Citizens Financial Corporation is a holding company. The Company is engaged in the business of life and health insurance through its life insurance subsidiary, Citizens Security Life Insurance Company (CSLICo). The primary products marketed by CSLICo are ancillary insurance products under two names: CS Benefits, which consists of group ancillary insurance products (group dental insurance, group vision insurance, and group life insurance), and Special Care Insurance, which consists of individual ancillary insurance products (individual dental insurance and individual vision insurance) to the senior market. 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. Its products include dental insurance, vision insurance, life insurance and other services. The Special Care Insurance Program provides dental and vision insurance to residents.