Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates through three segments: Life Insurance, Home Service Insurance, and Other Non-Insurance Enterprises. The Life Insurance segment offers ordinary whole-life policies, burial insurance policies, pre-need policies, and accident and health related policies to high net worth and high income residents in the Midwest and southern United States, as well as ordinary whole-life policies and endowment policies to non-U.S. residents. This segment offers its products through third-party marketing organizations and independent marketing consultants. The Home Service Insurance segment provides pre-need and final expense ordinary life insurance and annuities to middle and lower income individuals primarily in Louisiana, Mississippi, and Arkansas, as well as property insurance in Louisiana. This segment markets its products through funeral homes and a home service marketing distribution system. The Other Non-Insurance Enterprises segment provides data processing and aviation transportation services. The company primarily offers whole life insurance, endowments, credit insurance, final expense, and limited liability property policies. Citizens, Inc. was founded in 1969 and is based in Austin, Texas.