Al Copersino | Vice President of Investor Relations |
Dennis Glass | President and Chief Executive Officer |
Randy Freitag | Chief Financial Officer and Head of Individual Life |
Jimmy Bhullar | JP Morgan |
Erik Bass | Autonomous Research |
Thomas Gallagher | Evercore |
Ryan Krueger | KBW |
Humphrey Lee | Dowling and Partners |
Josh Shanker | Bank of America |
Andrew Kligerman | Credit Suisse |
Good morning and thank you for joining Lincoln Financial Group's Third Quarter 2021 Earnings Conference Call. At this time, all lines are in listen-only mode. Later, we'll announced the opportunity for questions and instructions will be given at that time. [Operator Instructions].
Now, I would like to turn the conference over to the Vice President of Investor Relations, Al Copersino.