John Hall | executive |
Michel Khalaf | executive |
John McCallion | executive |
Ryan Krueger | analyst |
Suneet Kamath | analyst |
Thomas Gallagher | analyst |
Ramy Tadros | executive |
Jamminder Bhullar | analyst |
Elyse Greenspan | analyst |
Taylor Scott | analyst |
John Barnidge | analyst |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Fourth Quarter 2023 Earnings Release Conference Call. [Operator Instructions].
As a reminder, this conference is being recorded.
Before we get started, I refer you to the cautionary note about forward-looking statements in yesterday's earnings release and to risk factors discussed in MetLife's SEC filings.