Lincoln National Corporation, established in 1905 and headquartered in Radnor, Pennsylvania, operates a comprehensive suite of insurance and retirement businesses across the United States via its various subsidiaries. The company structures its operations into four principal segments: Annuities, Retirement Plan Services, Life Insurance, and Group Protection. The Annuities segment provides a selection of annuity products, encompassing fixed, variable, and indexed variable options. Its Retirement Plan Services division primarily assists employers in the defined contribution retirement plan marketplace. This segment offers individual and group variable annuities, group fixed annuities, and mutual fund-based investment programs. Additionally, it furnishes a wide array of services such as plan recordkeeping, compliance oversight, participant education, and trust and custodial functionalities. The Life Insurance segment delivers a robust portfolio of life insurance products. These include term insurance, various universal life policies (like single, survivorship, variable, and indexed versions), and optional critical illness and long-term care riders. Through its Group Protection segment, Lincoln National offers non-medical group insurance benefits and administration services to employers. These include short and long-term disability coverage, statutory disability and paid family medical leave administration, absence management, term life, dental, vision, accident, and critical illness benefits, available through both employee-paid and employer-funded plans. The company distributes its offerings through an extensive network of professionals, including consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediaries.