1 EXHIBIT 23(B) [JONES & KELLER, P.C. LETTERHEAD] Citizens, Inc.: We consent to the use of our opinion, which was attached as Exhibit 5 to Amendment No. 1 of the Registration Statement on Form S-3 for Citizens, Inc., filed on or about July 12, 1994. Very truly yours, /s/ Jones & Keller, P.C. JONES & KELLER, P.C. Denver, Colorado August 24, 1995