Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. The company's Life Insurance segment offers ordinary whole-life, burial insurance, pre-need, and accident and health related policies 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. Its Home Service Insurance segment provides final expense, ordinary, and industrial life insurance services; and annuities, as well as limited liability property policies to middle and lower income individuals in Louisiana, Mississippi, and Arkansas. This segment markets its products through funeral homes and independent agents, as well as through a home service marketing distribution system. Citizens, Inc. was founded in 1969 and is based in Austin, Texas.