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August 02, 2012 10:00 am ET
Thomas R. Watjen - Chief Executive Officer, President and Director
Richard P. McKenney - Chief Financial Officer, Executive Vice President and Principal Accounting Officer
John F. McGarry - Executive Vice President, Chief Executive Officer of Unum UK and President of Unum UK
Randall C. Horn - Executive Vice President, President and Chief Executive Officer of Colonial Life and Colonial life & Accident Insurance Company
Kevin P. McCarthy - Chief Operating Officer, Executive Vice President, President of Unum Us and Chief Executive Officer of Unum Us
Jamminder S. Bhullar - JP Morgan Chase & Co, Research Division
Suneet L. Kamath - UBS Investment Bank, Research Division
Edward A. Spehar - BofA Merrill Lynch, Research Division
John M. Nadel - Sterne Agee & Leach Inc., Research Division
Christopher Giovanni - Goldman Sachs Group Inc., Research Division
Ryan Krueger - Dowling & Partners Securities, LLC
A. Mark Finkelstein - Evercore Partners Inc., Research Division
Good day and welcome to the Unum Group's Second Quarter 2012 Earnings Results Conference Call. This call is being recorded. At this time, for opening remarks and introductions, I would like to turn the call over to the Senior Vice President of Investor Relations, Mr. Tom White. Please go ahead, sir.
Great. Thank you, operator. Good morning, everyone, and welcome to the Second Quarter 2012 Conference Call for Unum. Our remarks this morning will include forward-looking statements, which are statements that are not of current or historical fact. As a result, actual results might differ materially from results suggested by these forward-looking statements. Information concerning factors that could cause the results to differ appears in our filings with the SEC and are also located in the section titled Cautionary Statement Regarding Forward-Looking Statements and Risk Factors on our annual report on Form 10-K for the fiscal year ended December 31, 2011, as well as our subsequently filed Form 10-Q. Our SEC filings can be found in the Investors section of our website at www.unum.com.