EXHIBIT 99.2

                    Certification of Chief Financial Officer
              of Citizens, Inc. Pursuant to 18 U.S.C. Section 1350


         I, David J. Mehle, certify that:

         In connection with the Annual Report on Form 10-K of Citizens, Inc.
(the "Company") for the period ended December 31, 2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, David
J. Mehle, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, that:

         1.  the Report fully complies with the requirements of Section 13(a) or
             15(d) of the Securities Exchange Act of 1934, as amended; and

         2.  the information contained in the Report fairly presents, in all
             material respects, the financial condition and results of
             operations of the Company.

                                                 /s/ David J. Mehle
                                                 -------------------------------
                                                 Name:  David J. Mehle
                                                 Title: Chief Financial Officer
                                                 Date:  March 25, 2003