Al Copersino | Vice President of Investor Relations |
Dennis Glass | President & Chief Executive Officer |
Randy Freitag | Chief Financial Officer & Head of Individual Life |
Elyse Greenspan | Wells Fargo |
Tom Gallagher | Evercore |
Humphrey Lee | Dowling & Partners |
Ryan Krueger | KBW |
Jimmy Bhullar | JPMorgan |
John Barnidge | Piper Sandler |
Suneeth Kamath | Citi |
Good morning, and thank you for joining Lincoln Financial Group's First Quarter 2021 Earnings Conference Call. At this time, all lines are in a listen-only mode. Later, we will announce the opportunity for questions and instructions will be given at that time. [Operator Instructions] Now I'd like to turn the conference over to the Vice President of Investor Relations, Al Copersino. Please go ahead, sir.