Lincoln Financial: Company Overview, Mission, and Strength

Welcome to Lincoln Financial, a distinguished leader in the financial services industry with a time-honored tradition of helping individuals, families, and businesses achieve greater financial security and peace of mind. With over a century of experience, Lincoln Financial stands as a symbol of strength, reliability, and innovation, offering clients strategic guidance and comprehensive solutions for every stage of life.

Our History Lincoln Financial was founded in 1905, inspired by the ideals of honesty, integrity, and responsibility championed by President Abraham Lincoln. Since its inception, the company has grown from a regional life insurance provider to a nationally recognized financial powerhouse, serving millions of clients across the United States. Our history is one of resilience, prudent management, and an unwavering commitment to our founding values.

Our Mission At Lincoln Financial, our mission is to empower clients to take charge of their financial futures. We are dedicated to delivering innovative, flexible solutions that help clients protect their loved ones, build wealth, and achieve lifelong goals. Our client-first philosophy ensures that your interests and needs always come first, and our team is committed to providing clarity, confidence, and support throughout your financial journey.

Our Services Lincoln Financial offers a comprehensive suite of products and services to address a wide range of needs:

• Life Insurance: Flexible term and permanent life insurance solutions designed to provide security and peace of mind.

• Annuities: Innovative products offering stable and reliable income for retirement.

• Retirement Planning: Employer-sponsored plans, IRAs, and personal retirement strategies to help clients prepare for the future.

• Wealth Management: Expert portfolio management, financial planning, and investment solutions tailored to individual goals.

• Group Benefits: Comprehensive benefits packages for businesses, supporting the well-being of employees and their families.

Financial Strength and Industry Ratings Lincoln Financial’s enduring strength is reflected in its consistently high ratings from major independent rating agencies. The company is recognized for its solid capital position, prudent risk management, and long-term stability:

• A+ (Superior) by A.M. Best

• AA- (Very Strong) by Standard & Poor’s

• A1 (Good) by Moody’s

• A+ (Strong) by Fitch Ratings

These ratings underscore Lincoln Financial’s ability to meet its financial obligations and provide security for clients, even in changing markets.

Commitment to Clients Clients are at the heart of everything we do. Lincoln Financial is committed to delivering exceptional service, transparent communication, and ongoing support. Our experienced professionals leverage industry insights and advanced technology to create innovative, accessible solutions. We take pride in building lasting relationships founded on trust, respect, and shared success.

Experience the Lincoln Financial difference—a blend of history, mission-driven service, financial strength, and a steadfast commitment to helping you achieve your goals and secure a brighter future.

Lincoln Financial Group is licensed to sell life insurance in all U.S. states and the District of Columbia except New York for most of their life insurance products.

Details:

• All Lincoln National Life Insurance Company (LNL) policies:

  • Available in: All states and DC except New York.

• New York:

  • Life insurance and annuities in New York are issued by a separate entity: Lincoln Life & Annuity Company of New York (LLANY).

  • LLANY products may be more limited and sometimes are not available or have different features.

Table:

Allowed StatesException StatesAll states & DCNew York (via LLANY only)

Summary:
Lincoln Financial (LNL) writes life insurance policies in all states and DC except New York. For New York, only policies under the LLANY subsidiary may be offered, and availability varies by product.