Ownership Submission
FORM 3
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940
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(Print or Type Responses)
1. Name and Address of Reporting Person *
  Galindo, Arias & Lopez
 2. Date of Event Requiring Statement (Month/Day/Year)
01/18/2006		 3. Issuer Name and Ticker or Trading Symbol
CITIZENS INC [CIA]
(Last)
(First)
(Middle)
SCOTIA PLAZA, 9TH FLOOR, FEDERICO BOYD AVENUE 18 AND 51 STREET		 4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
_____ Director __X__ 10% Owner
_____ Officer (give title below) _____ Other (specify below)
5. If Amendment, Date Original Filed(Month/Day/Year)
10/06/2005
(Street)

PANAMA, R1 5		 6. Individual or Joint/Group Filing(Check Applicable Line)
___ Form filed by One Reporting Person
_X_ Form filed by More than One Reporting Person
(City)
(State)
(Zip)
Table I - Non-Derivative Securities Beneficially Owned
1.Title of Security
(Instr. 4)		 2. Amount of Securities Beneficially Owned
(Instr. 4)		 3. Ownership Form: Direct (D) or Indirect (I)
(Instr. 5)		 4. Nature of Indirect Beneficial Ownership
(Instr. 5)
Class A common stock 0 (1)
I
See footnote 2 (2)

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. SEC 1473 (7-02)
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Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security
(Instr. 4)		 2. Date Exercisable and Expiration Date
(Month/Day/Year)		 3. Title and Amount of Securities Underlying Derivative Security
(Instr. 4)		 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form of Derivative Security: Direct (D) or Indirect (I)
(Instr. 5)		 6. Nature of Indirect Beneficial Ownership
(Instr. 5)
Date Exercisable Expiration Date Title Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address Relationships
Director 10% Owner Officer Other
Galindo, Arias & Lopez
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
Gala Management Services, Inc.
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
GAMASE Insureds Trust
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
Regal Trust (BVI) Ltd.
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
CICA Policyholders Trust
SCOTIA PLAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		     X    
CICA Associates Trust
SCOTIA PAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		       See Remarks
GAMASE Agents Trust
SCOTIA PAZA, 9TH FLOOR
FEDERICO BOYD AVENUE 18 AND 51 STREET
PANAMA, R1 5		       See Remarks

Signatures

Tomas Herrera 01/19/2006
**Signature of Reporting Person Date

Explanation of Responses:

* If the form is filed by more than one reporting person, see Instruction 5(b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1) The Form 3 filed by the reporting person on October 6, 2005 is hereby updated to reflect the absence of beneficial ownership of common stock pursuant to Rule 16a-1(a)(2).
(2) No securities are beneficially owned.
 
Remarks:
The reporting person is a member of a Section 13(d) group that may be deemed to beneficially own pursuant to Rule 13d-3 more
 than 10% of the issuer's outstanding common stock.  There are seven members of such group.  With the exception of the
 reporting person, each of the following persons: A. Gala Management Services, Inc., a wholly-owned subsidiary of Galindo,
 Arias & Lopez (the "Reporting Person") and  trustee for GAMASE Insureds Trust and GAMASE Agents Trust; B. GAMASE Insureds
 Trust; C. GAMASE Agents Trust; D. Regal Trust (BVI) Ltd., a wholly-owned subsidiary of the Reporting Person and trustee for
 CICA Policyholders Trust and CICA Associates Trust; E. CICA Policyholders Trust; and F. CICA Associates Trust are joint
 filers, as permitted under Rule 16(a)-3(j) of the Securities Exchange Act of 1934, as amended.  Each member of such group
 disclaims any beneficial ownership or pecuniary interest in any of the shares reported herein.  The more than 74,000
 beneficiaries of the trusts, respectively, as of the date hereof, retain all such beneficial ownership and pecuniary
interest.

Exhibit List
Exhibit 99 - Joint Filer I

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