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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 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.
Lincoln Financial (NYSE: LNC) has released its Q1 Market Intel Exchange report, offering key insights for investors in 2025. The report highlights three main trends: First, while the Federal Reserve is expected to continue its cutting cycle, rate cut expectations are shifting due to stronger economy and stickier inflation projections. Historical analysis shows stocks typically gain +20% in the 12 months following the first cut during non-recessionary periods.
Second, the report examines how the new administration's policies could impact markets, with potential tailwinds from tax cuts and deregulation, but uncertainty regarding trade and immigration policies' inflationary effects. Third, despite the S&P 500's back-to-back 20% gains in 2023 (26.3%) and 2024 (25%), historical data suggests continued positive performance, with an average 12% gain following similar occurrences since 1950.
Lincoln Financial (NYSE: LNC) has appointed Tom Morelli as Vice President, Investment Distribution. Morelli, who previously served as Head of Wealth Management at T. Rowe Price, brings over 25 years of experience in investment distribution. In his new role, he will support the distribution of Lincoln's portfolio of more than 100 sub-advised variable insurance funds, mutual funds, model portfolios, and other investment solutions. At T. Rowe Price, Morelli led significant growth in sales and assets across various product categories. He will report to John Kennedy, Executive Vice President, Chief Distribution and Brand Officer.
Lincoln Financial (NYSE:LNC) has announced a quarterly cash dividend declaration. The company's board of directors has approved a dividend of $0.45 per share on common stock. The dividend will be paid on February 3, 2025, to shareholders who are recorded as stockholders by the close of business on January 10, 2025.
Lincoln Financial (NYSE:LNC) has announced a quarterly dividend of $562.50 per share on its 9.000% Non-Cumulative Preferred Stock, Series D. The dividend, which equates to $0.5625 per depositary share for holders of the $25,000 liquidation preference shares, will be paid on December 1, 2024. Shareholders must be on record by November 15, 2024, with an ex-dividend date of November 14, 2024.
Lincoln Financial (NYSE: LNC) reported Q3 2024 results with a net loss of $(562) million, or $(3.29) per diluted share, while adjusted operating income was $358 million, or $2.06 per diluted share. The company's RBC ratio exceeded 420% at quarter-end. Key business highlights include: Annuities operating income up 15% year-over-year to $300 million with sales up 24% to $3.4 billion; Group Protection operating income more than doubled with margin expanding to 8.5%; Life Insurance delivered $14 million in operating income with 16% sequential sales growth; and Retirement Plan Services reported $44 million in operating income with positive net flows of $651 million.
Lincoln Financial (NYSE: LNC) has announced the appointment of Jennifer Charters as Executive Vice President and Chief Information Officer, effective November 18, 2024. Charters, with 30 years of experience in financial services technology, will oversee the company's enterprise-wide technology and digital strategy. She will report to CEO Ellen Cooper and join the Senior Management Committee.
Charters previously served as EVP and CIO at Flagstar Bank and held the position of CIO of Corporate Technology at Ally Financial. She began her career at Accenture, focusing on systems development and process improvement. Charters holds a BS in Computer Science and an MBA, and is actively involved in promoting women in technology.
This appointment comes as part of Lincoln Financial's efforts to optimize its operating model and accelerate technology modernization. Charters will replace Ken Solon, whose planned retirement is scheduled for early 2025.
Lincoln Financial (NYSE: LNC) has released its Q4 Market Intel Exchange report, offering comprehensive analysis of top industry trends and investor concerns. The report, curated from in-house expertise and Lincoln's Multimanager Platform, highlights:
1. Federal Reserve rate cutting cycle: Potential implications for investors, including cash movement and equity performance.
2. Market performance around presidential elections: Historical trends in volatility and post-election rallies.
3. Market volatility as an opportunity: Analysis of investment returns during periods of high volatility.
Jayson Bronchetti, Chief Investment Officer, provides an overview of key takeaways in the CIO Perspectives video. The report aims to help financial professionals and clients achieve long-term investment goals amidst changing market conditions.
Lincoln Financial (NYSE:LNC) has announced its schedule for reporting 2024 third quarter results. The company will release its earnings on October 31, 2024, at 6:00 a.m. Eastern Time, followed by a conference call at 8:00 a.m. Eastern Time on the same day. Earnings materials, including the Earnings Release, Earnings Supplement, and Statistical Supplement, will be available on the company's Investor Relations web page.
An audio webcast of the conference call will be broadcast live through Lincoln's website. A replay will be available by 10:00 a.m. Eastern Time on October 31, 2024. The company has also provided anticipated future earnings release and conference call dates for the fourth quarter and full year 2024, as well as the first and second quarters of 2025.
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