1 EXHIBIT 23.5 ACTUARIES' CONSENT We consent to the reference to and the use of our February 27, 1995 Actuarial Report on Citizens Insurance Company of America in the amended Form S-4 of Citizens, Inc. RUDD AND WISDOM, INC. CONSULTING ACTUARIES By: /s/ CHRIS MCCAUL ------------------------------------ Chris McCaul Austin, Texas July 19, 1995