Lincoln National Corporation (NYSE:LNC) Q3 2023 Earnings Conference Call November 2, 2023 10:00 AM ET

Company Participants

Adam Cohen - CAO and Interim Chief Head, Investor Relations

Ellen Cooper - Chairman, President and CEO

Chris Neczypor - CFO

Conference Call Participants

Alex Scott - Goldman Sachs

Tom Gallagher - Evercore ISI

Ryan Krueger - KBW

Mike Ward - Citi

John Barnidge - Piper Sandler

Jimmy Bhullar - JPMorgan

Wes Carmichael - Wells Fargo

Wilma Burdis - Raymond James

Operator

Good morning and thank you for joining, Lincoln Financial Group Third Quarter 2023 Earnings Webcast.

At this time, all lines are in a listen only mode. Later, we will announce the opportunity for questions, and instructions will be given at that time. [Operator instructions]

Now I will turn the call over to the Chief Accounting Officer and Interim Chief Head of Investor Relations, Adam Cohen. Please go ahead, sir.

Adam Cohen

Thank you. Good morning, and welcome to Lincoln Financial's third quarter earnings call. Before we begin, I have an important reminder. Any comments made during the call regarding future expectations, including those regarding deposits, expenses, income from operations, share repurchases and liquidity and capital resources are forward-looking statements under the Private Securities Litigation Reform Act of 1995.

These forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from current expectations. These risks and uncertainties include those described in the cautionary statement disclosures, in our earnings release issued yesterday, as well as those detailed in our 2022 annual report on Form 10-K, most recent quarterly reports on Form 10-Q and from time-to-time in our other filings with the SEC. These forward-looking statements are made only as of today, and we undertake no obligation to update or revise any of them to reflect events or circumstances that occur after this date.

We appreciate your participation today and invite you to visit Lincoln's website, www.lincolnfinancial.com, where you can find our press release and statistical supplement, which include full reconciliations of non-GAAP measures used on this call, including adjusted income from operations or adjusted operating income and adjusted income from operations available to common stockholders to the most comparable GAAP measures.

Presenting on today's call are Ellen Cooper, Chairman, President and CEO and Chris Neczypor, Chief Financial Officer. After their prepared remarks, we will move to the question-and-answer portion of the call.

I would now like to turn the call over to Ellen.