Citizens, Inc. operates primarily as an insurance holding company. The Company conducts its business through eight companies in which it directly or indirectly owns 100%. They include Citizens Insurance Company of America, Central Investors Life Insurance Company of Illinois, Combined Underwriters Life Insurance Company, Lifeline Underwriters Life Insurance Company, Excalibur Insurance Corp., Computing Technology, Inc., Insurance Investors, Inc. and Funeral Homes of America. The Company primarily offers life and accident and health insurance, with a focus on issuing life insurance products to residents of Latin American countries, from which it generates most of its revenues. In addition, the Companys domestic operations consist of a limited amount of United States insurance sales, as well as sales from insurance subsidiaries acquired over the past several years.