Table of Contents CITIZENS, INC. PART IV Item 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES (3) Exhibits (1) and (2) Financial Statements and Schedules The financial statements and schedules listed on the following index to financial statements and financial statement schedules are filed under  Item 8 as part of this Form 10-K. Index to Consolidated Financial Statements and Financial Statement Schedules Page Reference Report of Independent Registered Public Accounting Firm 73 Consolidated Balance Sheets at December 31, 2020 and 2019 76 Consolidated Statements of Operations and Comprehensive Income (Loss) - years ended December 31, 2020, 2019 and 2018 78 Consolidated Statements of Stockholders' Equity - years ended December 31, 2020, 2019 and 2018 79 Consolidated Statements of Cash Flows - years ended December 31, 2020, 2019 and 2018 80 Notes to Consolidated Financial Statements 82 Schedule II – Condensed Financial Information of Registrant 124 Schedule III – Consolidated Supplementary Insurance Information 127 Schedule IV – Consolidated Statement of Reinsurance 128 All other schedules have been omitted because the required information is inapplicable or the information required is presented in the consolidated financial statements or the notes thereto filed elsewhere herein. See the Index of  Exhibits . (a) Documents filed as part of this Report December 31, 2020 | 10-K 72