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- Lincoln National Corporation
About Lincoln National Corporation
Lincoln National Corporation operates primarily under the Lincoln Financial brand and is a major U.S. financial-services and insurance company headquartered in Radnor, Pennsylvania. The company helps individuals, families, employers, and retirement-plan participants manage financial protection, retirement income, life insurance, employee benefits, and long-term financial planning. Its four core businesses are Annuities, Life Insurance, Group Protection, and Retirement Plan Services.
Lincoln Financial traces its history to 1905 and today serves approximately 17 million customers. As of December 31, 2025, the company reported approximately $349 billion in end-of-period account balances, net of reinsurance, reflecting the scale of its insurance, retirement, and annuity operations.
The publicly traded parent is Lincoln National Corporation, while insurance and financial products are issued or distributed through subsidiaries such as The Lincoln National Life Insurance Company, Lincoln Life & Annuity Company of New York, and Lincoln Financial Distributors. Current Chairman, President and Chief Executive Officer Ellen G. Cooper has served as CEO since May 2022 and Chairman since May 2023.
Quick Information
Corporate Phone Number
484-583-1400
Lincoln National Corporation’s current SEC filings identify this as the telephone number for its principal executive office.
Customer Service Number
877-275-5462
Also presented as:
877-ASK-LINC
Current general Customer Service hours
Monday to Friday: 8:00 AM to 6:00 PM.
Corporate Office Address
Lincoln National Corporation
150 N. Radnor-Chester Road, Suite A305
Radnor, PA 19087
United States
Headquarters Address
Lincoln National Corporation / Lincoln Financial
150 N. Radnor-Chester Road
Radnor, PA 19087
United States
Lincoln National Corporation’s 2025 Form 10-K identifies this location as its principal executive office.
Lincoln Financial does not publish one universal unsecured Customer Service email for every policy or account.
Current verified specialized contacts include:
Investor Relations: InvestorRelations@LFG.com
Media Relations: Media@LFG.com
Group Protection Client Services: Clientservices@LFG.com
Life Insurance Customer Support: CustServSupportTeam@LFG.com.
Industry
Life Insurance, Annuities, Retirement Services, Employee Benefits, Financial Services and Wealth Protection
Founded
1905
Lincoln Financial traces its corporate history to the founding of The Lincoln National Life Insurance Company.
Current Chairman, President and CEO
Ellen G. Cooper
Cooper is Chairman, President and Chief Executive Officer of Lincoln Financial and also serves on the boards of its principal insurance subsidiaries.
Number of Employees
9,423 employees
Lincoln National Corporation reported this workforce total as of December 31, 2025.
Number of Customers
Approximately:
17 million customers
as of December 31, 2025.
Account Balances
Approximately:
$349 billion
in end-of-period account balances, net of reinsurance, as of December 31, 2025.
Corporate Office Hours
Lincoln Financial does not publish general public walk-in hours for the Radnor corporate center.
General Customer Service:
Monday to Friday: 8:00 AM to 6:00 PM
Website
https://www.lincolnfinancial.com/
Investor Relations
https://www.lincolnfinancial.com/public/aboutus/investorrelations
Current Investor Relations:
800-237-2920
InvestorRelations@LFG.com.
Stock Listing
New York Stock Exchange
Ticker:
LNC.
Careers Page
https://jobs.lincolnfinancial.com/
Lincoln Financial recruits in actuarial, claims, finance, customer service, technology, legal, marketing, sales, underwriting, data, analytics, and other professional fields.
Lincoln Financial Products & Services
Lincoln Financial organizes its principal business around four core areas: annuities, life insurance, group protection, and retirement-plan services. Products differ according to customer type, state, employer, and issuing subsidiary.
Life Insurance
Lincoln Financial provides individual life-insurance products designed to offer financial protection to beneficiaries after the insured person’s death.
Products can also support estate planning, business planning, wealth transfer, and other long-term financial strategies.
Term Life Insurance
Term life insurance provides coverage for a specified period and is generally designed around straightforward death-benefit protection.
Available policy terms, underwriting requirements, riders, and premiums depend on the particular product.
Universal Life Insurance
Lincoln offers permanent universal-life solutions that can combine death-benefit protection with policy-value features.
Some policies allow flexibility in premiums or death-benefit structure subject to policy terms.
Indexed Universal Life Insurance
Indexed universal life products provide permanent insurance while linking certain policy-value calculations to external market indexes.
Lincoln expanded its IUL portfolio in 2026 with products including Lincoln WealthProtector IUL.
Variable Universal Life Insurance
Variable universal life combines permanent life-insurance protection with investment-based subaccounts.
Policy values can fluctuate according to investment performance, fees, insurance costs, and other contractual factors.
MoneyGuard Solutions
Lincoln MoneyGuard products combine life-insurance protection with benefits designed to help address qualifying long-term-care expenses.
These products are intended for consumers who want both protection and potential access to benefits for extended care.
Long-Term Care Benefits
Lincoln maintains legacy and hybrid long-term-care-related products and support services.
Customers with existing coverage should contact Lincoln using the service information specific to their policy.
Fixed Annuities
Fixed annuities provide tax-deferred accumulation and may offer guaranteed interest features subject to contract terms.
They are generally used for retirement savings and income planning.
Fixed Indexed Annuities
Fixed indexed annuities link interest-crediting potential to the performance of selected market indexes while providing contractual protections against direct market losses to principal, subject to terms and limitations.
Current customer support for fixed-indexed annuities includes 800-950-2454.
Variable Annuities
Lincoln offers variable annuities that allow contract owners to allocate assets among investment options.
Values can rise or fall based on underlying investment performance, and guarantees depend on the issuing insurance company’s claims-paying ability.
Lincoln Level Advantage
Lincoln Level Advantage is part of Lincoln’s registered index-linked and variable annuity offerings.
Current customer service for certain Lincoln Level Advantage accounts is available at 877-737-6872.
American Legacy Annuities
American Legacy is a long-established Lincoln variable-annuity platform.
Current American Legacy Customer Service:
800-942-5500.
Retirement Plan Services
Lincoln provides employer-sponsored retirement solutions to businesses and organizations.
Participants can access account information, contributions, investment choices, statements, retirement-planning tools, beneficiary information, and qualifying distribution services.
401(k) Plans
Lincoln provides recordkeeping and administration for employer-sponsored 401(k) retirement plans.
Plan features depend on the employer’s specific plan document and investment lineup.
403(b) Plans
Lincoln supports retirement programs for qualifying nonprofit, education, and other organizations.
403(b) participants can access investment and account-management services according to their employer’s plan.
Group Variable Annuity Retirement Plans
Lincoln administers group variable-annuity-based retirement programs.
Current support for Lincoln Group Variable Annuity accounts includes:
800-341-0441.
Group Annuity Pension Services
Lincoln provides pension-related group-annuity administration for qualifying employer plans.
Current Group Annuity Pension Customer Service:
800-348-4608.
Group Life Insurance
Employers can offer group life-insurance benefits through Lincoln.
Coverage can help employees provide financial support to beneficiaries after death.
Short-Term Disability Insurance
Lincoln provides employer-sponsored short-term disability benefits designed to replace a portion of income during qualifying temporary disabilities.
Eligibility, waiting periods, benefit periods, and amounts depend on the employer’s plan.
Long-Term Disability Insurance
Long-term disability coverage can provide continuing income replacement for eligible employees unable to work because of a covered illness or injury.
Claims are reviewed according to the applicable group policy.
Dental Insurance
Lincoln offers employer-sponsored dental-benefit programs.
Members can access provider information and covered preventive or restorative services according to their plan.
Vision Insurance
Vision coverage is available through qualifying employer-benefit packages.
Benefits can include eye examinations, glasses, lenses, and other covered services depending on the policy.
Accident Insurance
Accident insurance can pay specified benefits for qualifying injuries and related medical events.
It is generally offered as a voluntary or employer-sponsored supplemental benefit.
Critical Illness Insurance
Critical illness insurance provides benefits after qualifying covered diagnoses.
Payments may help policyholders manage medical or nonmedical expenses during treatment.
Employee Benefits Administration
Lincoln provides employers and benefits administrators with digital tools, claim resources, forms, enrollment support, and client services.
Current Group Protection client support:
800-423-2765.
Online Account Access
Lincoln Financial customers can register for digital access to life, annuity, retirement, brokerage, and group-benefit accounts.
Online tools support statements, forms, account changes, and other qualifying transactions.
Lincoln Financial Corporate Phone Numbers
Corporate Phone Number
484-583-1400.
Corporate Headquarters Number
484-583-1400
Headquarters Number
484-583-1400
General Customer Service
877-275-5462
Also:
877-ASK-LINC.
Life Insurance Customer Service
For most individual life products:
800-487-1485
Hours:
Monday to Friday: 8:00 AM to 6:00 PM.
Life Insurance Customer Service Email
CustServSupportTeam@LFG.com.
Fixed Indexed Annuity Customer Service
800-950-2454.
American Legacy Annuity Customer Service
800-942-5500.
Choice Plus / Investor Advantage Customer Service
800-826-2583.
Lincoln Level Advantage Customer Service
877-737-6872.
Annuity Claims
800-487-1485, Option 4
Email:
IndividualClaims@lfg.com.
Group Protection Client Services
800-423-2765
Hours:
Monday to Thursday: 8:00 AM to 8:00 PM ET
Friday: 8:00 AM to 6:00 PM ET
Email:
Clientservices@LFG.com.
Group Variable Annuity Retirement Support
800-341-0441
Hours:
Monday to Friday: 8:00 AM to 6:00 PM ET.
Group Annuity Pension Support
800-348-4608
Hours:
Monday to Friday: 8:00 AM to 5:00 PM ET.
Website Support
877-533-1022.
Investor Relations Number
800-237-2920
Investor Relations Email
InvestorRelations@LFG.com.
Media / Press Email
Media@LFG.com.
Applicant Accessibility Number
866-922-6543
This number is intended for applicants who require disability or TTY/TDD assistance with Lincoln’s online job application process.
Toll-Free Number
Major toll-free contacts include:
877-275-5462 for general service
800-487-1485 for most life policies
800-423-2765 for Group Protection.
Billing Number
Lincoln does not use one universal billing number across all insurance and retirement products.
Customers should use the service number associated with their particular policy or account.
Regional Office Number
Lincoln does not publish one universal regional-office number.
International Number
Product-specific international support should be obtained from the relevant account or policy service team.
Emergency / After-Hours Number
Lincoln does not publish a universal public emergency corporate hotline.
Online account access remains available for qualifying self-service functions.
How to Reach a Real Person at Lincoln Financial
For a general inquiry when you are unsure which business unit handles your account, call 877-275-5462 Monday through Friday from 8:00 AM to 6:00 PM. Have your policy, contract, certificate, retirement-plan, or account number available. Because Lincoln operates several major insurance and retirement businesses, the general representative may route you to Life Insurance, Annuities, Group Protection, Retirement Plan Services, Claims, or another specialized team.
For faster service, customers who already know their product should use the appropriate specialized line. Life-insurance customers can call 800-487-1485, Group Protection clients 800-423-2765, and retirement participants should use the number shown on their statement or applicable Lincoln retirement-plan support page.
Lincoln National Corporation Headquarters & Corporate Office Address
Lincoln National Corporation’s current principal executive office is:
Lincoln National Corporation
150 N. Radnor-Chester Road, Suite A305
Radnor, PA 19087
United States
Corporate Phone: 484-583-1400.
Radnor Corporate Headquarters
150 N. Radnor-Chester Road
Radnor, PA 19087
United States
Lincoln reported leasing approximately 0.2 million square feet of office space in Radnor for its corporate center and Lincoln Financial Distributors as of December 31, 2025.
Current Chairman, President and CEO
Ellen G. Cooper
Cooper has served as CEO since May 2022 and Chairman since May 2023.
Current Employee Scale
9,423 employees
as of December 31, 2025.
Current Customer Scale
Approximately:
17 million customers.
Current Account Balance Scale
As of December 31, 2025:
$349 billion
in end-of-period account balances, net of reinsurance.
Main Business Segments
Lincoln’s four core businesses are:
Annuities
Life Insurance
Group Protection
Retirement Plan Services.
Fort Wayne Insurance Operations
The Lincoln National Life Insurance Company maintains principal executive offices at:
1301 South Harrison Street
Fort Wayne, IN 46802
Phone: 260-455-2000.
This is an important insurance operating location but should not be confused with Lincoln National Corporation’s parent-company headquarters in Radnor.
Stock Listing
Lincoln National Corporation trades on:
NYSE
Ticker:
LNC.
How to File a Complaint Against Lincoln Financial
Customers filing a complaint involving life insurance, annuities, retirement accounts, employee benefits, claims, billing, policy servicing, investment products, or another Lincoln Financial matter should gather their policy or contract number, account statements, transaction details, claim number, dates, correspondence, and names of previous representatives before escalating.
Step 1: Contact the Appropriate Lincoln Customer Service Team
Begin with the Lincoln service team responsible for your product. General inquiries can use 877-275-5462, most life-insurance customers 800-487-1485, and Group Protection clients 800-423-2765. Explain the issue clearly, provide the policy or account number, and ask the representative to document the complaint. Keep the date, representative’s name, and any reference or case number.
Step 2: Request Supervisor or Claims Review
If the first representative cannot resolve the issue, request review by a supervisor, claims specialist, policy-service manager, or retirement-plan specialist. Provide a concise chronology showing the original request, the response received, and what remains unresolved. For denied or disputed claims, follow the appeal instructions included in the claim decision or plan documents.
Step 3: Submit a Written Corporate Complaint
For a serious unresolved corporate matter, send written correspondence to Lincoln National Corporation, 150 N. Radnor-Chester Road, Radnor, PA 19087. Include your contact details, policy or account number, dates, prior case numbers, copies of relevant statements or letters, and the resolution you are seeking. Do not send original irreplaceable documents.
Step 4: Contact the Appropriate Insurance or Securities Regulator
If an insurance complaint remains unresolved, customers can contact the state Department of Insurance that regulates the relevant policy or issuing company. Complaints involving securities or broker-dealer activity may fall under FINRA, the SEC, or applicable state securities regulators. Retirement-plan complaints may also involve employer plan administrators or federal benefits regulators depending on the plan.
Step 5: Preserve Complete Complaint Records
Keep copies of policies, contracts, statements, claim decisions, letters, emails, payment records, and notes from every phone call. If an outside regulator, attorney, plan administrator, or financial institution later reviews the dispute, a complete timeline and supporting documents will make the complaint easier to evaluate.
