Nicole Russell | Head of Investor Relations |
Glenn Williams | Chief Executive Officer |
Alison Rand | Chief Financial Officer |
Mark Hughes | Truist |
Jeff Schmitt | William Blair |
Good morning. My name is Kate, and I will be your conference operator today. At this time, I would like to welcome everyone to the Primerica Inc. Q4 Earnings Results Conference Call [Operator Instructions]. Please note, this event is being recorded.