
CICA Life Insurance Company of America (CICA Life) is a well-established insurer with a legacy rooted in providing innovative and flexible life insurance solutions. Originally founded in 1965 and headquartered in Austin, Texas, CICA Life operates as a subsidiary of Citizens, Inc., a publicly traded company. The company is known for offering indexed and traditional life insurance products designed to provide long-term financial security and peace of mind for individuals and families, both domestically and internationally.
CICA Life focuses on serving a diverse clientele with life insurance policies that emphasize cash value accumulation, policy guarantees, and long-term planning benefits. Their offerings are often structured to appeal to clients seeking both protection and a disciplined savings component. CICA Life is particularly recognized for its international reach, especially in Latin America and Asia, where it provides U.S.-issued policies tailored to the financial needs of foreign nationals.
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CICA Life Insurance Company of America has been assigned a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of “bbb+” (Good) by A.M. Best, with a stable outlook.
While A.M. Best projects a modest decline in BCAR due to statutory expense strain from increasing new business sales and infrastructure investments, the company’s low dependence on reinsurance and access to capital via Federal Home Loan Bank lending, various lines of credit, and parental liquidity and capital markets channels help mitigate these factors.
The stable outlook indicates A.M. Best’s expectation that CICA will maintain a strong balance sheet strength assessment over the intermediate term, supported by initiatives that further leverage the parent company’s enterprise risk management framework.
Scores updated August 2025
- What products for CICA?
CICA Life Insurance Company of America is well-suited for individuals and families seeking flexible life insurance products that combine protection with cash value growth. Known for its focus on indexed and traditional whole life policies, CICA Life appeals to those who want long-term financial planning tools alongside reliable life coverage.
CICA Life is ideal for clients who appreciate personalized service and value products designed to build cash value while providing a death benefit. It’s especially attractive to international clients, expatriates, and those looking for life insurance solutions tailored to unique financial goals with the backing of a financially stable and experienced insurer.
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Like many life insurance providers, Transamerica may require a brief medical exam as part of the application process. While it might sound overwhelming, the exam is typically quick and straightforward—often taking less than an hour—and can be completed at your convenience, whether at home, at work, or at a local exam center.

At Fuego Financial, we partner with some of the most reputable life insurance providers in the country—like CICA—to give you access to top-tier coverage options.
In just minutes, we’ll compare policies and pricing to help match you with the right plan, the right insurer, and the right rate for your needs.
We’ve partnered with top-rated life insurance providers known for offering competitive rates across a wide range of health profiles—from individuals in great health to those with specific medical conditions or lifestyle factors.
Our team can guide you in finding the right coverage and the best-fit insurance carrier for you and your family’s unique needs.
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