Great-West Lifeco Inc. (GWO) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.098 Thank you for standing by. Welcome to the Great West LifeCo fourth quarter and 00:00:05.098 -- 00:00:07.120 full gear 2025 00:00:07.120 -- 00:00:12.267 results conference call. As a reminder, all participants are in listen 00:00:12.267 -- 00:00:15.691 only mode and the conference is being recorded. 00:00:15.691 -- 00:00:21.098 After the presentation, there will be an opportunity for analysts to ask questions. 00:00:21.098 -- 00:00:25.925 To join the question queue, you may press star then the number one on your telephone 00:00:25.925 -- 00:00:31.390 keypad. Should you need assistance during the conference call, you may signal an operator 00:00:31.390 -- 00:00:36.856 by pressing star, then zero. I would like to now turn the conference over to Mr. 00:00:36.856 -- 00:00:41.921 Shubha Khan, Senior Vice President and Head of Investor Relations at Great 00:00:41.921 -- 00:00:45.603 West Life Co. Please go ahead. 00:00:46.146 -- 00:00:49.529 Thank you, Morgan. Hello, everyone, and thank you for joining the call to discuss our 00:00:49.529 -- 00:00:52.553 fourth quarter and full year financial results. 00:00:52.553 -- 00:00:56.757 Before we start, please note that a link to our live webcast and materials for this call 00:00:56.757 -- 00:00:59.752 have been posted on our website at greatwestlifeco.com. 00:00:59.752 -- 00:01:04.476 under the Investor Relations tab. Turning to slide two, I'd like to draw your attention 00:01:04.476 -- 00:01:08.039 to the cautionary language regarding the use of forward-looking statements, which form 00:01:08.039 -- 00:01:13.224 part of today's remarks. And please refer to the appendix for a note on the use of non-IFRS 00:01:13.224 -- 00:01:17.168 financial measures and important notes on adjustments, terms, a...