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Citizens CIA Liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities

Liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities at other companies

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Ameriprise FinancialAMP
$46.4B+10.7%
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ProAssurancePRA
$3.45B-6.0%
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General ElectricGE
$24.95B+0.9%
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General ElectricGE
$990M-11.4%
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Horace Mann EducatorsHMN
$1.58B-3.4%
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KemperKMPR
-$400K-300%

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 cia:LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpenseAndPolicyholderLiabilities.

The official record: Citizens’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens's liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities?
Citizens (CIA) reported liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities of $1.46B in Q4 2025.
How has Citizens's liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities changed year-over-year?
Citizens's liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities increased by 3.1% year-over-year, from $1.42B to $1.46B.
What is the long-term trend for Citizens's liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities?
Over 5 years (2020 to 2025), Citizens's liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities has grown at a 0.4% compound annual growth rate (CAGR), from $1.44B to $1.46B.
What does liability for future policy benefits and unpaid claims and claims adjustment expense and policyholder liabilities mean?
This represents the actuarial present value of future benefits that the insurer expects to pay to policyholders, adjusted for expected future premiums and investment returns. It is a primary indicator of the long-term financial burden associated with the company's life insurance portfolio. Changes in this liability reflect shifts in mortality assumptions, interest rate environments, and the overall growth of the insurance book.