Citizens, Inc. is an insurance holding company. The Company operates through two business segments: Life Insurance segment and Home Service Insurance segment. The Life Insurance segment primarily issues endowment contracts, which are principally accumulation contracts that that incorporate an element of life insurance protection and ordinary whole life insurance, to non-United States residents . The Life Insurance segment primarily operates through CICA Life Ltd. (CICA Ltd.). The contracts are designed to provide a fixed amount of insurance coverage over the life of the insured and may use rider benefits to provide additional coverage and annuity benefits to enhance accumulations. The Home Service Insurance segment sells limited liability, named peril property policies covering dwelling and contents. Its polices are sold and serviced through funeral homes and independent agents who sell policies, collect premiums and service policyholders.