---
schema_version: "secwatch.filing_event.v1"
accession: "0000059558-24-000063"
form_type: "8-K"
ticker: "LNC"
cik: "0000059558"
company_name: "LINCOLN NATIONAL CORP"
filed_at: "2024-10-31T23:59:59+00:00"
generated_at: "2026-05-30T07:46:23.145508+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Lincoln Financial Q3 adjusted operating income $358M, or $2.06/share; net loss $(562)M on non-economic items

## Summary
- Adjusted operating income $358M ($2.06/diluted); net loss $(562)M ($(3.29)/share) from derivative and market risk benefit changes.
- Annuities operating income $300M (+15% YoY); sales $3.4B (+24%) with RILA up 13% sequentially.
- Group Protection operating income $110M (more than doubled YoY); margin expanded 500 bps to 8.5%.
- Life Insurance operating income $14M (ex-assumption review); sequential sales growth 16%.
- RBC ratio estimated >420%; holding company available liquidity $459M.

## SEC filing metadata
- accession: 0000059558-24-000063
- form_type: 8-K
- ticker: LNC
- cik: 0000059558
- company_name: LINCOLN NATIONAL CORP
- filed_at: 2024-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/59558/000005955824000063/0000059558-24-000063-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/59558/000005955824000063/lnc-20241031.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000059558-24-000063
- JSON: https://secwatch.observer/filing/0000059558-24-000063.json
- Plain text: https://secwatch.observer/filing/0000059558-24-000063.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.