Citizens

Citizens, Inc. Class A Common Stock represents ownership in Citizens, Inc., an insurance holding company focused on life insurance and related financial protection products. Citizens, Inc. provides whole life, endowment, final expense, living benefits, and critical illness coverage through its Life Insurance and Home Service Insurance segments. Its products are distributed to individual policyholders and small businesses, with a particular emphasis on middle- and lower-income households in the United States and on non-U.S. residents seeking U.S. dollar-denominated policies. The company also offers accident and health insurance policies through selected distribution channels, including independent agents, marketing agencies, and funeral homes. Citizens, Inc. is headquartered in Austin, Texas, and its Class A common stock is used by market participants to track a niche life and health insurance business with exposure to both domestic and international insurance markets.