Operator 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] Thank you. I will now turn the call over to Nicole Russell, Head of Investor Relations. You may begin your conference. Nicole Russell -- Senior Vice President, Investor Relations Thank you, Kate, and good morning, everyone. Welcome to Primerica's fourth quarter earnings call. A copy of our earnings press release, along with materials that are relevant to today's call, are posted on our Investor Relations -- on the Investor Relations section of our website at investors.primerica.com.