Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Galindo, Arias & Lopez
 2. Date of Event Requiring Statement (Month/Day/Year)
08/09/2005		 3. Issuer Name and Ticker or Trading Symbol
CITIZENS INC [CIA]
(Last)
(First)
(Middle)
SCOTIA PLAZA, 9TH FLOOR, FEDERICO BOYD AVENUE 18 AND 51 STREET		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director __X__ 10% Owner
_____ Officer (give title below) _____ Other (specify below)
5. If Amendment, Date Original Filed(Month/Day/Year)
(Street)

PANAMA, R1 5		 6. Individual or Joint/Group Filing(Check Applicable Line)
___ Form filed by One Reporting Person
_X_ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Class A Common Stock, no par value 17,426,592
I
See Remarks (1)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Galindo, Arias & Lopez
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
Gala Management Services, Inc.
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
GAMASE Insureds Trust
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
Regal Trust (BVI) Ltd.
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
CICA Policyholders Trust
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
GAMASE Agents Trust
SCOTIA PAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		       See Remarks
CICA Associates Trust
SCOTIA PAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		       See Remarks

Signatures

Tomas Herrera 10/06/2005
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
 
Remarks:
(1) These shares may be deemed to be directly owned by the following entities: 
A. Gala Management Services, Inc., a wholly-owned subsidiary of Galindo, Arias & Lopez (the "Reporting Person"), may, as 
trustee for GAMASE Insureds Trust and GAMASE Agents Trust, may be deemed to directly own the combined 10,872,844 shares 
held in such trusts (which constitute more than 10% of the issuer's outstanding common stock). 
B. GAMASE Insureds Trust may be deemed to directly own 10,309,097 shares held in such trust (which constitute more than 10% 
of the issuer's outstanding common stock). 
C. GAMASE Agents Trust may be deemed to directly own 563,747 shares held in such trust. 
D. Regal Trust (BVI) Ltd., a wholly-owned subsidiary of the Reporting Person, as trustee for CICA Policyholders Trust and 
CICA Associates Trust, may be deemed to directly own the combined 6,553,748 shares held in such trusts (which constitute 
more than 10% of the issuer's outstanding common stock). 
E. CICA Policyholders Trust may be deemed to directly own 5,834,804 shares held in such trust (which constitute more than 
10% of the issuer's outstanding common stock). 
F. CICA Associates Trust may be deemed to directly own 718,944 shares held in such trust. 


The reporting person is a member of a Section 13(d) group that may be deemed to own more than 10% of the issuer's outstanding
common stock. There are seven members of such group. With the exception of the Reporting Person, each of the foregoing 
persons are joint filers, as permitted under Rule 16(a)-3(j) of the Securities Exchange Act of 1934, as amended. Each 
member of such group disclaims any beneficial ownership or pecuniary interest in any of the shares reported herein. The 
more than 74,000 beneficiaries of the trusts, respectively, retain all such beneficial ownership and pecuniary interest. 

Exhibit List 

Exhibit 99 - Joint Filer Information

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