Business: Citizens Financial Corporation is a financial services company organized as an insurance holding company. Operations are conducted through its principal subsidiaries: Citizens Security Life Insurance Company, United Liberty Life Insurance Company, and Citizens Insurance Company. Citizens Security and United Liberty engage in the business of life insurance, annuities, and accident and health insurance. The Companies are currently licensed to sell products in 29 states and the District of Columbia. The most significant products are final expense and pre-need life insurance and group dental insurance offered through approximately 2,400 independent sales representatives. Product availability may vary by state. Citizens Insurance Company was acquired in 1999 and is licensed in four states as a property and casualty insurer.