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Citizens Financial Corporation was incorporated in Kentucky in 1990 at the direction of Citizens Security Life Insurance Company (“Citizens Security”), a Kentucky-domiciled life insurance company. Pursuant to a merger completed in 1991, Citizens Security became a wholly owned subsidiary of the Company. All operations of the Company and its subsidiaries are conducted in Louisville, Kentucky from a 63,000 square foot office building owned by Citizens Security.

Citizens, Inc. and its subsidiaries provide life and health insurance products and services in the United States and internationally. Its Life Insurance segment engages in issuing ordinary whole life insurance products to foreign residents, high net worth and high income residents, and middle income households. This segment offers its products through independent marketing firms and consultants in Latin America and the Pacific Rim. Citizens company’s Home Service Insurance segment focuses on the life insurance needs of the middle to lower income market in Louisiana, Mississippi, and Arkansas. This segment sells ordinary whole life products to provide funding individuals’ final expenses, primarily consisting of funeral and other burial costs, as well as offers limited liability, named peril property policies covering dwellings and contents. Home Service Insurance segment provides policies and services through home service marketing distribution system agents, who sell policies, collect premiums, and service policyholders. Citizens, Inc. was founded in 1969 and is based in Austin, Texas.

CNP Assurances is France's top personal life insurer. In addition to life insurance and other savings products, it sells health, death and disability, and other personal risk coverage and pensions. CNP sells its products primarily through about 20,000 outlets of La Poste, the French postal service, and La Caisse Nationale des Caisses d'Epargne, the state savings banks; together these two channels account for about 75% of CNP's sales. These partners are also shareholders in the company, together owning about 35%. Another French paragovernmental organization, Caisse des Depots et Consignations, owns 40%.

Founded in 1882, CFG has remained a mutual insurance company for more than 125 years. Columbian Financial Group sells its policies to individuals and businesses throughout the US. Columbian Financial Group (CFG) includes a collection of companies that provide life insurance products, including main insurance subsidiaries Columbian Mutual Life and Columbian Life. Columbian Financial Group uses a network of agents to distribute its policies, which include universal, term, and whole life coverage, as well as home service, worksite voluntary benefits, pre-need, and final expense products.

Since its predecessor was founded as Columbus Mutual in 1906, Columbus Life Insurance Company has consistently grown and prospered for 100 years. Today, we have more than 2,000 financial service representatives marketing our insurance products and services, supported by a diverse and talented home office team of insurance professionals.At Columbus Life we believe that we best serve our policyowners through continued support of our financial service representatives. We believe that if they are treated as we would want to be treated, they will market the Company's products and services with greater enthusiasm. More importantly, a strong and friendly relationship with the field representatives will encourage them to develop a long-term relationship with their clients and Columbus Life.

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