1 EXHIBIT 23.2 [KPMG LOGO] The Board of Directors Citizens, Inc.: We consent to the use of our reports included herein or incorporated herein by reference and to the reference to our Firm under the heading "Experts" in the Pre-Effective Amendment No. 2 to the Registration Statement on Form S-4, SEC File No. 333-16163. /s/ KPMG Peat Marwick LLP KPMG Peat Marwick LLP Dallas, Texas February 3, 1997