Q4 2019 Kemper Corp Earnings Call Transcript
Good afternoon, ladies and gentlemen, and welcome to Kemper's Fourth Quarter 2019 Earnings Conference Call. My name is Sean, and I will be your coordinator today. (Operator Instructions) As a reminder, the conference call is being recorded for replay purposes. I would now like to introduce your host for today's conference call, Christine Patrick, Kemper's Vice President of Investor Relations. Ms. Patrick, you may begin.
Thank you, Sean. Good afternoon, everyone, and welcome to Kemper's discussion of our fourth quarter 2019 results. This afternoon, you'll hear from Joe Lacher, Kemper's President and Chief Executive Officer; Jim McKinney, Kemper's Executive Vice President and Chief Financial Officer; and Duane Sanders, Kemper's Executive Vice President and the Property & Casualty Division President.
We'll make a few opening remarks to provide context around our fourth quarter and full year results and then open up the call for a question-and-answer session. During the interactive portion of the call,
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