Heather Wietzel | Vice President, Investor Relations |
Marita Zuraitis | President & Chief Executive Officer |
Bret Conklin | Executive Vice President & Chief Financial Officer |
Bill Caldwell | Executive Vice President, Property & Casualty |
Bret Benham | Executive Vice President, Life & Retirement |
Ryan Greenier | Vice President, Corporate Finance |
Christopher Campbell | KBW |
Matt Carletti | JMP Securities |
Greetings and welcome to the Horace Mann Fourth Quarter 2018 Earnings Call. At this time, all participants are in a listen only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Heather Wietzel, Vice President of Investor Relations.