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Operator
Good morning, and welcome to the Unum Group Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions]
At this time, I would like to turn the conference over to Tom White, Senior Vice President, Investor Relations. Please go ahead, sir.
Tom White
Senior Vice President, Investor Relations
Great. Thank you, Tracy. Good morning, everyone and welcome to the fourth quarter 2020 earnings conference call for Unum. Our remarks today 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 results to differ, appears in our filings with the Securities and Exchange Commission and are also located in the sections titled Cautionary Statement regarding forward-looking statements and risk factors in our annual report on Form 10-K for the fiscal year ended December