Francesca Luthi | Chief Communication & Marketing Officer |
Alan Colberg | President & Chief Executive Officer |
Richard Dziadzio | Executive Vice President & Chief Financial Officer |
Mark Hughes | SunTrust Robinson Humphrey, Inc. |
Brian Meredith | UBS |
Michael Phillips | Morgan Stanley |
Gary Ransom | Dowling & Partners Securities, LLC |
Welcome to Assurant's Fourth Quarter and Full-Year 2019 Earnings Conference Call and Webcast. At this time, all participants have been placed in a listen-only mode, and the floor will be opened for your questions following management's prepared remarks. [Operator Instructions]
It is now my pleasure to turn the floor over to Francesca Luthi, Executive Vice President and Chief Communications, Marketing Officer.
You may begin.