First, you may find a little background information about the Company to be of interest. The story of CITIZENS INSURANCE COMPANY OF AMERICA (CICA), a Colorado-chartered, legal reserve life insurance company, with headquarters in Austin, Texas, dates from 1953 when it was founded as Citizens Standard Life Insurance Company. It began offering U.S.-dollar life insurance policies in the States in 1955 and overseas in 1961. CICA is wholly owned by Citizens, Inc. (Citizens), a financial holding company with a number of corporations in related activities and $2.5 billion of life insurance in force on individuals around the world.