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Overview of Lincoln National Corporation (LNC)
Lincoln National Corporation (LNC) is a multifaceted financial services firm specializing in insurance and retirement solutions. With decades of operational experience, LNC has built a robust reputation for offering a comprehensive suite of products, including annuities, various forms of life insurance such as universal, variable, and indexed policies, as well as group protection services. The company caters to a diverse clientele ranging from individual investors and policyholders to corporate clients seeking group coverage and retirement plan solutions. By integrating industry best practices with a deep understanding of risk management, LNC remains a dependable resource in an increasingly complex financial landscape.
Core Business Areas
LNC is structured around several key business segments, each designed to address different aspects of financial security and long-term planning. Annuity products offer policyholders options that range from fixed and variable products to innovative indexed models, thereby providing income security in retirement. Its retirement plan services are tailored for employers and individual clients looking for effective financial planning assistance, emphasizing strategic asset allocation and risk management. Additionally, the firm’s life insurance offerings include term life, universal life, variable universal life, and linked-benefit products, ensuring that clients can choose a product that aligns with their financial goals and risk tolerance.
Detailed Service Offerings
The company distinguishes itself through a well-integrated portfolio of services and products:
- Annuities: LNC provides a range of annuity solutions that offer financial stability with options such as fixed and indexed annuities, designed to meet the income needs of retirees.
- Life Insurance: The firm’s life insurance products, including universal and variable policies, are structured to offer flexibility and adaptability. They are designed to secure a financial legacy for beneficiaries and adapt to evolving personal financial circumstances.
- Group Protection and Retirement Plans: For corporate clients, LNC offers group life, disability, and dental insurance as well as employer-sponsored retirement plans. These services are built upon robust systems that facilitate efficient administration and support tailored benefits solutions.
- Consulting and Advisory Services: Complementing its product offerings, LNC provides consulting services that guide clients in selecting the appropriate mix of products to safeguard their long-term financial interests. This includes strategic planning to help manage risk and optimize benefits over time.
Operational Excellence and Market Position
Lincoln National Corporation has established itself as an experienced operator in the competitive insurance and retirement services industry. Its extensive network, built through longstanding relationships and deep industry knowledge, enables the company to continuously refine its service offerings. LNC’s business model is designed for resilience and adaptability, aiming to meet a wide array of client needs without relying on time-sensitive strategies or promotions. Rather, its value lies in continually providing sound financial products and advice that match the evolving requirements of an increasingly diverse client base.
Global Reach and Service Network
Although rooted in a strong domestic market, LNC extends its services through an expansive partner network that facilitates global delivery and support. Through its network, the company provides comprehensive service and repair facilities where applicable, ensuring that policyholders have access to consistent and reliable support. The emphasis on customer service and tailored solutions is reflected in the company’s continuous commitment to offering warranty support, efficient spare parts procurement, and rigorous safety and compliance protocols across its product lines.
Commitment to Expertise and Trust
LNC's long-standing history in the industry is underpinned by a commitment to the principles of experience, expertise, authoritativeness, and trustworthiness (E-E-A-T). The company’s approach is illustrated by its methodical product development and risk management strategies. By providing detailed, insightful, and balanced information on its service offerings, LNC empowers its customers and investors with the knowledge needed to make informed financial decisions. The transparent methodologies employed in underwriting, policy administration, and customer support further attest to LNC's reliability and established market presence.
Industry-Specific Insights and Operational Transparency
Understanding the intricacies of the modern financial landscape is crucial for both clients and stakeholders. LNC demonstrates operational transparency by explaining the interconnections between its various business segments and how they collectively contribute to secure retirement planning and life insurance solutions. The company emphasizes rigorous risk assessment, the diversification of product lines, and continual adaptation to address current market dynamics—all of which serve to enhance its overall value proposition for investors and clients alike.
Summary
Lincoln National Corporation is a diversified financial services firm deeply rooted in the insurance and retirement sectors. It offers a wide range of products including annuities, life insurance, and group protection services, all structured to provide long-term financial security. Through decades of experience, an expansive global network, and a commitment to high-quality service, LNC presents a balanced, comprehensive approach to managing risk and securing financial futures without reliance on time-sensitive strategies. Its integrative approach to consulting and product development underscores a robust, enduring business model that continues to serve its diverse clientele with unwavering reliability.
This detailed overview embodies the blend of strategic planning, product diversity, and operational transparency that defines Lincoln National Corporation, making it a pivotal entity in the field of financial services.
Lincoln Financial (NYSE: LNC) has launched Lincoln WealthBuilderSM IUL, the first product in its new Elite Indexed Universal Life (IUL) Portfolio. This strategic initiative comes as IUL sales are projected to represent nearly 25% of the total U.S. life insurance market in 2024.
The Elite IUL Portfolio will feature three products offering differentiated options through: enhanced volatility-controlled indices (VCI) from the S&P 500®, traditional and uncapped VCI indexed accounts, and performance multiplier riders. The company has partnered with S&P 500® to introduce two new indexed accounts: the S&P 500 Dynamic Intraday TCA 15% Index and S&P 300 Daily Risk Control 10% Index, featuring the highest volatility targets ever offered by Lincoln Financial.
According to Lincoln's research, 88% of consumers want growth solutions, while 69% desire an equal mix of growth and protection. The new product includes features like the Performance Multiplier Rider for accelerated performance and an Enhanced Overloan Protection Rider to protect heavily loaned policies from lapse.
Lincoln Financial (NYSE: LNC) has launched Lincoln WealthBuilderSM IUL, the first product in their new Elite Indexed Universal Life Portfolio. This strategic initiative comes as IUL sales are projected to represent nearly 25% of the total U.S. life insurance market in 2024.
The Elite IUL Portfolio will feature three products offering differentiated solutions through S&P 500 indices. The new product includes enhanced volatility-controlled indexed accounts based on two indices: the S&P 500 Dynamic Intraday TCA 15% Index and S&P 500 Daily Risk Control 10% Index, providing the highest volatility targets ever offered by Lincoln Financial.
Key features include:
- Enhanced volatility-controlled indices (VCI) from S&P 500
- Traditional and uncapped VCI indexed accounts
- Performance multiplier rider for additional growth potential
- Enhanced Overloan Protection Rider
According to Lincoln's research, 88% of consumers want growth solutions, while 69% seek an equal mix of growth and protection. The portfolio allows policyholders to allocate funds across multiple indexed account options and switch between them based on needs or market conditions.
Lincoln Financial (NYSE: LNC) has announced plans to expand into private markets through partnerships with Bain Capital and Partners Group, launching two new private markets-focused funds expected to be available in late 2025.
The first fund, in partnership with Bain Capital, will offer an evergreen portfolio focused on private credit investments, including direct lending, asset-based finance, and structured credit. The second fund, developed with Partners Group, will provide access to a globally varied cross-sector private markets royalty portfolio, targeting sectors like pharmaceuticals, entertainment, energy transition, sports, and brands.
The initiative aims to meet growing demand from individual investors seeking access to private markets' return potential and diversification benefits. To support this expansion, Lincoln has hired industry veteran Tom Morelli to advance distribution efforts for private market funds and other investment solutions.
Lincoln Financial (NYSE: LNC) has achieved a significant milestone by being named one of the 2025 World's Most Ethical Companies® by Ethisphere for the fourth consecutive year. The company stands as one of only six honorees in the financial services industry among 136 recognized companies across 19 countries and 44 industries.
The recognition is based on Ethisphere's Ethics Quotient® assessment, which evaluates companies through 240+ proof points covering ethics, compliance, governance, environmental and social impact, and value chain initiatives. Ellen Cooper, chairman, president and CEO, emphasized the company's commitment to integrity, while Steve Harris, SVP and chief ethics and compliance officer, highlighted how ethical conduct enhances brand loyalty and market differentiation.
Lincoln Financial (NYSE: LNC) has announced the election of James (Jim) Morris to its Board of Directors, effective March 3, 2025. This appointment increases the board size from ten to eleven directors. Morris, who retired as Chairman, President and CEO of Pacific Life Insurance Company in April 2022, brings 40 years of industry experience to the role.
During his tenure at Pacific Life, Morris held various leadership positions including Chief Operating Officer, Executive Vice President, and Chief Insurance Officer. He currently serves on the Board of Directors for Edison International. Ellen Cooper, Chairman, President and CEO of Lincoln Financial, highlighted Morris's significant background in life insurance and his financial and risk management expertise as valuable assets for the company.
Lincoln Financial (NYSE:LNC) has announced a quarterly cash dividend of $0.45 per share on the 's common stock. The dividend will be payable on May 1, 2025, to shareholders of record at the close of business on April 10, 2025.
Lincoln Financial (NYSE: LNC) reported strong Q4 2024 results with net income of $1.7 billion ($9.63 per diluted share) and adjusted operating income of $332 million ($1.91 per diluted share). The company's RBC ratio exceeded 430% at year-end.
Key business highlights include:
- Group Protection achieved record Q4 and full-year sales, earnings, and margin
- Annuities generated 14% higher operating income reaching $303 million, with sales hitting $3.7 billion
- Life Insurance reported a $15 million operating loss due to unfavorable mortality
- Retirement Plan Services saw operating income increase 13% to $43 million, with full-year deposits up 25%
The company maintained strong capital position with holding company liquidity of $463 million and book value per share of $42.60 including AOCI. Total annuity sales increased 7% year-over-year, reaching their highest level since 2019.
Lincoln Financial (NYSE:LNC) has announced dividend declarations for two preferred stock series. The board approved a semi-annual dividend of $1,156.25 per share on the 9.250% Fixed Rate Reset Non-Cumulative Preferred Stock, Series C ($46.25 per depositary share, with each depositary share representing 1/25th interest). Additionally, a quarterly dividend of $562.50 per share was declared on the 9.000% Non-Cumulative Preferred Stock, Series D ($0.5625 per depositary share, with each depositary share representing 1/1,000th interest). Both dividends will be paid on March 1, 2025, to shareholders of record as of February 14, 2025.
Lincoln Financial (NYSE: LNC) has launched two new Variable Universal Life (VUL) products: an enhanced Lincoln AssetEdge VUL (2025) and the new Lincoln AssetEdge SVUL. The enhanced VUL (2025) features include a new Enhanced Overloan Protection Endorsement with no upfront fee, removed indexed account allocation threshold, and additional hedged equity investment options with lower fund fees.
The Lincoln AssetEdge SVUL, a survivorship policy covering two lives, offers competitive short-pay pricing, market participation opportunities, and various growth and liquidity options through riders. Both products aim to provide death benefit protection and tax advantages while allowing market-driven wealth accumulation potential. The launch aligns with market trends, as performance-based products represented 70% of VUL products sold in 2023.
Lincoln Financial (NYSE:LNC) has announced its schedule for reporting fourth quarter and full year 2024 financial results. The company will release its earnings report on February 6, 2025, at 6:00 a.m. Eastern Time, followed by a conference call at 8:00 a.m. Eastern Time.
The earnings materials, including the Q4 and full-year Earnings Release, Earnings Supplement, and Statistical Supplement, will be accessible on Lincoln's Investor Relations webpage. An audio webcast of the conference call will be available through the company's website, with participants advised to log in 15 minutes early to install necessary software. A replay will be available by 10:00 a.m. Eastern Time on the same day.
The company has also outlined its 2025 earnings release schedule: First Quarter results on May 8, Second Quarter on July 31, and Third Quarter on October 30, with all releases at 6:00 a.m. ET followed by conference calls at 8:00 a.m. ET.
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