Citizens Financial Corporation is an insurance holding company. The Company is engaged in the business of life and health insurance through its life insurance subsidiary, Citizens Security Life Insurance Company. The primary products marketed by Citizens Security Life Insurance Company are ancillary insurance products under two names: CS Benefits, which provides group ancillary insurance products, and Special Care Insurance, which offers individual ancillary insurance products. CS Benefits provides employee benefits and services, with a portfolio that includes life and accidental death and dismemberment insurance, dental coverage, vision coverage and worksite products. Special Care Insurance provides insurance products, such as individual dental insurance and individual vision insurance to the senior market.