Marita Zuraitis | President and CEO |
Bret Conklin | EVP and CFO |
Bill Caldwell | EVP, Product |
Wade Rugenstein | EVP, Operations and Supplemental |
Heather Wietzel | VP, IR |
Matt Carletti | JMP Securities |
John Barnidge | Piper Sandler |
Meyer Shields | Keefe, Bruyette & Woods |
Gary Ransom | Dowling & Partners |
Good morning and welcome to the Horace Mann Educators’ Fourth Quarter and Full Year 2019 Investor Conference Call. All participants will be in a listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].