Citizens Financial Corporation is a holding company. The Company is engaged in the business of ancillary health insurance through its insurance subsidiary, Citizens Security Life Insurance Company (CSLICo), and providing administrative services to certain medical professionals involved in providing on-site treatment to patients in community settings. The primary products marketed by CSLICo are ancillary insurance products under two names: CS Benefits and Special Care Insurance. CS Benefits includes group ancillary insurance products, such as group dental insurance, group vision insurance and group life insurance. 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 includes individual ancillary insurance products, such as individual dental insurance and individual vision insurance to the senior market.