Al Copersino | Vice President, Head of Investor Relations |
Dennis Glass | President and Chief Executive Officer |
Randy Freitag | Chief Financial Officer and Head, Individual Life |
Andrew Kligerman | Credit Suisse |
Tom Gallagher | Evercore |
Erik Bass | Autonomous Research |
Suneet Kamath | Citi |
Jimmy Buehler | JPMorgan |
Good morning. And thank you for joining Lincoln Financial Group's Fourth Quarter 2020 Earnings Conference Call. At this time, all lines are in a listen-only mode. Later, we will announce the opportunity for questions and instructions will be given at that time. [Operator Instructions] I would now like to turn the conference over to the Vice President of Investor Relations Al Copersino.