Nicole Russell | Head of Investor Relations. |
Glenn Williams | Chief Executive Officer |
Alison Rand | Executive VP & Chief Financial Officer |
Andrew Kligerman | Credit Suisse |
Ryan Krueger | KBW |
Mark Hughes | Truist |
Dan Bergman | Jefferies |
0:02 Welcome to today’s Primerica Q4 Earnings Results Conference Call and Webcast. My name is Nate (ph) and I'll be the moderator for today’s call. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. 0:17 I’d like to now pass the conference over to Nicole Russell with Primerica. Nicole, your line is open.