Citizens, Inc. is a life insurance company that offers U.S. dollar-denominated life insurance products, including whole life, endowment, and products with annuity riders, primarily to international markets through its Puerto Rico subsidiary CICA International, while maintaining a smaller domestic U.S. segment offering simplified underwriting products. The company distributes its policies through independent consultants, marketing agencies, and agents across key markets including Latin America and the Pacific Rim, without maintaining direct offices or regulatory registrations in most foreign jurisdictions. Revenue is generated from policyholder premiums and investment income, with profitability dependent on accurate mortality and morbidity pricing, policyholder retention, and investment portfolio performance, though the company faces competitive pressure from larger insurers and regulatory constraints related to foreign exchange controls and varying national insurance laws.