Citizens, Inc. is an insurance holding company serving the life insurance needs of individuals in the United States. The Company’s segments include Life Insurance and Home Service Insurance. The Life Insurance segment primarily sells the United States dollar-denominated ordinary whole life insurance and endowment policies to non-United States residents, located principally in Latin America and the Pacific Rim, internationally. Domestically, the Life Insurance segment sells whole life insurance, credit life, credit disability and critical illness products. The Home Service Insurance segment sells final expense life insurance and property insurance policies to middle- and lower-income households, as well as whole life products with higher allowable face values, in Louisiana, Mississippi and Arkansas. Its policies are sold and serviced through 165 funeral homes and 430 independent agents who sell policies, collect premiums and service policyholders.