1 EXHIBIT 23.4 [Kerber, Eck & Braeckel LLP LOGO] Board of Directors First Investors Group, Inc. We hereby consent to the use of our reports dated April 14, 1998 and February 28, 1997 appearing in the Registration Statement on Form S-4 filed by Citizens, Inc. and to the reference to our firm under the section "Experts" therein. /s/ Kerber, Eck & Braeckel LLP Kerber, Eck & Braeckel LLP November 10, 1998