Form 5500 · Employee benefit plan · AUSTIN, TX
CITIZENS, INC.
CITIZENS, INC. of AUSTIN, TX spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is USI INSURANCE SERVICES LLC. Coverage is written through CURATIVE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-0755371 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with CURATIVE INSURANCE COMPANY, covers 194 people.
Reported premium across the insured contracts is $2,979,442, with $199,427 in disclosed broker commissions — about 6.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
USI INSURANCE SERVICES LLC is the broker of record on all 3 contracts.
3 carriers appear on the filing — CURATIVE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and PRUDENTIAL INSURANCE COMPANY OF AMERICA — with CURATIVE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CURATIVE INSURANCE COMPANY | Health | 194 | December | $2,677,530 | $160,652 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 245 | December | $132,531 | $19,880 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 221 | December | $169,381 | $18,895 |
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