Brighthouse Financial, Inc.

During Q&A, you can dial star 1-1.

Good morning, ladies and gentlemen, and welcome to the Bright House Financial's third quarter 2022 earnings conference call. My name is Michelle, and I will be your coordinator today. At this time, all participants are in a listen-only mode. We will facilitate a question and answer session towards the end of the conference call. In fairness to all participants, please limit yourself to one question and one follow-up. As a reminder, this conference is being recorded for replay purposes. I would now like to turn the presentation over to Dana Amante, Head of Investor Relations. Ms. Amante, you may begin.

Thank you, and good morning. Welcome to Bright House Financial's third quarter 2022 earnings call. Material for today's call were released last night and can be found on the investor relations section of our website. We encourage you to review all of these materials. Today, you will hear from Eric Sagerwald, our president and chief executive officer, and Ed Spihar, our chief financial officer. Following our prepared remarks, we will open the call up for a question and answer period. Also here with us today to participate in the discussions are other members of senior management. Before we begin, I would like to note that our discussion during this call may include forward-looking statements within the meaning of the federal securities laws. Bright House Financial's actual results may differ materially from the results anticipated in the forward-looking statements as a result of risks and uncertainties described from time to time in Bright House Financial's filings with the U.S. Securities and Exchange Commission. Information discussed on today's call speaks only as of today, November 8, 2022. The company undertakes no obligation to update any information discussed on today's call. During this call, we will be discussing certain financial measures that are not based on generally accepted accounting principles. Non-GAAP measures. Reconciliation of these non-GAAP measures on a historical basis to the most directly comparable GAAP measures and related definitions may be found on the investor relations portion of our website in our earnings release, slide presentation, and financial supplements. And finally, references to statutory results, including certain statutory-based measures used by management, are preliminary due to the timing of the filing of the statutory statement. And now I'll turn the call over to our CEO, Eric Stagerwald.