurance Product Line
116,738,600,000%-0.8%
International Insurance, Permanent
89,082,400,000%
Domestic Insurance, Life Insurance, Permanent
32,686,900,000%
International Insurance, Permanent Limited Pay
16,260,900,000%
Domestic Insurance, Life Insurance, Permanent Limited Pay
13,671,800,000%
Accident and Health Insurance Product Line
139,900,000%+25.7%

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HMNLimited-Pay Whole Life — Expected future benefits and expenses, undiscounted
$339.4M+9.8%
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HMNLimited-Pay Whole Life — Expected future benefits and expenses, discounted
$118.5M+3.0%
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HMNLimited-Pay Whole Life — Liability for Future Policy Benefit, Expected Future Policy Benefit, before Reinsurance, after Discount Rate Change
$88.1M+0.5%
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HMNLimited-Pay Whole Life — Net liability for future policy benefits
$54.1M+0.7%
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AMPLong Term Care Insurance — Expected future benefit payments
$10.11B-2.7%

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×

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 permanent limited pay — expected future benefit payments?
Citizens (CIA) reported permanent limited pay — expected future benefit payments of 29,932,700,000% in Q1 2026.
How has Citizens's permanent limited pay — expected future benefit payments changed year-over-year?
Citizens's permanent limited pay — expected future benefit payments increased by 0.0% year-over-year, from 29,918,900,000% to 29,932,700,000%.
What is the long-term trend for Citizens's permanent limited pay — expected future benefit payments?
Over 3 years (2022 to 2025), Citizens's permanent limited pay — expected future benefit payments has grown at a -2.7% compound annual growth rate (CAGR), from 131,414,800,000% to 121,007,000,000%.
What does permanent limited pay — expected future benefit payments mean?
Represents the actuarial estimate of the total cash outflows required to satisfy future insurance claims and benefits for the Permanent Limited Pay segment. It is a core indicator of the long-term financial commitment the company has made to its policyholders.