Table of Contents CITIZENS, INC. FINANCIAL SCHEDULES For the Company's short duration premiums (property), written premium is not materially different from earned premium, therefore only earned premiums are detailed in Schedule IV. Schedule IV Consolidated Statement of Reinsurance (In thousands) Direct Amount Ceded to Other Companies Assumed From Other Companies Net Amount % of Amount Assumed to Net Year ended December 31, 2019 Life insurance in force $ 4,728,826 486,937 4,892 4,246,781 0.1% Premiums: Life insurance 180,204 1,952 99 178,351 Accident and health insurance 1,400 17 — 1,383 Property insurance 5,405 792 — 4,613 Total premiums $ 187,009 2,761 99 184,347 0.1% Year ended December 31, 2018 Life insurance in force $ 4,835,631 490,295 5,202 4,350,538 0.1% Premiums: Life insurance 184,722 2,996 99 181,825 Accident and health insurance 1,232 14 — 1,218 Property insurance 5,607 790 — 4,817 Total premiums $ 191,561 3,800 99 187,860 0.1% Year ended December 31, 2017 Life insurance in force $ 4,967,856 503,685 5,564 4,469,735 0.1% Premiums: Life insurance 193,534 2,334 142 191,342 Accident and health insurance 1,410 18 — 1,392 Property insurance 5,767 781 — 4,986 Total premiums $ 200,711 3,133 142 197,720 0.1% December 31, 2019 | 10-K 112