1 EXHIBIT 21 SUBSIDIARIES OF REGISTRANT STATE OF PERCENTAGE COMPANY NAME INCORPORATION TAX I.D. OWNERSHIP ------------ ------------- -------- --------- Citizens Insurance Company of America Colorado 84-0583103 100% Direct Insurance Investors, Inc. Texas 74-1458561 100% Indirect Industrial Benefits, Inc. Texas 76-0159854 100% Indirect Computing Technology, Inc. Colorado 84-1037266 100% Indirect American Liberty Exploration Corporation Louisiana 72-0895903 100% Indirect American Liberty Exploration Corporation, 1981-1 Louisiana 72-0914867 100% Indirect American Liberty Exploration Corporation, 1982-1 Louisiana 72-0928484 100% Indirect Funeral Homes of America, Inc. Louisiana 72-1148400 100% Indirect United Security Life Insurance Company Mississippi 64-0442514 100% Indirect National Security Life and Accident Insurance Co. Texas 75-0947122 100% Indirect Central Investors Life Insurance Company of Illinois Illinois 37-0862705 100% Indirect