Lincoln National Corp.

Lincoln National Corporation ( LNC, which also may be referred to as Lincoln, we, our or us ) is a holding company that operates multiple insurance and retirement businesses through subsidiary companies. Through our business segments, we sell a wide range of wealth accumulation, wealth protection, group protection and retirement income products and solutions. LNC was organized under the laws of the state of Indiana in 1968. We currently maintain our principal executive offices in Radnor, Pennsylvania. Lincoln Financial is the marketing name for LNC and its subsidiary companies. We provide products and services and report results through four business segments as follows: Annuities Life Insurance Group Protection Retirement Plan Services We also have Other Operations, which includes the financial results for operations that are not directly related to the business segments. The results of Lincoln Financial Distributors ( LFD ), our wholesale distributor, are included in the segments for which it distributes products. LFD distributes our individual life insurance and annuity products, retirement plan products and services and corporate-owned universal life insurance and variable universal life insurance ( COLI ) and bank-owned universal life insurance and variable universal life insurance ( BOLI ) products and services. The distribution occurs through financial intermediaries, including consultants, brokers, planners, agents, financial advisers, third-party administrators ( TPAs ), financial institutions and other intermediaries.