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                                  [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 27, 1995