Lincoln National Corporation, a Pennsylvania-based company, is a major player in the insurance and retirement business in the United States. The company operates through four distinct segments, namely Life Insurance, Annuities, Group Protection, and Retirement Plan Services. The Life Insurance segment of the company offers term insurance products that include single and survivorship versions of universal life insurance, variable universal life insurance, indexed universal life insurance, and critical illness and long-term care riders. In addition, the Annuities segment provides fixed, variable, and indexed variable annuities. The Group Protection segment of the company offers group non-medical insurance products, including short and long-term disability, statutory disability and paid family medical leave administration, and absence management services, term life, dental, vision and accident, and critical illness benefits and services. These are made available to the employer marketplace through various forms of employee-paid and employer-paid plans. Furthermore, the Retirement Plan Services segment provides employers with retirement plan products and services primarily in the defined contribution retirement plan marketplace. This includes individual and group variable annuities, group fixed annuities, and mutual fund-based programs. It also offers plan services such as plan recordkeeping, compliance testing, participant education, and trust and custodial services. The company distributes its products through consultants, brokers, planners, agents, financial advisors, third-party administrators, and other intermediaries. Founded in 1905, Lincoln National Corporation has established a reputation as a trusted provider of insurance and retirement services in the United States.