LINCOLN NATIONAL CORP

Lincoln National Corporation, marketed as Lincoln Financial, is a holding company that operates insurance and retirement businesses through its subsidiaries across the United States. It focuses on helping individuals and employers plan for their financial futures through four core segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities segment provides fixed, indexed, and variable annuities for tax-deferred investment growth and lifetime income. Retirement Plan Services offers employer-sponsored defined contribution plans and related services. The Life Insurance segment delivers term insurance, universal life, variable universal life, indexed universal life, and linked-benefit products with critical illness and long-term care options. Group Protection supplies non-medical group benefits including term life, disability, dental, vision, accident, and critical illness coverage via employee-paid and employer-paid plans. Serving approximately 17 million customers, Lincoln National Corporation maintains substantial end-of-period account balances, net of reinsurance, in its annuities and retirement operations. Founded in 1968 and headquartered in Radnor, Pennsylvania, it plays a key role in the life insurance and retirement services markets.