Kemper Corporation

Good afternoon ladies and gentlemen and welcome to Kemper's third quarter 2022 earnings conference call. My name is Drew and I'll be coordinating your call today. At this time all participants are in a listen only mode. Later we will conduct a question and answer session and instructions will follow at that time. As a reminder this conference call is being recorded for replay purposes. I'd now like to introduce your host for today's conference call Karen Guerra, KEMPER's Vice President of Investor Relations. Ms. Guerra, you may begin.

Thank you, Operator.

Good afternoon, everyone, and welcome to KEMPER's discussion of our third quarter 2022 results. This afternoon, you'll hear from Joe Lager, KEMPER's President, Chief Executive Officer and Chairman, Jim McKinney, KEMPER's Executive Vice President and Chief Financial Officer, and Dwayne Sanders, Kemper's Executive Vice President and the Profit and Casualty Division President. We'll make a few opening remarks to provide context around our third quarter results and then open the call for a Q&A session. During the interactive portion of our call, our presenters will be joined by John Buscelli, Kemper's Executive Vice President and Chief Investment Officer. After the markets closed today, we issued our earnings release and published our earnings presentation and financial supplement and Form 10-Q. You can find these documents on the Investors section of the website Kemper.com. Our discussions today may contain forward-looking statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, the company's outlook and its future results operations and financial conditions. Our actual future results and financial conditions may differ materially from these statements. These statements may also be impacted by COVID-19 pandemic. For information on additional risks that may impact these forward-looking statements, please refer to our 2021 Form 10-K, as well as our third quarter earnings release. This afternoon's discussion also includes non-GAAP financial measures we believe are meaningful to investors. In our financial supplement, earnings presentation, and earnings release, we've defined and reconciled all the non-GAAP financial measures to GAAP where required in accordance with the SEC rules. You can find each of these documents on the investor section of our website, Kemper.com. All comparative references will be to the corresponding 2021 period unless otherwise stated. I will now turn the call over to Joe.