Lincoln Financial
A publicly traded, diversified financial-services organization (NYSE: LNC) spanning annuities, life insurance, retirement plans, workplace benefits, and long-term care planning - issuing annuities primarily through The Lincoln National Life Insurance Company.
Financial strength
A
AM Best
A+
S&P Global
A+
Fitch
A2
Moody's
A / A+ rated
Primary issuer carries A from AM Best, A+ from S&P Global and Fitch, and A2 from Moody's.
Public company
Marketing name for Lincoln National Corporation, listed on the NYSE under the ticker LNC.
Radnor, PA
Headquartered in Radnor, Pennsylvania.
Founded 1905
Traces its roots to 1905, using Abraham Lincoln's name with permission from his son Robert Todd Lincoln.
MoneyGuard franchise
Known for MoneyGuard hybrid life-insurance and long-term-care planning solutions.
Run live numbers on Lincoln Financial products
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Income FIAs
Selected product: Lincoln FlexAdvantage Income (1-year)
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
Other current products
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Explore Lincoln Financial products
Lincoln Financial’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Growth
Index-linked annuities built for protected growth, with caps, participation rates, and fixed-account options surfaced from live product data.
- Growth-oriented FIAs grouped by accumulation purpose
- Individual product pages carry current rates, terms, riders, and disclosures
Best for: Buyers comparing principal-protected growth potential before opening a product page for the full live strategy set.
Core Capital (1-year)
A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation across cap, participation, fixed-trigger, and uncapped strategies on a small mix of recognizable benchmark and proprietary indexes, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.5%
Core Capital (5-year)
A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation across cap, participation, fixed-trigger, and uncapped strategies on a small mix of recognizable benchmark and proprietary indexes, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.5%
Lincoln Covered Choice 5 II (1-year)
A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation across S&P 500 cap, participation, and trigger strategies plus a Capital Group Dividend Value ETF participation strategy, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.25%
Lincoln FlexAdvantage (1-year)
A seven-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation across cap, participation, fixed-trigger, and uncapped strategies on a broad menu of recognizable, ETF, and volatility-controlled indexes, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.35%
Lincoln Set 5 II (1-year)
A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation on a deliberately narrow S&P 500-based strategy menu (cap, trigger, Risk Control variant), with a higher-than-typical trigger floor and no income rider.
S&P 500 annual cap rate
8.75%
OptiBlend (1-year)
A nine-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for long-horizon index-linked accumulation across the broadest strategy and index menu on Lincoln's FIA shelf, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.5%
Optiblend Advisory 5 (1-year)
The advisory-channel, five-year-surrender filing of Lincoln's OptiBlend chassis from an A-rated carrier, offering the same broad index-strategy menu as the commission-channel OptiBlend on a much shorter surrender ladder, with no income rider and no premium bonus.
S&P 500 annual cap rate
9.25%
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-06-27. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
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Find your fit
Start with the job for the money, then open the live Lincoln product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
6.3%
10-yr illustration
Income-base roll-up
9%
simple, up to 10 yrs
Annual fee
1.1%
benefit charge
Premium
$100,000
Income base · yr 10
$190,000
Annual lifetime income
$11,970
Simplified illustration using this income option’s current simple income-base roll-up over 10 years, then its 6.3% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Lincoln Financial is
Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliated insurance and financial-services companies, offering life insurance, annuities, retirement solutions, workplace benefits, investments, and long-term care planning.
June 2026 packet · Lincoln Financial research packet
The Lincoln National Life Insurance Company is the primary issuing company for many of Lincoln's annuity and insurance products, while Lincoln Life & Annuity Company of New York issues products approved for sale in New York.
June 2026 packet · Lincoln Financial research packet
On ARHQ, Lincoln product cards and the analyzer are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Founded
1905
Lincoln National Life Insurance Company founded.
Founded 1905 · Lincoln Financial research packet
Headquarters
Radnor, PA
Headquartered in Radnor, Pennsylvania.
June 2026 packet · Lincoln Financial research packet
Public company
NYSE: LNC
Lincoln National Corporation trades on the New York Stock Exchange.
June 2026 packet · Lincoln Financial research packet
Business segments
Five
Life insurance, annuities, retirement plans, workplace benefits, and investments.
June 2026 packet · Lincoln Financial research packet
History highlights
Lincoln traces its roots to 1905 and received permission from Robert Todd Lincoln, son of President Abraham Lincoln, to use Lincoln's name and likeness as part of the company's identity.
Founded 1905 · Lincoln Financial research packet
Over the following century, Lincoln expanded from a life-insurance company into a diversified financial-services organization spanning annuities, retirement planning, workplace benefits, investments, and long-term care planning.
June 2026 packet · Lincoln Financial research packet
Today Lincoln operates as one of the largest publicly traded insurance and retirement companies in the United States.
June 2026 packet · Lincoln Financial research packet
A publicly traded, diversified financial-services company
Lincoln Financial is the marketing name for Lincoln National Corporation, a publicly traded company listed on the New York Stock Exchange under the ticker LNC.
June 2026 packet · Lincoln Financial research packet
Major insurance subsidiaries include The Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York, and First-Penn Pacific Life Insurance Company.
June 2026 packet · Lincoln Financial research packet
Unlike several mutual or private-equity-backed carriers in the research library, Lincoln operates as a publicly traded diversified financial-services organization.
June 2026 packet · Lincoln Financial research packet
Financial strength
AM Best
CurrentA
Excellent financial-strength rating on Lincoln's primary insurance subsidiary.
June 2026 packet
Lincoln Financial research packet · current rating check
S&P Global
A+
Strong financial-strength rating.
June 2026 packet
Lincoln Financial research packet
Fitch
A+
Strong financial-strength rating.
June 2026 packet
Lincoln Financial research packet
Moody's
A2
Good financial-strength rating.
June 2026 packet
Lincoln Financial research packet
What makes Lincoln Financial different
Publicly traded and diversified
Lincoln combines insurance, annuities, retirement plans, workplace benefits, investments, and long-term care planning under one publicly traded organization (NYSE: LNC).
June 2026 packet · Lincoln Financial research packet
MoneyGuard franchise
Lincoln's MoneyGuard line combines life insurance with long-term-care planning in a single product structure and is one of the most recognizable hybrid LTC solutions in the market.
June 2026 packet · Lincoln Financial research packet
Broad annuity platform
The annuity platform spans fixed indexed annuities, variable annuities, and income-focused retirement solutions designed to support accumulation, income generation, and legacy planning.
June 2026 packet · Lincoln Financial research packet
Primary issuing company
The Lincoln National Life Insurance Company serves as the primary issuing company for many annuity and insurance products, while the New York entity issues products approved for sale in New York.
June 2026 packet · Lincoln Financial research packet
About Lincoln Financial
Lincoln Financial Group (NYSE: LNC), based in Radnor, Pennsylvania, is a diversified U.S. financial-services company with roots dating to 1905. It offers life insurance and annuities - including fixed, multi-year guaranteed, indexed, and variable annuities - alongside retirement plans, workplace benefits, and long-term care planning.
Checked 2026-06-20 · Lincoln Financial individual products site
Lincoln positions its annuities around guaranteed retirement income, principal protection, and tax-deferred growth, with fixed indexed annuities offering index-linked growth potential and variable annuities offering market participation.
June 2026 packet · Lincoln Financial research packet
On ARHQ, Lincoln product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates, riders, state availability, and disclosures.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get Lincoln Financial's current rate report
Compare Lincoln Financial's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Lincoln Financial individual products site — 2026-06-20
- Lincoln Financial research packet - overview, ownership, history, ratings, scale, and product architecture — June 2026 packet
- Live product catalog, rates, ratings confirmation, riders, and strategy metrics: CANNEX via AdvisorWorld public API — At render