Lincoln National Corp. is a holding company, which operates multiple insurance and retirement businesses through its subsidiary companies. It operates through the following segments: Annuities, Retirement Plan Services, Life Insurance, Group Protection, and Other operations. The Annuities segment provides tax-deferred investment growth and lifetime income opportunities for its clients by offering fixed and variable annuities. The Retirement Plan Services segment provides employers with retirement plan products and services, primarily in the defined contribution retirement plan marketplaces. The Life Insurance segment focuses on the creation and protection of wealth for its clients by providing life insurance products, including term insurance, a linked-benefit product and both single and survivorship versions of universal life insurance and variable universal life insurance, including COLI and BOLI products. The Group Protection segment offers group non-medical insurance products, principally term life, disability and dental, to the employer marketplace through various forms of employee-paid and employer-paid plans. The company was founded in 1968 and is headquartered in Radnor, PA.