Brighthouse Financial, Inc. (BHF) Q4 2024 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.014 Good morning ladies and gentlemen and welcome to Bright House Financial's fourth quarter 00:00:04.014 -- 00:00:07.437 and full year 2024 earnings conference call. 00:00:07.437 -- 00:00:10.440 My name is Michelle and I will be your coordinator today. 00:00:10.440 -- 00:00:13.562 At this time all participants are in a listen only mode. 00:00:13.562 -- 00:00:18.807 We will facilitate a question and answer session towards the end of the conference call. 00:00:18.807 -- 00:00:23.431 In fairness to all participants please limit yourself to one question and one follow-up. 00:00:23.431 -- 00:00:27.554 As a reminder this conference is being recorded for replay purposes. 00:00:27.554 -- 00:00:32.149 I would now like to Turn the presentation over to Dana Amonte, Head of Investor Relations. 00:00:32.149 -- 00:00:35.149 Ms. Amonte, you may proceed. 00:00:35.450 -- 00:00:38.052 Thank you, and good morning. 00:00:38.052 -- 00:00:43.014 Welcome to Bright House Financial's fourth quarter and full year 2024 earnings call. 00:00:43.014 -- 00:00:47.036 Materials for today's call were released last night and can be found on the Investor 00:00:47.036 -- 00:00:51.899 Relations section of our website. We encourage you to review all of these materials. 00:00:51.899 -- 00:00:56.161 Today, you will hear from Eric Stagerwald, our President and Chief Executive Officer, 00:00:56.161 -- 00:00:59.255 and Ed Spihar, our Chief Financial Officer. 00:00:59.255 -- 00:01:03.938 Following our prepared remarks, we will open the call up for a question and answer period. 00:01:03.938 -- 00:01:08.540 Also here with us today to participate in the discussions are Miles Lambert, our Chief 00:01:08.540 -- 00:01:13.443 Distribution and Marketing Officer, David Rosenbaum, Head of...