CITIZENS, INC.

# Citizens, Inc. (CIA)

Citizens, Inc. is a diversified financial services company specializing in life insurance and related products. The company markets U.S. dollar-denominated whole life insurance, endowment policies, and critical illness coverage primarily to non-U.S. residents through independent marketing agencies and consultants. It also provides final expense life insurance, critical illness products, and accident and health insurance to middle- and lower-income households in select U.S. markets.

The company operates through two main segments. The Life Insurance segment focuses on international distribution of whole life and endowment products to non-U.S. residents across Latin America and Asia. The Home Service Insurance segment offers final expense and critical illness coverage to lower-income households in Louisiana, Mississippi, and Arkansas, distributing products through funeral homes and independent agents.

Founded in 1969, Citizens, Inc. is headquartered in Austin, Texas and incorporated in Colorado. The company operates with approximately 247 full-time employees and maintains a market capitalization of approximately $0.3 billion.