Nicole Russell | Head, IR |
Glenn Williams | CEO |
Alison Rand | CFO |
Mark Hughes | SunTrust |
Dan Bergman | Citi |
Andrew Kligerman | Credit Suisse |
Jeff Schmitt | William Blair |
Good day. My name is Mike. And I will be your conference operator today. At this time, I would like to welcome everyone to Primerica's Inc. Q4 2019 Earnings Results Conference Call and Webcast.