1 [LETTERHEAD] EXHIBIT 23.4 ACTUARIES' CONSENT We consent to the reference to and use of our report on American Liberty Life Insurance Company in the amended Form S-4 of Citizens, Inc. The report is set forth in our letter of February 15, 1995 to the independent accountants of American Liberty Life Insurance Company. CONSULTING ACTUARIAL SERVICES, INC. By: /s/ ERNEST HUVAL ----------------------------- Ernest Huval, President Baton Rouge, Louisiana July 18, 1995