Primerica, Inc.

Okay, we are good to go on this end.

Hello, everyone, and thank you for joining the Pre-America 3Q 2022 Earnings Conference Call. My name is Darius, and I'll be the operator for today. Before I hand you over to your host, Nicole Russell, I would like to remind you that if you would like to ask a question during the Q&A session at the end of the call, please press star for the one on your telephone keypad. I now have the pleasure of handing over to your host, Nicole Russell, Head of Investor Relations. Please go ahead, Nicole.

Thank you, Darius, and good morning, everyone. Welcome to Primerica's third quarter earnings call. A copy of our earnings press release, along with materials that are relevant to today's call, are posted on the investor relations section of our website. Joining our call today are our Chief Executive Officer, Glenn Williams, and our Chief Financial Officer, Allison Ram. Glenn and Allison will deliver prepared remarks, and then we'll open the call-out for your questions. During our call, some of our comments may contain forward-looking statements in accordance with the state's proper provisions of the Securities Litigation Reform Act. The company assumes no obligation to update these statements to reflect new information. We refer you to our most recent form 10-K filing, as well as as may be modified by subsequent forms 10Q for a list of risks and uncertainties that could cause actual results to materially differ from those expressed or implied. We will also reference certain non-GAAP measures during this call, which we believe will provide additional insight into the company's operations. Reconciliations to non-GAAP measures to their respective GAAP numbers are included at the end of the earnings press release and are available on our Investors Relations website. I now turn the call over to Glenn.