Citizens Investor Relations Material

Citizens, Inc. is an insurance holding company that provides life, living benefits, and final expense insurance to individuals and small businesses. The company operates through two main segments: Life Insurance and Home Service Insurance. The Life Insurance segment focuses on offering U.S. dollar-denominated whole life, endowment, and critical illness policies to residents outside the United States, primarily in Latin America and the Pacific Rim. Domestically, it sells a variety of life insurance products, including those with living benefits and credit life and disability insurance, across the U.S. The Home Service Insurance segment caters to middle- and lower-income households in Louisiana, Mississippi, and Arkansas, offering final expense life insurance and other related products. The company is headquartered in Austin, Texas, and its shares are listed on the NYSE.