UNITED STATES
                   SECURITIES AND EXCHANGE COMMISSION
                         Washington, D.C. 20549

                             SCHEDULE 13D

               Under the Securities Exchange Act of 1934
                           (Amendment No. 9)*

                             CITIZENS, INC.
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                            (Name of Issuer)

                    Class A Common Stock, no par value
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                      (Title of Class of Securities)

                              174740 10 0
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                             (CUSIP Number)

                           December 27, 2007
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          (Date of Event which Requires Filing of this Statement)

                        GAMASE Policyholders Trust
                c/o Gala Trust and Management Services, Inc.
               formerly known as Gala Management Services, Inc.
                          Scotia Plaza, 9th Floor
                   Federico Boyd Avenue 18 and 51 Street
                                 Panama 5
                            Republic of Panama
                          Attention: Tomas Herrera

                               with a copy to:
                           Roxanne K. Beilly, Esq.
                      Schneider Weinberger & Beilly LLP
                  2200 Corporate Boulevard, N.W., Suite 210
                          Boca Raton, Florida 33431
                           Telephone: 561-362-9595
                           Facsimile No: 561-361-9612
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          (Name, Address and Telephone Number of Person Authorized
                    to Receive Notices and Communications)

             If the filing person has previously filed a statement on
Schedule 13G to report the acquisition that is the subject of this
Schedule 13D, and is filing this schedule because of Sections 240.13d-1(e),
240.13d-1(f) or 240.13d-1(g), check the following box [ ].

             *The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the
subject class of securities, and for any subsequent amendment
containing information which would alter disclosures provided in a
prior cover page.




             The information required on this cover page shall not be
deemed to be "filed" for the purposes of Section 18 of the Securities
Exchange Act of 1934 ("Act") or otherwise subject to the liabilities
of the Act but shall be subject to all other provisions of the Act
(however, see the Notes)

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                               SCHEDULE 13D
----------------------                                   -----------------
CUSIP No. 174740 10 0                                    Page 2
----------------------                                   -----------------

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1 	 NAME OF REPORTING PERSONS
         Galindo, Arias & Lopez
         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
         N/A
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2 	 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                                                  (a) [ ]
                                                                  (b) [X]
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3 	 SEC USE ONLY

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4 	 SOURCE OF FUNDS
         OO
--------------------------------------------------------------------------

5 	 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
         PURSUANT TO ITEMS 2(d) OR 2(e)
                                                                      [ ]
--------------------------------------------------------------------------

6 	 CITIZENSHIP OR PLACE OF ORGANIZATION
         Republic of Panama
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NUMBER OF         7        SOLE VOTING POWER
SHARES                     0
BENEFICIALLY      --------------------------------------------------------
OWNED BY
EACH              8        SHARED VOTING POWER
REPORTING                  0
PERSON WITH       --------------------------------------------------------

                  9        SOLE DISPOSITIVE POWER
                           0
                  --------------------------------------------------------

                  10       SHARED DISPOSITIVE POWER
                           9,547,596
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11 	 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         9,547,596
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12	 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
         SHARES*
                                                                      [ ]
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13 	 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         22.18%
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14 	 TYPE OF REPORTING PERSON*
         PN
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                            SCHEDULE 13D

----------------------                                   -----------------

CUSIP No. 174740 10 0                                     Page 3
----------------------                                   -----------------

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1 	 NAME OF REPORTING PERSONS
         Gala Trust and Management Services, Inc., formerly known as Gala
         Management Services, Inc.
         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
         N/A
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2 	 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                                                  (a) [ ]
                                                                  (b) [X]
--------------------------------------------------------------------------

3        SEC USE ONLY

--------------------------------------------------------------------------

4	 SOURCE OF FUNDS
         OO
--------------------------------------------------------------------------

5 	 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
         PURSUANT TO ITEMS 2(d) OR 2(e)
                                                                      [ ]
--------------------------------------------------------------------------

6	 CITIZENSHIP OR PLACE OF ORGANIZATION
         Republic of Panama

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NUMBER OF         7        SOLE VOTING POWER
SHARES                     0
BENEFICIALLY      --------------------------------------------------------
OWNED BY
EACH              8        SHARED VOTING POWER
REPORTING                  0
PERSON WITH       --------------------------------------------------------

                  9        SOLE DISPOSITIVE POWER
                           0
                  --------------------------------------------------------

                  10       SHARED DISPOSITIVE POWER
                           5,901,390
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11 	 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         5,901,390
--------------------------------------------------------------------------

12	 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
         SHARES*
                                                                      [ ]
--------------------------------------------------------------------------

13 	 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         13.7%
--------------------------------------------------------------------------

14 	 TYPE OF REPORTING PERSON*
         CO
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                            SCHEDULE 13D

----------------------                                   -----------------

CUSIP No. 174740 10 0                                     Page 4
----------------------                                   -----------------


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1 	 NAME OF REPORTING PERSONS
         GAMASE Insureds Trust
         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
         N/A
--------------------------------------------------------------------------

2 	 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                                                  (a) [ ]
                                                                  (b) [X]
--------------------------------------------------------------------------

3       SEC USE ONLY

--------------------------------------------------------------------------

4 	 SOURCE OF FUNDS
         OO
--------------------------------------------------------------------------

5 	 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
         PURSUANT TO ITEMS 2(d) OR 2(e)
                                                                      [ ]
--------------------------------------------------------------------------

6 	 CITIZENSHIP OR PLACE OF ORGANIZATION
         Republic of Panama

--------------------------------------------------------------------------

NUMBER OF         7        SOLE VOTING POWER
SHARES                     0
BENEFICIALLY      --------------------------------------------------------
OWNED BY
EACH              8        SHARED VOTING POWER
REPORTING                  0
PERSON WITH       --------------------------------------------------------

                  9        SOLE DISPOSITIVE POWER
                           0
                  --------------------------------------------------------

                  10       SHARED DISPOSITIVE POWER
                           5,589,657
--------------------------------------------------------------------------

11 	 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         5,589,657
--------------------------------------------------------------------------

12	 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
         SHARES*
                                                                      [ ]
--------------------------------------------------------------------------

13 	 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         12.98%
--------------------------------------------------------------------------

14 	 TYPE OF REPORTING PERSON*
         OO
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                            SCHEDULE 13D

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CUSIP No. 174740 10 0                                    Page 5
----------------------                                   -----------------


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1 	 NAME OF REPORTING PERSONS
         Regal Trust (BVI) Ltd.
         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
         N/A
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2 	 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                                                  (a) [ ]
                                                                  (b) [X]
--------------------------------------------------------------------------

3        SEC USE ONLY

--------------------------------------------------------------------------

4 	 SOURCE OF FUNDS
         OO
--------------------------------------------------------------------------

5 	 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
         PURSUANT TO ITEMS 2(d) OR 2(e)
                                                                      [ ]
--------------------------------------------------------------------------

6 	 CITIZENSHIP OR PLACE OF ORGANIZATION
         British Virgin Islands
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NUMBER OF         7        SOLE VOTING POWER
SHARES                     0
BENEFICIALLY      --------------------------------------------------------
OWNED BY
EACH              8        SHARED VOTING POWER
REPORTING                  0
PERSON WITH       --------------------------------------------------------

                  9        SOLE DISPOSITIVE POWER
                           0
                  --------------------------------------------------------

                  10       SHARED DISPOSITIVE POWER
                           3,646,206
--------------------------------------------------------------------------

11 	 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         3,646,206
--------------------------------------------------------------------------

12	 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
         SHARES*
                                                                      [ ]
--------------------------------------------------------------------------

13 	 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         8.47%
--------------------------------------------------------------------------

14 	 TYPE OF REPORTING PERSON*
         CO
--------------------------------------------------------------------------





                            SCHEDULE 13D

----------------------                                   -----------------

CUSIP No. 174740 10 0                                     Page 6
----------------------                                   -----------------


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1 	 NAME OF REPORTING PERSONS
         CICA Policyholders Trust
         S.S. or I.R.S. IDENTIFICATION NO. OF ABOVE PERSONS
         N/A
--------------------------------------------------------------------------

2 	 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
                                                                  (a) [ ]
                                                                  (b) [X]
--------------------------------------------------------------------------

3       SEC USE ONLY

--------------------------------------------------------------------------

4 	 SOURCE OF FUNDS
         OO
--------------------------------------------------------------------------

5  	 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
         PURSUANT TO ITEMS 2(d) OR 2(e)
                                                                      [ ]
--------------------------------------------------------------------------

6
 	 CITIZENSHIP OR PLACE OF ORGANIZATION
         British Virgin Islands
--------------------------------------------------------------------------

NUMBER OF         7        SOLE VOTING POWER
SHARES                     0
BENEFICIALLY      --------------------------------------------------------
OWNED BY
EACH              8        SHARED VOTING POWER
REPORTING                  0
PERSON WITH       --------------------------------------------------------

                  9        SOLE DISPOSITIVE POWER
                           0
                  --------------------------------------------------------

                  10      SHARED DISPOSITIVE POWER
                          3,187,170
--------------------------------------------------------------------------

11 	 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
         3,187,170
--------------------------------------------------------------------------

12	 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN
         SHARES*
                                                                      [ ]
--------------------------------------------------------------------------

13 	 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
         7.4%
--------------------------------------------------------------------------

14 	 TYPE OF REPORTING PERSON*
         OO
--------------------------------------------------------------------------




     This Amendment ("Amendment No. 9") is being jointly filed by
each of the following persons pursuant to Rule 13d-1(k) of the
Securities and Exchange Commission (the "Commission") pursuant to
Section 13 of the Securities Exchange Act of 1934, as amended
(the "Exchange Act"): (1) Galindo, Arias & Lopez, a partnership
organized under the laws of the Republic of Panama ("GA&L"), (2)
Gala Trust and Management Services, Inc., formerly known as Gala
Management Services, Inc., a corporation organized under the laws
of the Republic of Panama ("Gala Trust"), (3) GAMASE Insureds
Trust, a trust established under the laws of the Republic of
Panama ("GAMASE Insureds Trust"), (4)  Regal Trust (BVI) Ltd., a
corporation organized under the laws of the British Virgin
Islands ("Regal"), and (5) CICA Policyholders Trust, a trust
established under the laws of the British Virgin Islands ("Regal
Policyholders Trust", together with GA&L, Gala Trust, GAMASE
Insureds Trust, and Regal, collectively, the "Reporting Persons"
and each, a "Reporting Person").

          This Amendment No. 9 amends the Schedule 13D originally
filed by the Reporting Persons with the Commission on October 11,
2005  (the  "Original  Schedule 13D"), Amendment  No.  1  to  the
Original  Schedule 13D originally filed by the Reporting  Persons
with  the  Commission on February 24, 2006 ("Amendment  No.  1"),
Amendment No. 2 to the Original Schedule 13D originally filed  by
the  Reporting  Persons  with  the  Commission  on  May  4,  2006
("Amendment No. 2"), Amendment No. 3 to the Original Schedule 13D
originally filed by the Reporting Persons with the Commission  on
September  1, 2006 ("Amendment No. 3"), Amendment No.  4  to  the
Original  Schedule 13D originally filed by the Reporting  Persons
with  the  Commission on December 13, 2006 ("Amendment  No.  4"),
Amendment No. 5 to the Original Schedule 13D originally filed  by
the  Reporting  Persons with the Commission  on  March  20,  2007
("Amendment No. 5"), Amendment No. 6 to the Original Schedule 13D
originally filed by the Reporting Persons with the Commission  on
June  14,  2007  ("Amendment No. 6"),  Amendment  No.  7  to  the
Original  Schedule 13D originally filed by the Reporting  Persons
with  the Commission on August 23, 2007 ("Amendment No.  7")  and
Amendment No. 8 to the Original Schedule 13D originally filed  by
the  Reporting Persons with the Commission on November  13,  2007
("Amendment No. 8").. The Original Schedule 13D, Amendment No. 1,
Amendment No. 2, Amendment No. 3, Amendment No. 4, Amendment  No.
5,  Amendment  No.  6, Amendment No. 7 and Amendment  No.  8  are
collectively referred to as the "Schedule 13D."

          All terms used but not defined in this Amendment No.  9
are  as defined in the Schedule 13D. The summary descriptions (if
any)  contained  herein of certain agreements and  documents  are
qualified in their entirety by reference to the complete text  of
such  agreements  and  documents  filed  as  Exhibits  hereto  or
incorporated herein by reference.

Item 4 of the Schedule 13D is amended and supplemented as
follows:

Item 4.  Purpose of the Transaction

          The  Trustees are processing the delivery of shares  of
Common  Stock to certain settlors of the Trusts who had  directed
that their participation in the Trusts be liquidated.

Item 5 of the Schedule 13D is amended and supplemented as
follows:

Item 5.  Interest in Securities of the Issuer

     (a)  The  Reporting Persons may be deemed to be a  group  as
defined  in Rule 13d-5(b) under the Exchange Act and, as  such  a
group,  may  be  deemed  to  beneficially  own  an  aggregate  of
9,547,596   shares   of  the  Common  Stock,   which   constitute
approximately  22.18%  of the outstanding shares  of  the  Common
Stock,   based   on   43,042,919  shares  of  the  Common   Stock
outstanding  as  of December 4, 2007 according to  the  Company's
Quarterly  Report  on  Form 10-Q for the quarterly  period  ended
September 30, 2007, filed with the Commission on November 8, 2007
and  the  Company's Current Report on Form 8-K dated December  4,
2007 filed with the Commission on December 4, 2007, on which  are
based  all  of  the percentages of outstanding shares  of  Common
Stock  set  forth herein. The foregoing and all other amounts  of
beneficial ownership set forth herein are calculated pursuant  to
Rule 13d-3 under the Exchange Act ("Rule 13d-3").





GAMASE  Insured Trust holds 5,589,657 shares of the Common  Stock
(constituting  approximately 12.98%  of  the  outstanding  Common
Stock) and may be deemed to beneficially own such shares pursuant
to Rule 13d-3.

      Regal  Policyholders Trust holds 3,187,170  shares  of  the
Common  Stock (constituting approximately 7.4% of the outstanding
Common  Stock) and may be deemed to beneficially own such  shares
pursuant to Rule 13d-3.

     Gala Trust is the sole trustee of GAMASE Insureds Trust  and
GAMASE  Agents Trust, a trust established under the laws  of  the
Republic  of  Panama ("GAMASE Agents Trust")  and  holds  311,733
shares  of the Common Stock (constituting approximately 0.72%  of
the  outstanding Common Stock) and may be deemed to  beneficially
own  such  shares  pursuant to Rule 13d-3, and therefore  may  be
deemed  to beneficially own 5,901,390 shares of the Common  Stock
(constituting  approximately  13.7%  of  the  outstanding  Common
Stock) pursuant to Rule 13d-3.

     Regal  is the sole trustee of Regal Policyholders Trust  and
CICA Associates Trust, a trust established under the laws of  the
British  Virgin  Islands  ("Regal Associates  Trust")  and  holds
459,036  shares  of the Common Stock (constituting  approximately
1.06%  of  the  outstanding Common Stock) and may  be  deemed  to
beneficially  own  such  shares  pursuant  to  Rule  13d-3,   and
therefore may be deemed to beneficially own  3,646,206 shares  of
the   Common  Stock  (constituting  approximately  8.47%  of  the
outstanding Common Stock) pursuant to Rule 13d-3.

     GA&L  owns a 100% interest in each of Gala Trust and  Regal,
and  therefore may be deemed to beneficially own 9,547,596 shares
(constituting  approximately 22.18%  of  the  outstanding  Common
Stock) pursuant to Rule 13d-3.

(c)   No  not-for-value transfers were effected by the  Reporting
Persons over the past 60 days:


Item 7 of the Schedule 13D is amended and supplemented as
follows:

Item 7. Material to be filed as Exhibits

Exhibit 7. Powers of Attorney.





                              SIGNATURES

       After reasonable inquiry and to the best of my knowledge
and belief, I certify that the information set forth in this statement
is true, complete and correct.

February 29, 2008

                                     GALINDO, ARIAS & LOPEZ

                                     By:     /s/ Tomas Herrera
                                        -------------------------------
                                     Name:  Tomas Herrera
                                     Title:   Partner


                                     GALA TRUST AND MANAGEMENT SERVICES,
                                     INC., formerly known as GALA
                                     MANAGEMENT SERVICES, INC.

                                     By:     /s/ Tomas Herrera
                                        -------------------------------
                                     Name:  Tomas Herrera
                                     Title:   Attorney-in-fact


                                     GAMASE INSUREDS TRUST

                                     By:     /s/ Tomas Herrera
                                        -------------------------------
                                     Name:  Tomas Herrera
                                     Title:   Attorney-in-fact


                                     REGAL TRUST (BVI) LTD.

                                     By:     /s/ Tomas Herrera
                                        -------------------------------
                                     Name:  Tomas Herrera
                                     Title:   Attorney-in-fact


                                     CICA POLICYHOLDERS TRUST

                                     By:     /s/ Tomas Herrera
                                        -------------------------------
                                     Name:  Tomas Herrera
                                     Title:   Attorney-in-fact