Thomas White | SVP, IR |
Richard McKenney | President, CEO & Director |
Steven Zabel | EVP & CFO |
Michael Simonds | EVP, President & CEO, Unum US |
Timothy Arnold | EVP, President & CEO, Colonial Life |
Peter O'Donnell | EVP & CEO, Unum International |
Jimmy Bhullar | JPMorgan |
Humphrey Lee | Dowling & Partners |
Ryan Krueger | KBW |
Andrew Kligerman | Credit Suisse |
Suneet Kamath | Citi |
John Nadel | UBS |
Thomas Gallagher | Evercore ISI |
Alex Scott | Goldman Sachs |
Erik Bass | Autonomous Research |
Good day and welcome to the Unum Group of Q3 2019 Earnings Conference Call. Today's call is being recorded.
At this time, I would like to turn the conference over to Mr. Tom White. Please go ahead, sir.