Citizens, Inc., through its subsidiaries, provides life and health insurance products and services primarily in the United States. The company engages in underwriting, investment, and administrative functions. Its Life Insurance segment comprises of issuing ordinary whole life insurance products to foreign residents, high net worth and high income residents, and middle income households. It offers its products through independent marketing firms and consultants in Latin America and the Pacific Rim. The companyÂ’s Home Service Insurance segment focuses on the life insurance needs of the middle to lower income market in Louisiana. It sells ordinary whole life products to provide funding individualsÂ’ final expenses, primarily consisting of funeral and other burial costs, as well as limited liability, named peril property policies covering dwellings and contents to middle to lower income residents of Louisiana. This segment uses its home service marketing distribution system of approximately 300 employee agents to sell policies, collect premiums, and service policyholders. The company was founded in 1969 and is based in Austin, Texas.