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A TRADITION OF STRENGTH

We offer the stability and integrity you want

Building on more than 100 years of expertise and sound risk management, Lincoln Financial today has a strong financial foundation with ample capital and liquidity to cushion the company from further disruptions in the markets. As a result of our strong operating performance and our ability to successfully navigate the market challenges of the past, all four major ratings agencies have affirmed our financial strength ratings with a stable outlook.

We provide the focused insurance and retirement solutions you need

Our business is built around supporting and preserving your lifestyle — in your working years by helping you to grow your savings and provide income for your family's needs following an unexpected event, and in your retirement years by providing a guaranteed source of income to supplement your savings and investments. Specifically our advice and solutions allow you to:

  • Take advantage of life and disability benefits offered by your employer to protect against disruption of income
  • Prepare for retirement by accumulating assets during your working years and plan for income distribution in retirement
  • Manage your retirement income planning with tax-smart solutions
  • Protect yourself and your family during and after your lifetime through life insurance and long-term care solutions

Financial Strength materials

Looking toward the future

Looking ahead, the goal of Lincoln Financial is to continue to create value for you — our clients, our partners, our employees and our shareholders. We are confident that our business model is sound, our products and advice are needed more than ever, and we are well-positioned to help you take charge of your financial future.

Lincoln Financial Group businesses are subject to financial, market, political and economic risks, as well as risks inherent to its business operations. New York products are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company of Fort Wayne, IN, issues products in all other states. The Lincoln National Life Insurance Company does not solicit business in the state of New York nor is it authorized to do so. Securities distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The assets and liabilities of the affiliates are separate from Lincoln Financial Group and would be used to meet obligations. Securities and investment advisory services offered through other affiliates.


Forward-Looking Statements — Cautionary Language

Certain statements made in this document are "forward-looking statements." Forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from the results contained in the forward-looking statements. Risks and uncertainties that may cause actual results to vary materially, some of which are described within the forward-looking statements include, among others, deterioration in general economic or business conditions; credit market illiquidity; lowering of one or more of Lincoln's debt ratings issued by nationally recognized statistical rating organizations; lowering of one or more of the insurer financial strength ratings of Lincoln's insurance subsidiaries; legislative and regulatory changes and proceedings; changes in interest rates; sudden or prolonged declines in the equity markets; and deviation in actual experience regarding future persistency, mortality, morbidity, interest rates, or equity market returns from Lincoln's assumptions used in pricing its products, in establishing related insurance reserves, and in the amortization of intangibles that may result in an increase in reserves and a decrease in net income. The risks included here are not exhaustive. Lincoln's annual report on Form 10-K for the year ended
December 31, 2010, quarterly reports on Form 10-Q, current reports on Form 8-K, and other documents filed with the SEC include additional factors which could impact Lincoln's business and financial performance.

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Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



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