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Financial strength and stability

After a century of stability and sound risk management, Lincoln continues to earn strong ratings with a stable outlook.

A strong foundation

Building on more than 115 years of expertise and experience, Lincoln enjoys a strong financial foundation with ample capital and liquidity to cushion the company from disruptions in the markets.

As a result of our strong operating performance and ability to successfully navigate past market challenges, all four major ratings agencies have affirmed our financial strength and stability ratings with a stable outlook.

Strength in numbers*

You can have confidence choosing Lincoln as your trusted financial advisor and partner:

  • More than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses.

  • Four major ratings agencies have affirmed our financial strength ratings.
  • More than 600 wholesalers armed to provide the sales support you need to succeed.

*As of March 31, 2014


Top sales rankings*

#1 Total life sales
#1 Variable universal life sales
#2 Universal life sales
#2 Variable annuity sales

*LIMRA-YTD rankings for publicly traded companies as of September 30, 2014.

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.