LINCOLN NATIONAL CORP

Lincoln National Corporation operates a diversified portfolio of insurance and retirement businesses serving individual and institutional customers across the United States. Founded in 1905 and incorporated in Indiana, the company provides life insurance products ranging from term and universal life policies to variable universal life and linked-benefit products, often bundled with critical illness and long-term care riders. Its annuities business encompasses variable, fixed, and registered index-linked annuities designed for retirement accumulation and income strategies.

The company's business is organized into four primary segments. Life Insurance generates revenue through individual life insurance policies sold through brokers and financial advisors. Annuities focuses on retirement income products and vehicles. Group Protection serves employers by offering non-medical insurance benefits including short and long-term disability, paid family leave administration, term life, dental and vision coverage, and accident and critical illness benefits. Retirement Plan Services provides defined contribution retirement plan products, variable and fixed group annuities, and plan administration services including recordkeeping, compliance testing, and participant education.

Lincoln National distributes its products through a network of consultants, brokers, financial planners, agents, financial advisors, and financial institutions. Headquartered in Radnor, Pennsylvania, the company maintains a substantial operational footprint across the United States to serve its individual, employer, and institutional customer base.