Citizens, Inc. is a holding company, which engages in the provision of insurance and reinsurance services. It operates through the Life Insurance and Home Service Insurance segments. The Life Insurance segment primarily issues ordinary whole life insurance and endowment policies in U.S. dollar-denominated amounts to foreign residents. The Home Service Insurance segment focuses on the life insurance needs of the middle- and lower-income markets. The company was founded by Harold Eugene Riley in 1969 and is headquartered in Austin, TX.