Last $57.69 USD
Change Today +1.00 / 1.76%
Volume 2.0M
LNC On Other Exchanges
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As of 8:04 PM 11/21/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

150 North Radnor Chester Road

Suite A305

Radnor, PA 19087

United States

Phone: 484-583-1400

Fax:

Lincoln National Corporation, through its subsidiary companies, operates multiple insurance and retirement businesses through subsidiary companies. The company sells a range of wealth protection, accumulation and retirement income products and solutions. These products include fixed and indexed annuities, variable annuities, universal life insurance (UL), variable universal life insurance (VUL), linked-benefit UL, term life insurance, indexed universal life insurance, employer-sponsored retirement plans and services, and group life, disability and dental. Segments The company’s segments include Annuities, Retirement Plan Services, Life Insurance, and Group Protection. ANNUITIES The Annuities segment provides tax-deferred investment growth and lifetime income opportunities for its clients by offering fixed (including indexed) and variable annuities. Variable Annuities A variable annuity provides the contract holder the ability to direct the investment of premium deposits into one or more variable sub-accounts (variable funds) offered through the product (variable portion) and into a fixed account with a guaranteed return (fixed portion). The value of the variable portion of the contract holder’s account varies with the performance of the underlying variable funds chosen by the contract holder. The company’s variable funds include the Managed Risk Strategies fund options, a series of risk-managed funds that embed volatility management and, with some funds, capital protection strategies, inside the funds themselves. The company offers guaranteed benefit riders with certain of its variable annuity products, such as a guaranteed death benefit (GDB), a guaranteed withdrawal benefit (GWB), a guaranteed income benefit (GIB) and a combination of such benefits. In 2013, the company offered product riders including the Lincoln Lifetime Income Advantage 2.0 and Lincoln Lifetime Income Advantage 2.0 Protected Funds riders, which are hybrid benefit riders combining aspects of GWB and GIB. Lincoln Lifetime Income Advantage 2.0 and Lincoln Lifetime Income Advantage 2.0 Protected Funds riders provide higher income if the contract holder delays withdrawals, including both a 5% enhancement to the guaranteed amount each year a withdrawal is not taken for a specified period of time and an annual step-up of the guaranteed amount to the contract value. Contract holders under Lincoln Lifetime Income Advantage 2.0 are subject to restrictions on the allocation of their account value within the various investment choices. Contract holders under Lincoln Lifetime Income Advantage 2.0 Protected Funds are subject to the allocation of their account value to its Managed Risk Strategies fund options and certain fixed-income options. The company also offered the i4LIFE Advantage, i4LIFE Advantage Guaranteed Income Benefit and i4LIFE Advantage Guaranteed Income Benefit Protected Funds riders. These riders, which are covered by U.S. patents, allow variable annuity contract holders access and control during the income distribution phase of their contract. The company also offered the 4LATER Advantage Protected Funds rider. This rider provides a minimum income base used to determine the GIB floor when a client begins income payments under i4LIFE Advantage Guaranteed Income Benefit Protected Funds. The company also offered the Lincoln SmartSecurity Advantage one-year benefit, which is a GWB rider that offers the contract holder a guarantee equal to the initial deposit (or contract value, if elected after issue), adjusted for any subsequent purchase payments or withdrawals. Lincoln SmartSecurity Advantage one-year benefit allows an owner to step up the guarantee amount automatically on the benefit anniversary to the contract value if the contract value is greater than the guarantee amount at the time of step up. The company designs and actively manages the features and structure of its guaranteed benefit riders to maintain a competitive suite of products consistent with profitability and risk management goals. Fixed Annuities The company offers single and flexible premium fixed deferred annuities. Single premiu

 

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Industry Analysis

LNC

Industry Average

Valuation LNC Industry Range
Price/Earnings 10.3x
Price/Sales 1.2x
Price/Book 1.0x
Price/Cash Flow 9.9x
TEV/Sales 0.4x
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