USA Marketing Areas

CICA LIFE Insurance Company of America ("CICA LIFE") markets products in the United States, as well as over 40 countries around the world.  The Company is currently licensed in 30 states listed below and Washington, D.C.

Alabama Idaho Mississippi North Dakota Tennessee
Arizona Indiana Missouri Oklahoma Texas
Arkansas Kansas Montana Oregon Utah
Colorado Kentucky Nebraska Pennsylvania Washington
Georgia Louisiana Nevada South Carolina West Virginia
Hawaii Minnesota New Mexico South Dakota Wyoming

CICA LIFE Insurance Company of America is Debt-Free with over $635 Million in Assets and has over $4.4 Billion of Life Insurance In-Force. 

CICA LIFE Product Rewards

  • Interest-Bearing Cash Value Accumulation
  • A No-Cost Annuity
  • Guaranteed Tax-Deferred Interest Earnings
  • Guaranteed Lifetime Income at Retirement
  • Triple Accidental Death Benefits
  • Payments Waived in Event of Permanent Disability
  • Easy and Convenient Payment Methods
  • Financial Security For Your Loved Ones
  • Marketing Materials Available in English or Spanish
  • Customer Service Support Available in English, Spanish, Mandarin Chinese, and Portuguese

Living Benefits

CICA LIFE's CCAP policies emphasize living benefits for policyowners as opposed to death benefits for beneficiaries. Although death benefits are provided, the policies' primary beneficial factor is the tax-deferred build-up of capital through guaranteed cash values, annuities, and interest. There is also a return of premiums paid, plus a death benefit if you die.  Then, beginning at age 70, the policies provide a guaranteed monthly lifetime income, several times the amount of the monthly premiums paid.* The earnings can be received in single or joint life payments.

Another exciting feature of the Company's living-benefit policies is that the owner can assign annual policy benefits, as well as other amounts, for potential gains, and then return the funds to the policies to obtain greater lifetime accruals under the settlement options.

It's no secret that failing to plan for a life expectancy that may extend beyond 100 years could prove to be a very costly mistake. In the U.S. at present, there are approximately 71,000 centenarians. The U.S. Census Bureau predicts the over 100 age group will increase to more than 241,000 by the year 2020.

To obtain information about these products or sales opportunities with CICA LIFE, please contact the U.S.A. Marketing Department by e-mail: MarketingUSA@citizensinc.com.

* Tax and penalties could apply to withdrawls.  Please consult your tax professional prior to withdrawl.