{"id":4902,"date":"2021-04-29T11:02:12","date_gmt":"2021-04-29T16:02:12","guid":{"rendered":"https:\/\/lions.financial\/?p=4902"},"modified":"2022-12-14T19:06:57","modified_gmt":"2022-12-15T00:06:57","slug":"lincoln-financial","status":"publish","type":"post","link":"https:\/\/lions.financial\/hi\/lincoln-financial\/","title":{"rendered":"Lincoln Financial"},"content":{"rendered":"<p><strong>Overview<\/strong><\/p>\n<p>Lincoln Financial Group is the marketing name for Lincoln National Corporation and its subsidiary companies, which is a Fortune 250 American holding company operating business in multiple insurance and investment management. Lincoln National Life Insurance Company was founded in 1905 and formed Lincoln National Corporation in 1968. Lincoln Financial Group was introduced in 1998 by Lincoln National Corporation for its recognition as a financial service company. Lincoln Financial Group provides advice and solutions to business areas like life insurance, annuities, retirement plan services and group protection to support, preserve and enhance people\u2019s lifestyles and retirement outcomes. It is headquartered in Radnor, PA. It was listed on The New York Stock Exchange as \u201cLNC\u201d.<\/p>\n<p><strong>Size &amp; Operation<\/strong><\/p>\n<p><strong><em>Q: What is the size and operation situation of Lincoln Financial Group?<\/em><\/strong><\/p>\n<p>Lincoln National Corporation was ranked #188 on the 2020 Fortune 500 list by revenue, #22 by assets. Lincoln Financial Group provides retirement, insurance and wealth protection products to more than 17 million customers. It has a number of employees of 9,047 in 2017.<\/p>\n<p>On December 31, 2020, Lincoln reported end-of-period account values of $303 billion, total statutory capital of approximately $10.3 billion and cash and invested cash of $754 million at the holding company (Lincoln Financial Group, 2021). Key metrics for the fourth quarter of 2020 include:<\/p>\n<ul>\n<li>Total average account balances of $291 billion<\/li>\n<li>Adjusted operating revenues of $4.7 billion<\/li>\n<li>Net income of $143 million<\/li>\n<li>Adjusted income from operations of $346 million<\/li>\n<li>$50 million in share repurchases during the quarter<\/li>\n<\/ul>\n<p>Annuity growth from operations and retirement Plan Services with the increase primarily driven by favorable returns within the company\u2019s alternative investment portfolio and higher account values from strong equity market performance.<\/p>\n<p>Life Insurance reported income from operations with favorable returns within the company\u2019s alternative investment portfolio and expense management were more than offset by unfavorable mortality related to the pandemic. Group Protection reported a loss from operations.<\/p>\n<p><strong>Products &amp; Services<\/strong><\/p>\n<p><strong>Life Insurance Product<\/strong><\/p>\n<p><strong><em>Q: What life insurance does Lincoln Financial Group offer?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group offers term life insurance, permanent life insurance and lifetime protection VUL for individuals as follows for better protection.<\/p>\n<p><strong>Term Life Insurance<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/termlife\/lincolntermaccellevelterm\"><strong>Lincoln TermAccel\u00ae\u00a0Level Term <\/strong><\/a><\/li>\n<\/ul>\n<p>If you\u2019re in good health and looking to get coverage for 10, 15, 20, or 30 years fast,\u00a0TermAccel\u00ae\u00a0is your solution. The process is fully automated and offers affordable coverage quickly.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/termlife\/lincolnnlifeelementslevelterm\"><strong>Lincoln LifeElements\u00ae\u00a0Level Term <\/strong><\/a><\/li>\n<\/ul>\n<p>If you\u2019re looking for a little more coverage for 10, 15, 20 or 30 years for your family, your business or both,\u00a0Lincoln LifeElements\u00ae\u00a0Level Term is your solution. It offers coverage amounts of $1 million and above with dedicated teams that specialize in large cases.<\/p>\n<p><strong>Permanent Life Insurance (Universal, Indexed Universal and Variable Universal)<\/strong><\/p>\n<p><strong>Universal life insurance products<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/universallife\/lincolnlifeguaranteeul2019\"><strong>Lincoln\u00a0LifeGuarantee\u00ae\u00a0UL\u00a0(2019)<\/strong><\/a><strong>\u00a0(not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/universallife\/lincolnlifeguaranteesul2019\"><strong>Lincoln\u00a0LifeGuarantee\u00ae\u00a0SUL\u00a0(2019)<\/strong><\/a><strong>\u00a0(not available in New York)<\/strong><\/li>\n<\/ul>\n<p><strong>Indexed Universal Life Insurance<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/indexeduniversallife\/lincolnwealthaccumulateiul2020\"><strong>Lincoln WealthAccumulate\u00ae\u00a02 IUL(2020)<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln WealthAccumulate\u00ae\u00a02 IUL (2020) is a life insurance policy that can give you flexibility for growth, access to cash value, and financial protection. It offers all the options you need to help meet a wide range of future possibilities: protection for your family or your business, choices for growth opportunities, and ways to access your cash value when you want it. This permanent coverage combines a death benefit to protect what matters most in your life today, as well as growth potential through five indexed accounts2:<\/p>\n<p>Fidelity AIM\u00ae\u00a0Dividend Indexed Account<\/p>\n<p>S&amp;P 500\u00ae\u00a0Multiplier Indexed Account<\/p>\n<p>S&amp;P 500\u00ae\u00a0Fixed Bonus Indexed Account<\/p>\n<p>S&amp;P 500\u00ae\u00a0Traditional Indexed Account<\/p>\n<p>S&amp;P 500\u00ae\u00a0Performance Trigger Indexed Account<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/indexeduniversallife\/lincolnwealthpreserveiul2020\"><strong>Lincoln WealthPreserve\u00a0\u00ae\u00a02 IUL (2020)<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln WealthPreserve\u00ae\u00a02 IUL offers a long-term death benefit guaranteed that lasts for up to 40 years or to age 90 (whichever comes first).1\u00a0It gives you the assurance of long-term guaranteed financial protection with built-in guarantees and flexibility to help you meet your changing needs.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/universallife\/lincolnwealthadvantageindexedul\"><strong>Lincoln WealthAdvantage\u00ae\u00a0IUL NY<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln WealthAdvantage\u00ae\u00a0Indexed UL can help your clients plan for the future they want. It\u2019s designed for clients with a conservative market outlook who want to balance guaranteed features and growth potential.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/indexeduniversallife\/lincolnwealthpreserveiul2017NY\"><strong>Lincoln WealthPreserve\u00ae\u00a0IUL (2017) NY<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln WealthPreserve\u00ae\u00a0IUL offers a long-term death benefit guaranteed that lasts for up to 40 years or to age 90 (whichever comes first).1\u00a0It gives you the assurance of long-term guaranteed financial protection with built-in guarantees and flexibility to help you meet your changing needs.<\/p>\n<p><strong>Variable Life Insurance<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnvulone2021\"><strong>Lincoln VULONE\u00a0(2021)<\/strong><\/a><strong>* (not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnvulone2019\"><strong>Lincoln VULONE\u00a0(2019)<\/strong><\/a><strong>* (not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnassetedgevul2020\"><strong>Lincoln AssetEdge\u00ae\u00a0VUL (2020)<\/strong><\/a><strong>\u00a0(not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnassetedgeexecvul2020\"><strong>Lincoln AssetEdge\u00ae\u00a0Exec VUL (2020)<\/strong><\/a><strong>\u00a0(not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnsvulone2021\"><strong>Lincoln SVULONE\u00a0(2021)<\/strong><\/a><strong>* (not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnsvulone2019\"><strong>Lincoln SVULONE\u00a0(2019)<\/strong><\/a><strong>* (not available in New York)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lincolnassetedgevul2015ny\"><strong>Lincoln AssetEdge\u00ae\u00a0VUL (2015) NY<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/lifeinsurance\/variableuniversallife\/lvipprospectusreports\"><strong>LVIP \u2014 Prospectus\/Reports<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Trust%20Holdings.pdf\"><strong>LVIP Trust Holdings<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Fund%20of%20Funds%20Holdings.pdf\"><strong>LVIP Fund of Funds Holdings<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP.pdf\"><strong>LVIP Government Money Market Fund Daily NAV, Net Flows, and Liquidity\u00a0<\/strong><\/a><strong>(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Government%20Money%20Market%20Fund%20Holdings%20September%202020.pdf\"><strong>LVIP Government Money Market Fund Holdings \u2013 September<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Government%20Money%20Market%20Fund%20Holding%20-%20October.pdf\"><strong>LVIP Government Money Market Fund Holdings \u2013 October<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Government%20Money%20Market%20Fund%20Holdings%20-%20November%202020.pdf\"><strong>LVIP Government Money Market Fund Holdings \u2013 November<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Government%20Money%20Market%20Fund%20Holdings%20-%20December%202020.pdf\"><strong>LVIP Government Money Market Fund Holdings \u2013 December<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Government%20Money%20Market%20Fund%20Holdings%20-%20January%202021.pdf\"><strong>LVIP Government Money Market Fund Holdings \u2013 January<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<li><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/LVIP%20Government%20Money%20Market%20Fund%20Holdings%20-%20February%202021.pdf\"><strong>LVIP Government Money Market Fund Holdings \u2013 February<\/strong><\/a><strong>\u00a0(PDF)<\/strong><\/li>\n<\/ul>\n<p><strong>Lifetime Protection VUL <\/strong><\/p>\n<ul>\n<li><strong>Lincoln VULONE\u00a0 <\/strong><\/li>\n<\/ul>\n<p>Lincoln VULONE\u00a0offers guaranteed lifetime protection with cash value growth opportunities designed to help you live the life you want today and through retirement.<\/p>\n<p><strong>Retirement Products<\/strong><\/p>\n<p><strong><em>Q: What retirement products does Lincoln Financial Group offer?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group offers Plan Sponsor Experience, Participant Engagement, Product Services and Guaranteed Retirement Income as below.<\/p>\n<p><strong>Plan Sponsor Experience<\/strong><\/p>\n<p><strong>Participant Engagement<\/strong><\/p>\n<ul>\n<li><strong>Lincoln InStep\u00ae\u00a0Participant Retirement Program <\/strong><\/li>\n<\/ul>\n<p>The\u00a0Lincoln InStep\u00ae\u00a0Participant Retirement Program delivers simple, clear communications tailored to your employees&#8217; needs and life stages. Outcomes-focused education encourages participants to understand the plan and take action at key points in their lives.<\/p>\n<p><strong>Investments<\/strong><\/p>\n<ul>\n<li><strong>All-in-one Portfolio<\/strong><\/li>\n<\/ul>\n<p>If you want one diversified portfolio that&#8217;s managed for you, consider making an all-in-one choice. Target-date portfolios invest according to the year you expect to retire \u2014 your target date. Target-risk portfolios base their investment mixes on your sensitivity to the ups and downs of the market.<\/p>\n<ul>\n<li><strong>Hands-on Investor<\/strong><\/li>\n<\/ul>\n<p>If you\u2019re interested in investments and want to build your own portfolio, consider selecting your own investments from your plan\u2019s lineup. Options will vary in terms of risk and earnings potential.<\/p>\n<ul>\n<li><strong>Hands-off Investor<\/strong><\/li>\n<\/ul>\n<p>If you\u2019d prefer to let someone else manage your investments entirely, consider using a managed account service that puts your portfolio in the hands of a professional. This option may require you to pay a fee for using a professional account management service.<\/p>\n<p>Product examples:<\/p>\n<p><strong>Lincoln Retirement Power\u00ae, Lincoln Alliance\u00ae, Lincoln WellnessPATH\u00ae<\/strong><\/p>\n<p><strong>Product Administration Services<\/strong><\/p>\n<p><strong>YourPath\u00ae\u00a0prepackaged solutions<\/strong><\/p>\n<ul>\n<li><strong>YourPath\u00ae\u00a0CIT portfolios<\/strong><\/li>\n<\/ul>\n<p>Choose an active, passive, or hybrid approach for these target-date + risk portfolios consisting of collective investment trusts (CITs) from leading investment managers, with access to 3(38) fiduciary support from Morningstar.<\/p>\n<ul>\n<li><strong>YourPath\u00ae\u00a0Multi-Manager portfolios\u00a0<\/strong><\/li>\n<\/ul>\n<p>These portfolios consist of Lincoln Variable Insurance Products Trust (LVIPs) funds, which are sub-advised investments where Lincoln Investment Advisors Corp. (LIAC) serves as the Investment Advisor, providing fiduciary oversight on manager selection. The\u00a0YourPath\u00ae\u00a0Multi-Manager lineup features a blend of active and passive LVIP funds selected from 19 high- quality fund managers.<\/p>\n<ul>\n<li><strong>YourPath\u00ae\u00a0investment manager portfolios\u00a0<\/strong><\/li>\n<\/ul>\n<p>Choose an active, passive, or hybrid approach for these target-date + risk portfolios consisting of funds from leading investment managers, including American Century, American Funds, State Street, and BlackRock, with access to 3(38) fiduciary support from Morningstar.<\/p>\n<p><strong>YourPath\u00ae\u00a0custom solutions<\/strong><\/p>\n<ul>\n<li><strong>YourPath\u00ae\u00a0custom portfolios with Morningstar<\/strong><\/li>\n<\/ul>\n<p>Customize these target-date + risk portfolios from your existing lineup (or funds outside the core lineup), with access to 3(38) fiduciary support from Morningstar.<\/p>\n<ul>\n<li><strong>YourPath\u00ae\u00a0custom portfolios with independent RIA<\/strong><\/li>\n<\/ul>\n<p>Customize these target-date + risk portfolios from your existing lineup (or funds outside the core lineup), with access to 3(38) fiduciary support from a registered investment adviser (RIA).<\/p>\n<p><strong>Guaranteed Retirement Income<\/strong><\/p>\n<ul>\n<li><strong>Lincoln PathBuilderSM\u00a0Income\u00a0 <\/strong><\/li>\n<\/ul>\n<p>Lincoln PathBuilderSM\u00a0Income\u00a0offers guaranteed lifetime income with protection from market declines and participation in rising markets &#8211; all at a reasonable cost. With access to fiduciary support, you can be confident in your choice of this lifetime income option.<\/p>\n<p><strong><em>Q: What annuities does Lincoln Financial Group offer?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group offers fixed annuities, fixed index annuities and variable annuities as follows for protected growth of future income.<\/p>\n<p><strong>Fixed Annuities<\/strong><\/p>\n<p><strong>Traditional fixed annuities<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedannuities\/lincolnmyguaranteeplusfixedannuity\"><strong>Lincoln MYGuaranteeSM\u00a0Plus fixed annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln MYGuaranteeSM\u00a0Plus fixed annuity is a single premium annuity that offers several features to help meet accumulation and income needs.<\/p>\n<p><strong>Deferred and immediate annuities<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedannuities\/lincolninsuredincomeimmediateannuityspia\"><strong>Lincoln Insured IncomeSM\u00a0Immediate Annuity (SPIA)<\/strong><\/a><\/li>\n<\/ul>\n<p>This single premium immediate fixed annuity can help address the challenges of creating an adequate source of income for retirement.\u00a0Lincoln Insured IncomeSM\u00a0Immediate Annuity provides regular, guaranteed income investors can count on.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedannuities\/lincolndeferredincomesolutionsannuity\"><strong>Lincoln Deferred Income SolutionsSM\u00a0Annuity (DIA)<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln Deferred Income SolutionsSM\u00a0Annuity allows clients to determine when and how they&#8217;re going to receive income. Investors\u00a0can choose their income start date, payout option and payment frequency.<\/p>\n<p><strong>Fixed Indexed Annuities <\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedindexedannuities\/lincolnnewdirectionsfixedindexannuity\"><strong>Lincoln New Directions\u00ae\u00a0Fixed Indexed Annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln New Directions\u00ae\u00a0fixed indexed annuity is a single premium deferred annuity that offers several features to help meet accumulation and income needs.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedindexedannuities\/lincolnoptiblendfixedindexedannuity\"><strong>Lincoln OptiBlend\u00a0\u00ae\u00a0Fixed Indexed Annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>The\u00a0Lincoln OptiBlend\u00ae\u00a0fixed indexed annuity offers flexible premium annuities that can provide several features to help meet accumulation and income needs.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedindexedannuities\/coveredchoicefixedindexannuity\"><strong>Lincoln Covered Choice\u00a0\u00ae\u00a05 Fixed Indexed Annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln Covered Choice\u00ae\u00a05 fixed indexed annuity is a single premium deferred annuity that offers several features to help meet accumulation and income needs.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedindexedannuities\/coveredchoice5IIfixedindexannuity\"><strong>Lincoln Covered Choice\u00a0\u00ae\u00a05 II Fixed Indexed Annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln Covered Choice\u00ae\u00a05 II fixed indexed annuity is a flexible premium deferred annuity that offers several features to help meet accumulation and income needs.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedindexedannuities\/lincolnflexadvantagefixedindexedannuity\"><strong>Lincoln FlexAdvantage\u00a0\u00ae\u00a0Fixed Indexed Annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>The\u00a0Lincoln FlexAdvantage\u00ae\u00a0flexible premium fixed indexed annuity suite offers several features to help meet accumulation and income needs.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/fixedannuities\/newyorkfixedandfixedindexedannuityproducts\"><strong>Lincoln OptiChoice\u00a0SM\u00a0NY Fixed Indexed Annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>Lincoln MYGuaranteeSM\u00a0Plus fixed annuity is a single premium annuity that offers several features to help meet accumulation and income needs.<\/p>\n<p><strong>Variable Annuities<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/variableannuities\/americanlegacy\"><strong>American Legacy\u00ae<\/strong><\/a><\/li>\n<\/ul>\n<p>Prepare for retirement and help meet investors income needs with an American Legacy\u00ae\u00a0variable annuity, an investment vehicle designed for long-term savings.<\/p>\n<p>This type of variable annuity offers several features and options to help investors\u00a0build the retirement plan that works best for them.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/variableannuities\/targetdateincome\"><strong>American Legacy\u00ae\u00a0Target Date Income variable annuity<\/strong><\/a><\/li>\n<\/ul>\n<p>Simplify your retirement income with a powerful combination of target date investing and protected lifetime payments.<\/p>\n<p>With American Legacy\u00ae\u00a0Target Date Income variable annuity, you can access the experience of two highly regarded companies: Lincoln Financial Group and Capital Group, home of American Funds.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/variableannuities\/investoradvantage\"><strong>Lincoln Investor Advantage\u00a0\u00ae<\/strong><\/a><\/li>\n<\/ul>\n<p>Create a portfolio built around what matters most to you.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/variableannuities\/leveladvantage\"><strong>Lincoln Level Advantage\u00a0\u00ae\u00a0indexed variable annuity<\/strong><\/a>.<\/li>\n<\/ul>\n<p>With\u00a0Lincoln Level Advantages you stay invested for growth while reducing risk with levels of protection that help guard against market downturns. When it comes to preparing for market ups and downs, it\u2019s about finding the balance that\u2019s right for you.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individual\/exploreinsuranceannuities\/annuities\/variableannuities\/choiceplusadvantage\"><strong>Lincoln ChoicePlus\u00a0SM<\/strong><\/a><\/li>\n<\/ul>\n<p>Saving and investing for retirement takes advance planning and the flexibility to adapt as investors needs and circumstances change over time.<\/p>\n<p>Lincoln ChoicePlusSM\u00a0variable annuities are long-term investment vehicles specifically designed for retirement savings.<\/p>\n<p><strong>Business Retirement Products<\/strong><\/p>\n<p><strong><em>Q: What is the support for business retirement products that Lincoln Financial Group offers?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group offer retirement services for high level of personal design and considering the following aspects:<\/p>\n<ul>\n<li><strong>Technology<\/strong><\/li>\n<\/ul>\n<p>Customized, secure plan sponsor website that shows you essential plan information at a glance<\/p>\n<p>Personalized participant website that encourages active participation and increased savings<\/p>\n<p>Plan Health Dashboard that provides real-time data and insight on your plan\u2019s performance<\/p>\n<ul>\n<li><strong>Support<\/strong><\/li>\n<\/ul>\n<p>Dedicated, responsive account management team that provides the assistance and information you need, when you need it<\/p>\n<p>Personalized retirement plan service and guidance to encourage employee participation<\/p>\n<ul>\n<li><strong>Transparency<\/strong><\/li>\n<\/ul>\n<p>Access to a fiduciary services to help you with your legal obligations to participants<\/p>\n<p>Annual plan reviews to help your plan stay on track to meet its goals<\/p>\n<p>Professionally managed accounts that help protect participants\u2019 retirement savings through changing markets<\/p>\n<ul>\n<li><strong>Expertise<\/strong><\/li>\n<\/ul>\n<p>Predesigned or customized fund lineups, suited to your workforce demographics<\/p>\n<p>Access to a range of target-date fund options, any of which may be used as a plan\u2019s Qualified Default Investment Alternative (QDIA)<\/p>\n<p>Access to a suite of quality investment options from leading fund families.<\/p>\n<p><strong>Institutional Products<\/strong><\/p>\n<p><strong><em>Q: What institutional products do Lincoln Financial Group offer?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group offers annuities, life insurance and long-term care funding for institutions. Details of annuities and individual life insurance are talked about in previous life insurance and retirement sections.<\/p>\n<p><a href=\"https:\/\/www.lfg.com\/public\/industryprofessional\/insuranceannuities\/productsandsolutions\/individuallifeinsurance\"><strong>Individual life insurance<\/strong><\/a><strong>\u00a0<\/strong><\/p>\n<p><strong><img fetchpriority=\"high\" decoding=\"async\" width=\"1726\" height=\"608\" class=\"wp-image-4903\" src=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-1.png\" alt=\"Table Description automatically generated\" srcset=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-1.png 1726w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-1-300x106.png 300w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-1-1024x361.png 1024w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-1-768x271.png 768w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-1-1536x541.png 1536w\" sizes=\"(max-width: 1726px) 100vw, 1726px\" \/><\/strong><\/p>\n<p>(sources:<a href=\"https:\/\/www.lfg.com\/public\/individual\">https:\/\/www.lfg.com\/public\/individual<\/a>)<\/p>\n<p><strong>Additional benefits<\/strong><\/p>\n<p><strong>Unexpected health costs or disability<\/strong><\/p>\n<ul>\n<li><strong>Accelerated Benefits Rider1<\/strong>\u00a0\u2014 pays a portion of the death benefit if you become terminally ill, require permanent nursing home care, or need help during a critical illness or condition. Benefits are subject to state approval.<\/li>\n<li><strong>Accelerated Benefits Rider (with Critical Illness)<\/strong>\u00a0\u2014 pays a portion of the death benefit if you become critically or terminally ill or are confined to a nursing home. Benefits are subject to state approval.<\/li>\n<li><strong>Lincoln Care Coverage\u00ae\u00a0Accelerated Benefits Rider<\/strong>\u00a0\u2014 pays out all or a portion of the death benefit by providing income tax-free reimbursement of qualified long-term care expenses incurred for covered services should you develop a temporary or permanent chronic illness, subject to meeting eligibility requirements.<\/li>\n<li><strong>Lincoln LifeAssure\u00ae\u00a0Accelerated Benefits Rider<\/strong>\u00a0\u00a0\u2014 pays out all or a portion of the death benefit to give you a source of tax-advantaged funds to use for any purpose if you develop a permanent chronic illness. Benefit payments will be reduced when the rider is exercised. There is a per claim administrative fee charged.<\/li>\n<li><strong>Lincoln LifeEnhance\u00ae\u00a0Accelerated Benefits Rider<\/strong>\u00a0\u2014 pays out all or a portion of the death benefit to give you a source of tax-advantaged funds to use for any purpose if you develop a permanent chronic or terminal illness. You\u2019ll also have protection from policy lapse once benefit payments begin.<\/li>\n<li><strong>Disability Waiver of Specified Premium Benefit Rider\u00a0<\/strong>\u2014 covers you for a specified monthly premium if the covered insured becomes totally disabled.<\/li>\n<li><strong>Disability Waiver of Monthly Deduction Benefit Rider<\/strong>\u00a0\u00a0\u2014 waives the monthly deductions if you become totally disabled subject to certain requirements.<\/li>\n<li><strong>Waiver of Monthly Deduction Rider<\/strong>\u00a0\u2014 waives the monthly deduction and other charges if you become totally disabled. Subject to certain requirements.<\/li>\n<li><strong>Waiver of Premium Rider\u00a0<\/strong>\u2014 waives premium payments during a period of total disability. Available on term products only.<\/li>\n<\/ul>\n<p><strong>Additional term protection<\/strong><\/p>\n<ul>\n<li><strong>Supplemental Term Insurance Rider on Primary Insured<\/strong>\u00a0\u2014 gives you the flexibility to add additional, convertible level term insurance on the person insured under the base policy. Guaranteed Issue not available with this rider.<\/li>\n<li><strong>Supplemental Term Insurance Rider on Other Insured<\/strong>\u00a0\u2014 gives you the flexibility to add additional, convertible level term insurance for a loved one or business partner. Guaranteed Issue not available with this rider.<\/li>\n<li><strong>Children\u2019s Term Insurance Rider\u00a0<\/strong>\u2014 gives you the ability to insure your child under your policy.<\/li>\n<\/ul>\n<p><strong>Solutions for your business<\/strong><\/p>\n<ul>\n<li><strong>Change of Insured Rider<\/strong>\u00a0\u2014 allows the owner to transfer the basic policy on the life of the original insured for a policy on the life of someone else, pending underwriting. It is available for use in defined benefit plans in businesses with high turnover among non-vested employees and other business applications.<\/li>\n<li><strong>Enhanced Surrender Value Rider<\/strong>\u00a0\u2014 provides a separate enhanced surrender value for the first five policy years and helps offset potential liabilities that could negatively affect your balance sheet.<\/li>\n<li><strong>Exec Enhanced Surrender Value Rider<\/strong>\u00a0\u2014 provides a separate enhanced surrender value, which waives all surrender charges and optionally replaces a portion of the administrative charges.<\/li>\n<li><strong>Lincoln Enhanced Value Rider<\/strong>\u00a0\u2014 provides choice of return of premium benefit options subject to policy funding requirement.<\/li>\n<li><strong>Surrender Value Enhancement Endorsement\u00a0<\/strong>\u2014 waives surrender charges.<\/li>\n<\/ul>\n<p><strong>Asset control<\/strong><\/p>\n<ul>\n<li><strong>Return of Premium Rider<\/strong>\u00a0\u2014 gives you the option to have up to 100% premiums returned during certain policy year(s). Additional charges may apply.<\/li>\n<\/ul>\n<p><strong>Additional early coverage<\/strong><\/p>\n<ul>\n<li><strong>Estate Protection Rider<\/strong>\u00a0\u2014 provides an additional term insurance benefit on your survivorship policy during the first four years of your policy.<\/li>\n<\/ul>\n<p><strong>Policy lapse<\/strong><\/p>\n<ul>\n<li><strong>Extended No-Lapse Minimum Premium Rider\u00a0<\/strong>\u2014 extends the no-lapse premium included with the policy as long as the minimum premium requirement is met.<\/li>\n<li><strong>Overloan Protection Rider\u00a0<\/strong>\u2014 provides the security of knowing that highly funded, heavily loaned policies will be protected from lapsing in certain situations and ensures the net death benefit will be no less than $10,000.<\/li>\n<\/ul>\n<ol>\n<li><a href=\"https:\/\/www.lfg.com\/public\/industryprofessional\/insuranceannuities\/productsandsolutions\/longtermcare\"><strong>Long-term\u00a0care\u00a0funding\u00a0<\/strong><\/a><\/li>\n<\/ol>\n<p><strong>Group Benefits Products<\/strong><\/p>\n<p><strong><em>Q: What group benefits services do Lincoln Financial Group offer?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group provides the following services to clients:<\/p>\n<ul>\n<li>Accident<\/li>\n<li>Critical Illness<\/li>\n<li>Dental<\/li>\n<li>Vision<\/li>\n<li>Term Life and AD&amp;D<\/li>\n<li>Short-term Disability<\/li>\n<li>Long-term Disability<\/li>\n<li>Absence Management<\/li>\n<li>Paid Family Leave<\/li>\n<\/ul>\n<p><strong>Ratings &amp; Reviews<\/strong><\/p>\n<p><strong>Ratings<\/strong><\/p>\n<p><strong><em>Q: What are the ratings for Lincoln Financial Group?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group received good ratings for financial strength from A.M. Best, Standard &amp; Poor\u2019s, Moody\u2019s and Fitch as below.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" width=\"1374\" height=\"310\" class=\"wp-image-4904\" src=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-2.png\" alt=\"Table Description automatically generated\" srcset=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-2.png 1374w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-2-300x68.png 300w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-2-1024x231.png 1024w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-2-768x173.png 768w\" sizes=\"(max-width: 1374px) 100vw, 1374px\" \/><\/p>\n<p>(sources:https:\/\/www.lfg.com\/public\/aboutus\/investorrelations\/financialinformation\/ratings)<\/p>\n<p><strong>Reviews<\/strong><\/p>\n<p><strong><em>Q: What are the reviews &amp; rankings for Lincoln Financial Group?<\/em><\/strong><\/p>\n<p>Lincoln Financial Group Life Insurance was rated 4 stars out of 5 by NerdWallet (Nerdwallet, 2021).<\/p>\n<p>It was commented that Lincoln Financial offers quick application by phone on term life policies with fewer complaints to state regulators than expected for a company of its size.<\/p>\n<p>Rankings for Lincoln Financial Group are illustrated as below.<\/p>\n<p><strong><img decoding=\"async\" width=\"890\" height=\"526\" class=\"wp-image-4905\" src=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-3.png\" alt=\"Table Description automatically generated\" srcset=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-3.png 890w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-3-300x177.png 300w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/table-description-automatically-generated-3-768x454.png 768w\" sizes=\"(max-width: 890px) 100vw, 890px\" \/><img loading=\"lazy\" decoding=\"async\" width=\"866\" height=\"590\" class=\"wp-image-4906\" src=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/text-description-automatically-generated-with-low.png\" alt=\"Text Description automatically generated with low confidence\" srcset=\"https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/text-description-automatically-generated-with-low.png 866w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/text-description-automatically-generated-with-low-300x204.png 300w, https:\/\/lions.financial\/wp-content\/uploads\/2021\/04\/text-description-automatically-generated-with-low-768x523.png 768w\" sizes=\"(max-width: 866px) 100vw, 866px\" \/><\/strong><\/p>\n<p>(sources: https:\/\/www.lfg.com\/public\/aboutus\/companyoverview\/financialstrength?audience_page_id=1422918942386)<\/p>\n<p><strong>Conclusion<\/strong><\/p>\n<p>When assessing the needs for your risk management and insurance needs for your business Lions Financial works with highly rated insurance companies to make sure your financial assets are secure. As an independent company Lions Financial works with products and services from companies like Lincoln Financial. We focus on industries such as automotive, trucking, commercial real estate, hospitality, retail &amp; e-tail, financial services, bio-pharmaceuticals, healthcare, marketing, advertising, engineering, and renewable energy companies.<\/p>\n<p>To find out more about how we can help you contact us <a href=\"https:\/\/lions.financial\/hi\/contact\/\">https:\/\/lions.financial\/contact\/<\/a><\/p>\n<p>If you would like to learn more about additional risk management services visit:<\/p>\n<p><a href=\"https:\/\/lions.financial\/hi\/services-risk-management\/\">https:\/\/lions.financial\/services-risk-management\/<\/a> <a href=\"https:\/\/lions.financial\/hi\/services\/business-advisory-employee-benefits\/\">https:\/\/lions.financial\/services\/business-advisory-employee-benefits\/<\/a><\/p>\n<p><a href=\"https:\/\/lions.financial\/hi\/services\/business-advisory-executive-compensation-tax-strategies\/\">https:\/\/lions.financial\/services\/business-advisory-executive-compensation-tax-strategies\/<\/a><\/p>\n<p>As a financial services firm Lions Financial focuses on helping businesses address their risk management considerations through consulting and implementation of insurance products. We have put together an overview of Lincoln Financial, the life insurance company, to provide clarity on the solutions they offer and identify how they meet the needs and expectations facing businesses today. We will provide an overview of Company, Size &amp; Operation Products &amp; Services, Life Insurance Product Business Insurance Product Retirement Product,Annuities, Retirement Business Products, Institutional Products, Group Benefits Ratings &amp; Reviews: Ratings, and Reviews.<\/p>\n<p>The sources we use for this information include:<\/p>\n<p>Lincoln Financial: <a href=\"https:\/\/www.lfg.com\/public\/individual\">https:\/\/www.lfg.com\/public\/individual<\/a><\/p>\n<p><a href=\"https:\/\/www.lfg.com\/public\/aboutus\/companyoverview\/financialstrength?audience_page_id=1422918942386\">https:\/\/www.lfg.com\/public\/aboutus\/companyoverview\/financialstrength?audience_page_id=1422918942386<\/a><\/p>\n<p><a href=\"https:\/\/www.lfg.com\/wcs-static\/pdf\/4Q2020PressReleasePdf.pdf\">https:\/\/www.lfg.com\/wcs-static\/pdf\/4Q2020PressReleasePdf.pdf<\/a><\/p>\n<p><a href=\"https:\/\/www.lfg.com\/public\/aboutus\/investorrelations\/financialinformation\/ratings\">https:\/\/www.lfg.com\/public\/aboutus\/investorrelations\/financialinformation\/ratings<\/a><\/p>\n<p><a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/reviews\/lincoln-financial-life-insurance\/\">https:\/\/www.nerdwallet.com\/blog\/insurance\/reviews\/lincoln-financial-life-insurance\/<\/a><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Overview Lincoln Financial Group is the marketing name for Lincoln National Corporation and its subsidiary companies, which is a Fortune 250 American holding company operating [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[101],"tags":[],"ppma_author":[386],"class_list":["post-4902","post","type-post","status-publish","format-standard","hentry","category-corporate-finance","author-research-team"],"acf":[],"authors":[{"term_id":386,"user_id":0,"is_guest":1,"slug":"research-team","display_name":"Research Team","avatar_url":{"url":"https:\/\/lions.financial\/wp-content\/uploads\/2018\/12\/cropped-LIons-Assurance-Financial-Logo-Favicon.png","url2x":"https:\/\/lions.financial\/wp-content\/uploads\/2018\/12\/cropped-LIons-Assurance-Financial-Logo-Favicon.png"},"author_category":"","user_url":"","last_name":"","first_name":"","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/posts\/4902","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/comments?post=4902"}],"version-history":[{"count":2,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/posts\/4902\/revisions"}],"predecessor-version":[{"id":8065,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/posts\/4902\/revisions\/8065"}],"wp:attachment":[{"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/media?parent=4902"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/categories?post=4902"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/tags?post=4902"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/lions.financial\/hi\/wp-json\/wp\/v2\/ppma_author?post=4902"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}