Lincoln National is a holding company. Co. operates multiple insurance and retirement businesses through its subsidiary companies. Co. 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, linked-benefit UL, indexed universal life insurance, term life insurance, employer-sponsored retirement plans and services, and group life, disability and dental. Co. provides products and services through its Annuities, Retirement Plan Services, Life Insurance and Group Protection segments.