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## HOME SERVICE INSURANCE 

Our Home Service Insurance segment provides pre-need and final expense ordinary life insurance and annuities to middle and lower income individuals primarily in Louisiana, Mississippi and Arkansas. Our policies in this segment are sold and serviced through a home service marketing distribution system and through funeral homes utilizing over 444 employees and independent agents. 

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Premiums. The premiums in this segment remained relatively flat in 2019 compared to 2018 and 2017. 

The following table sets forth our direct premiums by state for the periods indicated. 

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Net Investment Income.  Net investment income decreased slightly in 2019 as a fall in yields and an increase in investment expenses offset a slight increase in average invested assets. As previously described, it has been challenging to find attractive yields in the current low interest rate environment. See Investments  below for more detailed information on our investments. 

