Tom White | SVP, IR |
Rick McKenney | President, CEO & Director |
Steven Zabel | CFO |
Mike Simonds | COO |
Peter O'Donnell | Head of International Bussiness |
Tim Arnold | Head of Colonial Life |
Ryan Krueger | KBW |
Suneet Kamath | Citi |
Thomas Gallagher | Evercore ISI |
Humphrey Lee | Dowling & Partners |
Andrew Kligerman | Credit Suisse |
Eric Bass | Autonomous Research |
Jimmy Bhullar | JP Morgan |
Good day and welcome to the Unum Fourth Quarter 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 of Investor Relations. Please go ahead.