1 EXHIBIT 25 SIGNATURES Pursuant to the requirements of the Securities Act of 1933, the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Austin, State of Texas, on November 12, 1996. CITIZENS, INC. By:/s/ Harold E. Riley --------------------------------------- Harold E. Riley, Chairman of the Board KNOW ALL MEN BY THESE PRESENTS, that the undersigned officers or directors of the Registrant, by virtue of their signatures to this Registration Statement appearing below, hereby constitute and appoint Harold E. Riley and Mark A. Oliver, attorneys-in-fact in their names, place, and stead to execute any and all amendments to this Registration Statement in the capacities set forth opposite their names and hereby ratify all that said attorneys-in-fact may do by virtue hereof. Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities and on the date indicated. Signatures Title Date - ---------- ----- ---- /s/ Harold E. Riley Chairman of the Board November 12, 1996 - ----------------------------- Harold E. Riley /s/ Randall H. Riley Vice Chairman, Chief Executive November 12, 1996 - ----------------------------- Randall H. Riley Officer and Director T. Roby Dollar Vice Chairman, Chief Actuary November 12, 1996 - ------------------------------ T. Roby Dollar and Assistant Secretary Rick D. Riley President, Chief Administrative November 12, 1996 - -------------------------------- Rick D. Riley Officer and Director /s/ Mark A. Oliver Executive Vice President, November 12, 1996 - ------------------------------ Mark A. Oliver Secretary/Treasurer and Chief Financial Officer /s/ William P. Barnhill Vice President and Controller November 12, 1996 - ----------------------------- William P. Barnhill - ----------------------------- Director November 12, 1996 Flay F. Baugh 2 /s/ Joe R. Reneau Director November 12, 1996 - ----------------------------- Joe R. Reneau, M.D. - ----------------------------- Director November 12, 1996 Steven F. Shelton Ralph M. Smith Director November 12, 1996 - ----------------------------- Ralph M. Smith. Th.D. /s/ Timothy T. Timmerman Director November 12, 1996 - ----------------------------- Timothy T. Timmerman - ----------------------------- Director November 12, 1996 Charles E. Broussard