The trends also reflect expected higher travel and agency management-related expenses later this year compared to the prior year period as COVID-related social distancing protocols are relaxed.

Apr 29, 2021 / receipt, needs a key / Paul, CFO | earnings call 2021-04-29 | transcript 5afc1524-e0d2-46ef-85f7-81fed3ac6b89 | chars 17511-17704 | segment 17

Earnings were also favorably impacted by our continued strong free cash flow, Funding share repurchases that reduced our share count by 9% year-over-year. Allocated and unallocated expenses decreased by 4% in the aggregate, driven by general expense discipline as well as decreased travel and marketing-related expenses.

Nov 3, 2020 / receipt, needs a key / Paul McDonough, CFO | earnings call 2020-11-03 | transcript 69a9f170-9076-4c96-b3ad-41dbccd331c4 | chars 11666-11986 | segment 12

As we think about transitioning from the current environment, we are already reconsidering both how and where we work, and if previous levels of business travel still make sense.

May 8, 2020 / receipt, needs a key / Paul, CFO | earnings call 2020-05-08 | transcript 62d3f996-7fc4-4916-9173-6f1744379996 | chars 21365-21543 | segment 22

18.8% - 19.0% expense ratio

ir_statement / Sep 14, 2026 / receipt

Raising full-year operating EPS guidance

ir_statement / Sep 14, 2026 / receipt

First half 2026 spend was below plan and is expected to normalize over the balance of the year, with 3Q as the high water mark and a modest decline in 4Q.

ir_statement / Sep 14, 2026 / receipt

Expenses related to TechMod initiative

ir_statement / Sep 14, 2026 / receipt

14th consecutive quarter of growth in producing agent count (PAC)

ir_statement / Sep 14, 2026 / receipt

Raising operating EPS guidance

ir_statement / Sep 14, 2026 / receipt

Existing enrollment locations provide opportunities to develop new agents and generate repeatable revenue

ir_statement / Sep 14, 2026 / receipt

Move proven agents into high-potential “white space” with focused investment to support launch

ir_statement / Sep 14, 2026 / receipt

New Clients & Geographies

ir_statement / Sep 14, 2026 / receipt