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Company profile

Lincoln Financial

TypeListed United States life, annuity, group protection, and retirement groupHeadquarters / anchor marketUnited StatesLinesLife and healthThemesCompany referencesInsurance groupsSource reviewLast reviewed

Lincoln Financial is a listed U.S. life, annuity, group protection, and retirement group, headquartered in the United States. Lincoln Financial is the marketing name for Lincoln National Corporation, whose businesses span annuities, life, group protection, and retirement plans, with extensive reinsurance and capital disclosures.

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Business And Entity Overview

Lincoln's FY2025 release, annual report, statutory and ratings information, and SEC record create a strong map across parent, segments, and named operating insurers. Group, parent-company, segment, and legal-entity figures below apply only to the perimeter stated in each disclosure; they do not automatically apply to every licensed insurer, branch, brand, or subsidiary.

Financial And Reporting Context

  • Fourth Quarter and Full-Year 2025 Results / full-year results (FY2025 and Q4 2025). FY2025 net income was USD 1.177 billion, common-stockholder net income USD 1.086 billion, adjusted operating income USD 1.628 billion, year-end account balances USD 349 billion, and estimated RBC above 420%. Scope: Lincoln National Corporation consolidated and four business segments. Adjusted operating income is non-GAAP and RBC belongs to the insurance-company capital context described in the release.
  • 2025 Annual Report / annual report (FY2025). The report provides audited statements, segment data, reinsurance, investments, risks, capital, and legal-entity context. Scope: Lincoln National Corporation consolidated.
  • Ratings and Statutory Information / ratings and regulatory reporting (Ratings current as of 2026-05-19). The page separates financial-strength ratings for named insurers from parent debt ratings and records agency, grade, outlook, and update date. Scope: Named Lincoln operating insurers and Lincoln National Corporation debt. Ratings are entity-specific opinions and not investment or product recommendations.
  • Lincoln National Filing Record / regulatory filing (2025 Form 10-K filed 2026). The SEC filing identifies the legal parent and filing period. Scope: Lincoln National Corporation registrant.

Entity Boundary

Lincoln National Corporation is the listed legal parent; Lincoln Financial is its marketing name. The Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York, First-Penn Pacific, and other affiliates retain separate legal, rated, and statutory scopes. Lincoln Financial is a marketing name, not a separate legal parent. Parent results and operating-insurer RBC or ratings information apply to different entities.

Lines And Geographic Context

Lincoln Financial is linked to Life and Health. United States is its home jurisdiction; activities elsewhere are reported through the relevant segment or legal entity.