Citizens, Inc. (Austin, Texas) is an insurance holding company, which engages in the provision of insurance and reinsurance services. It operates through the Life Insurance and Home Service Insurance business segments. The Life Insurance segment primarily issues ordinary whole life insurance and endowment policies in U.S. dollar-denominated amounts to foreign residents in more than thirty countries. The Home Service Insurance segment provides pre-need and final expense ordinary life insurance and annuities to middle and lower income individuals primarily in Louisiana, Mississippi, and Arkansas. The company was founded by Harold Eugene Riley in 1969 and is headquartered in Austin, TX.