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    <div style="display:none"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="ct-nonNumeric-2be418d6-0fd2-4dd6-b4db-51cc574bed6e" contextRef="Duration_5_22_2023_To_5_22_2023" format="ixt:booleanfalse">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="ct-nonNumeric-1af9255c-3958-4fa0-a72b-04f3ba7da061" contextRef="Duration_5_22_2023_To_5_22_2023">0000059558</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:type="simple" xlink:href="lnc-20230522.xsd"></link:schemaRef></ix:references><ix:resources><xbrli:context id="Duration_5_22_2023_To_5_22_2023_us-gaap_StatementClassOfStockAxis_us-gaap_NoncumulativePreferredStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000059558</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:NoncumulativePreferredStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-05-22</xbrli:startDate><xbrli:endDate>2023-05-22</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="Duration_5_22_2023_To_5_22_2023_us-gaap_StatementClassOfStockAxis_us-gaap_CommonStockMember"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000059558</xbrli:identifier><xbrli:segment><xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember></xbrli:segment></xbrli:entity><xbrli:period><xbrli:startDate>2023-05-22</xbrli:startDate><xbrli:endDate>2023-05-22</xbrli:endDate></xbrli:period></xbrli:context><xbrli:context id="Duration_5_22_2023_To_5_22_2023"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000059558</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-05-22</xbrli:startDate><xbrli:endDate>2023-05-22</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>
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    <div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 2pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.1pt;"><span id="_Hlk135223725" style="text-decoration: none;"></span><span style="white-space:pre-wrap; color: #000000;font-size: 2pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><h1 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 22.5pt;line-height: 25.8pt;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 3.7pt;text-align: center;text-indent: 0.21in;"><span id="_Hlk135224281" style="text-decoration: none;"></span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 22.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">UNITED STATES</span></h1><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 22.5pt;line-height: 215.0%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 22.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">SECURITIES AND EXCHANGE COMMISSION</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 15pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0.2pt;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 15pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Washington, D.C. 20549</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.15pt;"></p><h1 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 22.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 11.35pt;text-align: center;text-indent: 0.21in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 22.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">FORM </span><ix:nonNumeric name="dei:DocumentType" id="ct-nonNumeric-eab7cb90-384f-4e25-9430-fb5a42876ac2" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 22.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">8-K</span></ix:nonNumeric></h1><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.05pt;"></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 15pt;line-height: 142.9%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 12.65pt;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 15pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">CURRENT REPORT</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 15pt;line-height: 141.7%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 15pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Pursuant to Section 13 or 15(d)</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 15pt;line-height: 142.9%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 15pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">of the Securities Exchange Act of 1934</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 15pt;line-height: 142.9%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 12.25pt;text-align: center;"><ix:nonNumeric name="dei:DocumentPeriodEndDate" id="ct-nonNumeric-a79e4705-2e2b-4401-a330-1862c824c931" contextRef="Duration_5_22_2023_To_5_22_2023" format="ixt:datemonthdayyearen"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 15pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">May 22, 2023</span></ix:nonNumeric></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 15pt;line-height: 142.9%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 15pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Date of Report (Date of earliest event reported)</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.35pt;"></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 30.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 12.45pt;text-align: center;text-indent: 0.21in;"><ix:nonNumeric name="dei:EntityRegistrantName" id="ct-nonNumeric-cc674d23-3adf-46ca-a0bb-5c19beb2d945" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 30.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Lincoln National Corporation</span></ix:nonNumeric></p><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0.75pt;text-align: center;text-indent: 0.21in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(Exact name of registrant as specified in its charter)</span></h2><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><div style="padding-left: 0;text-align:center"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: auto;margin-right: auto;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 198.1pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 198.1pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 198.15pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom: solid windowtext 1.0pt;border-left: solid windowtext 1.0pt;border-right: solid windowtext 1.0pt;border-top: solid windowtext 1.0pt;padding-bottom: 0;padding-left: 5.4pt;padding-right: 5.4pt;padding-top: 0;vertical-align: top;width: 198.1pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;text-align: center;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="ct-nonNumeric-53a8bb79-3b73-4ae6-a7a7-f2f5fb090563" contextRef="Duration_5_22_2023_To_5_22_2023" format="ixt-sec:stateprovnameen"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Indiana</span></ix:nonNumeric></p></td><td style="border-bottom: solid windowtext 1.0pt;border-left: solid windowtext 1.0pt;border-right: solid windowtext 1.0pt;border-top: solid windowtext 1.0pt;padding-bottom: 0;padding-left: 5.4pt;padding-right: 5.4pt;padding-top: 0;vertical-align: top;width: 198.1pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;text-align: center;"><ix:nonNumeric name="dei:EntityFileNumber" id="ct-nonNumeric-604cfeda-6c1b-4042-9b31-44979afb3670" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">1-6028</span></ix:nonNumeric></p></td><td style="border-bottom: solid windowtext 1.0pt;border-left: solid windowtext 1.0pt;border-right: solid windowtext 1.0pt;border-top: solid windowtext 1.0pt;padding-bottom: 0;padding-left: 5.4pt;padding-right: 5.4pt;padding-top: 0;vertical-align: top;width: 198.15pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;text-align: center;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="ct-nonNumeric-57c63f0f-ce45-41d7-adac-52fb4a1b978b" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">35-1140070</span></ix:nonNumeric></p></td></tr><tr><td style="border-bottom: solid windowtext 1.0pt;border-left: solid windowtext 1.0pt;border-right: solid windowtext 1.0pt;border-top: solid windowtext 1.0pt;padding-bottom: 0;padding-left: 5.4pt;padding-right: 5.4pt;padding-top: 0;vertical-align: top;width: 198.1pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(State or other jurisdiction of incorporation)</span></p></td><td style="border-bottom: solid windowtext 1.0pt;border-left: solid windowtext 1.0pt;border-right: solid windowtext 1.0pt;border-top: solid windowtext 1.0pt;padding-bottom: 0;padding-left: 5.4pt;padding-right: 5.4pt;padding-top: 0;vertical-align: top;width: 198.1pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(Commission File Number)</span></p></td><td style="border-bottom: solid windowtext 1.0pt;border-left: solid windowtext 1.0pt;border-right: solid windowtext 1.0pt;border-top: solid windowtext 1.0pt;padding-bottom: 0;padding-left: 5.4pt;padding-right: 5.4pt;padding-top: 0;vertical-align: top;width: 198.15pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(IRS Employer Identification No.)</span></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.3pt;"></p></div>
    <div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 90.0%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 1.15pt;"><span style="white-space:pre-wrap; font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></div>
    <div><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 4.65pt;text-align: center;text-indent: 0.21in;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="ct-nonNumeric-8f165db9-4e17-4003-a480-65c56b0e2289" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">150 N. Radnor Chester Road</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">, </span><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="ct-nonNumeric-c1a58018-536e-4851-9385-1179c1a5cabe" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Radnor</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">, </span><ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="ct-nonNumeric-83ba92ad-2415-4f03-ab8f-e731bec92d2a" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">PA</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;"> </span><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="ct-nonNumeric-ebb36a6b-1341-4f89-a467-1096a6a24a2f" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">19087</span></ix:nonNumeric></h2><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0.3pt;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 10pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">(Address of principal executive offices) (Zip Code)</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 10pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.35pt;"><span style="white-space:pre-wrap; color: #000000;font-size: 10pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 0.05pt;text-align: center;text-indent: 0.21in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Registrant&#8217;s telephone number, including area code: (</span><ix:nonNumeric name="dei:CityAreaCode" id="ct-nonNumeric-7be76340-76d1-4272-ac8e-3c8a9d226f96" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">484</span></ix:nonNumeric><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">) </span><ix:nonNumeric name="dei:LocalPhoneNumber" id="ct-nonNumeric-c90d6c99-21a0-4b7b-adc5-a7c325dc9637" contextRef="Duration_5_22_2023_To_5_22_2023"><span style="white-space:pre-wrap; 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color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation </span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">of the registrant under any of the following provisions:</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 8.55pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="ct-nonNumeric-861b82e1-62ae-4a85-9cad-38f82249e2da" contextRef="Duration_5_22_2023_To_5_22_2023" format="ixt:booleanfalse"><span style="white-space:pre-wrap; color: #000000;font-family: Wingdings;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"><span style="white-space:pre-wrap; font-family: &quot;Wingdings&quot;">&#168;</span></span></ix:nonNumeric><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#160;&#160;&#160;&#160;&#160;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 12.35pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="ct-nonNumeric-52272e44-d41b-4d01-b451-887e53ed0628" contextRef="Duration_5_22_2023_To_5_22_2023" format="ixt:booleanfalse"><span style="white-space:pre-wrap; color: #000000;font-family: Wingdings;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"><span style="white-space:pre-wrap; font-family: &quot;Wingdings&quot;">&#168;</span></span></ix:nonNumeric><span style="white-space:pre-wrap; 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color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#160;</span></p><div style="text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;"><tr style="height: 0.01in;"><td style="background: #FFFFFF;border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: middle;width: 356.2pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="background: #FFFFFF;border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 3.15pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="background: #FFFFFF;border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: middle;width: 123.5pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="background: #FFFFFF;border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: bottom;width: 4.6pt;"><p dir="ltr" style="text-align:left; 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font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#160;</span></p></td><td style="background: #FFFFFF;border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 101.8pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 5pt;margin-left: 0;margin-right: 0;margin-top: 5pt;text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="ct-nonNumeric-62e407a1-9eaf-4db4-9282-2d2ee0b6d835" contextRef="Duration_5_22_2023_To_5_22_2023_us-gaap_StatementClassOfStockAxis_us-gaap_NoncumulativePreferredStockMember"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">LNC PRD</span></ix:nonNumeric></p></td><td style="background: #FFFFFF;border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: bottom;width: 4.15pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#160;</span></p></td><td style="background: #FFFFFF;border-bottom: none;border-left: none;border-right: none;border-top: none;padding-bottom: 0;padding-top: 0;vertical-align: top;width: 309.05pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 5pt;margin-left: 0;margin-right: 0;margin-top: 5pt;text-align: center;"><ix:nonNumeric name="dei:SecurityExchangeName" id="ct-nonNumeric-f545b93f-c57a-4a01-9c57-703fd3211c8a" contextRef="Duration_5_22_2023_To_5_22_2023_us-gaap_StatementClassOfStockAxis_us-gaap_NoncumulativePreferredStockMember" format="ixt-sec:exchnameen"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">New York Stock Exchange</span></ix:nonNumeric></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 200.0%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 105.0%;margin-bottom: .001pt;margin-left: 0;margin-right: 0.28in;margin-top: 4.6pt;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: MS PGothic;font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.05pt;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Emerging growth company </span><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="ct-nonNumeric-bfd37ea6-85c4-44c9-b09b-f5f9a8d6a839" contextRef="Duration_5_22_2023_To_5_22_2023" format="ixt:booleanfalse"><span style="white-space:pre-wrap; color: #000000;font-family: Wingdings;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"><span style="white-space:pre-wrap; font-family: &quot;Wingdings&quot;">&#168;</span></span></ix:nonNumeric></p><p dir="ltr" style="font-family: MS PGothic;font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.15pt;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: MS PGothic;font-size: 12.5pt;line-height: 111.7%;margin-bottom: .001pt;margin-left: 0;margin-right: 0.28in;margin-top: 0.05pt;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="white-space:pre-wrap; color: #000000;font-family: MS PGothic;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">&#9744;</span><span style="white-space:pre-wrap; font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"><br />&#8206;</span></p></div>
    <div><div class="footerContainer"></div><hr class="pageBreak" style="margin:18pt 0pt; ct-page-break: true; page-break-after: always;" /><div class="headerContainer"></div></div>
    <div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><h3 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 4.8pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Item 8.01. Other Events.</span></h3><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.45pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0.31in;margin-top: 0;"><span style="white-space:pre-wrap; background: white;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Lincoln National Corporation (the &#8220;Company&#8221;)</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> is filing this Current Report on Form 8-K (&#8220;Form 8-K&#8221;) to update the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2022, as amended by Amendment No. 1 on Form 10-K/A filed on March 30, 2023 (collectively, the &#8220;2022 Annual Report on Form 10-K&#8221;), for changes in accounting for long-duration contracts by insurance companies.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">The Company adopted Accounting Standards Update 2018-12, Targeted Improvements to the Accounting for Long-Duration Contracts (&#8220;ASU 2018-12&#8221;), effective January 1, 2023, with a transition date of January 1, 2021, using a modified retrospective approach, except for market risk benefits, for which the Company applied a full retrospective transition approach. The amendments of ASU 2018-12 updated the accounting and reporting requirements for long-duration contracts and certain investment contracts issued by insurance entities. The Company&#8217;s consolidated financial statements are presented under the new guidance for reporting periods beginning January 1, 2021.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Exhibit 99.1 filed with this Form 8-K and incorporated by reference into this Item 8.01 updates the following sections contained in the 2022 </span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Annual Report on Form</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> 10-K </span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">for the adoption of ASU 2018-12 </span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">for the years ended December 31, 2022 and 2021:</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: Symbol;font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0.54in;margin-right: 0;margin-top: 0.4pt;text-indent: -0.25in;"><span style="white-space:pre-wrap; display: inline-block;font-family: Symbol;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.250in;">&#61623;</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Item 7. Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</span></p><p dir="ltr" style="font-family: Symbol;font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0.54in;margin-right: 0;margin-top: 0.4pt;text-indent: -0.25in;"><span style="white-space:pre-wrap; display: inline-block;font-family: Symbol;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.250in;">&#61623;</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Item 7A.</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Quantitative and Qualitative Disclosure About Market Risk</span></p><p dir="ltr" style="font-family: Symbol;font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0.54in;margin-right: 0;margin-top: 0.4pt;text-indent: -0.25in;"><span style="white-space:pre-wrap; display: inline-block;font-family: Symbol;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.250in;">&#61623;</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Item 8. Financial Statements and Supplementary Data</span></p><p dir="ltr" style="font-family: Symbol;font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.54in;margin-right: 0;margin-top: 0.4pt;text-indent: -0.25in;"><span style="white-space:pre-wrap; display: inline-block;font-family: Symbol;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.250in;">&#61623;</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Item 15. Exhibits, Financial Statements and Schedules</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.4pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Except for the matter noted above, no other information in the 2022 Annual Report on Form 10-K is being updated in this Form 8-K for events or developments that occurred subsequent to the filing on February 16, 2023 of the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2022 or the filing of the Annual Report on Form 10-K/A on March 30, 2023.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.45pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">This Form 8-K and Exhibit 99.1 should be read in conjunction with and as a supplement to information contained in the 2022 Annual Report on Form 10-K. For significant developments since the filing of the 2022 Annual Report on Form 10-K, refer to the Company&#8217;s Quarterly Report on Form 10-Q for the quarter ended March 31, 2023 and other relevant filings with the Securities and Exchange Commission.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><h3 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 4.8pt;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">Item 9.01. Financial Statements and Exhibits.</span></h3><h3 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 1.50in;margin-right: 0;margin-top: 4.8pt;text-indent: 0.50in;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;"> </span></h3><h3 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 4.8pt;text-indent: 0.50in;"><span style="white-space:pre-wrap; display: inline-block;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.500in;">(d)</span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Exhibits.</span></h3><h3 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: 0;margin-left: 0;margin-right: 0;margin-top: 4.8pt;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;"> </span></h3><div style="padding-left: 0;text-align:left"><table dir="ltr" style="border: none;border-collapse: collapse;margin-bottom: .001pt;margin-left: 0;margin-right: auto;"><tr style="height: 0.01in;"><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 1pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 1pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Exhibit Number</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Description</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;text-align: center;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">23</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><a href="lnc-20230522xex23.htm"><span style="white-space:pre-wrap; color: #0000FF;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Consent of Independent Registered Public Accounting Firm.</span></a></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">99.1</span></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><a href="lnc-20230522xex99_1.htm"><span style="white-space:pre-wrap; color: #0000FF;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-decoration: underline;">Updates, where applicable, for the adoption of ASU 2018-12 to Item 7, Item 7A, Item 8 and Item 15 of the Company&#8217;s 2022 Annual Report on Form 10-K.</span></a></p><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">101.INS</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">XBRL Instance Document &#8211; the instance document does not appear in the Interactive Date File because its XBRL tags are embedded within the Inline XBRL document.</span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">101.SCH</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">XBRL Taxonomy Extension Schema Document.</span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">101.CAL</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">XBRL Taxonomy Extension Calculation Linkbase Document.</span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">101.LAB</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">XBRL Taxonomy Extension Label Linkbase Document.</span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">101.PRE</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">XBRL Taxonomy Extension Presentation Linkbase Document.</span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">101.DEF</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">XBRL Taxonomy Extension Definition Linkbase Document.</span></p></td></tr><tr><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 86.6pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">104</span></p></td><td style="border-bottom-style: none;border-left-style: none;border-right-style: none;border-top-style: none;padding-bottom: 0;padding-left: 0;padding-right: 0;padding-top: 0;vertical-align: top;width: 732.4pt;"><p dir="ltr" style="text-align:left; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Cover Page Interactive Data File (embedded within the Inline XBRL document).</span></p></td></tr></table></div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; 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    <div><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><h2 dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0.21in;margin-right: 0.23in;margin-top: 4.1pt;text-align: center;text-indent: 0.21in;"><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: bold;margin: 0;padding: 0;">SIGNATURES</span></h2><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 105.0%;margin-bottom: .001pt;margin-left: 0.10in;margin-right: 0.28in;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.45pt;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 6.58in;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">LINCOLN NATIONAL CORPORATION</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.55pt;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 117.9%;margin-bottom: .001pt;margin-left: 6.58in;margin-right: 1.33in;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;display: inline-block;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.568in;">By</span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">/s/ Christopher Neczypor</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 117.9%;margin-bottom: .001pt;margin-left: 6.58in;margin-right: 2.08in;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;display: inline-block;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.569in;">Name: </span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Christopher Neczypor</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 103.8%;margin-bottom: .001pt;margin-left: 6.58in;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;display: inline-block;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;text-indent: 0;width: 0.568in;">Title:</span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Executive Vice President and Chief Financial</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 7.15in;margin-right: 0;margin-top: 0.85pt;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Officer</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0.35pt;"><span style="white-space:pre-wrap; color: #000000;font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 12.5pt;line-height: 105.0%;margin-bottom: .001pt;margin-left: 0.10in;margin-right: 0.28in;margin-top: 0;"><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">Date: </span><span style="white-space:pre-wrap; font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">May 22</span><span style="white-space:pre-wrap; color: #000000;font-family: 'Times New Roman', 'serif';font-size: 12.5pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;">, 2023</span></p><p dir="ltr" style="font-family: 'Times New Roman', 'serif';font-size: 11pt;line-height: 108%;margin-bottom: .001pt;margin-left: 0;margin-right: 0;margin-top: 0;"><span style="white-space:pre-wrap; font-size: 11pt;font-style: normal;font-weight: normal;margin: 0;padding: 0;"> </span></p></div>
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{"company-data": {"conformed-name": "LINCOLN NATIONAL CORP", "cik": "0000059558", "assigned-sic": "6311", "irs-number": "351140070", "state-of-incorporation": "IN", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "001-06028", "film-number": "23944539"}, "business-address": {"street1": "150 N RADNOR CHESTER RD", "city": "RADNOR", "state": "PA", "zip": "19087", "phone": "4845831400"}, "mail-address": {"street1": "150 N RADNOR CHESTER RD", "city": "RADNOR", "state": "PA", "zip": "19087"}}
lnc-20230522x8k
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM
8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d)
of the Securities Exchange Act of 1934
May 22, 2023
Date of Report (Date of earliest event reported)
Lincoln National Corporation
(Exact name of registrant as specified in its charter)
Indiana
1-6028
35-1140070
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
150 N. Radnor Chester Road
,
Radnor
,
PA
19087
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (
484
)
583-1400
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation
of the registrant under any of the following provisions:
¨
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each class
Trading
symbol(s)
Name of each exchange
‎
on which registered
Common Stock
LNC
New York Stock Exchange
Depositary Shares, each representing a 1/1000th interest in a share of 9.000% Non-Cumulative Preferred Stock, Series D
LNC PRD
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
¨
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.
☐
‎
Item 8.01. Other Events.
Lincoln National Corporation (the "Company")
is filing this Current Report on Form 8-K ("Form 8-K") to update the Company's Annual Report on Form 10-K for the year ended December 31, 2022, as amended by Amendment No. 1 on Form 10-K/A filed on March 30, 2023 (collectively, the "2022 Annual Report on Form 10-K"), for changes in accounting for long-duration contracts by insurance companies.
The Company adopted Accounting Standards Update 2018-12, Targeted Improvements to the Accounting for Long-Duration Contracts ("ASU 2018-12"), effective January 1, 2023, with a transition date of January 1, 2021, using a modified retrospective approach, except for market risk benefits, for which the Company applied a full retrospective transition approach. The amendments of ASU 2018-12 updated the accounting and reporting requirements for long-duration contracts and certain investment contracts issued by insurance entities. The Company's consolidated financial statements are presented under the new guidance for reporting periods beginning January 1, 2021.
Exhibit 99.1 filed with this Form 8-K and incorporated by reference into this Item 8.01 updates the following sections contained in the 2022
Annual Report on Form
10-K
for the adoption of ASU 2018-12
for the years ended December 31, 2022 and 2021:

Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations

Item 7A.
Quantitative and Qualitative Disclosure About Market Risk

Item 8. Financial Statements and Supplementary Data

Item 15. Exhibits, Financial Statements and Schedules
Except for the matter noted above, no other information in the 2022 Annual Report on Form 10-K is being updated in this Form 8-K for events or developments that occurred subsequent to the filing on February 16, 2023 of the Company's Annual Report on Form 10-K for the year ended December 31, 2022 or the filing of the Annual Report on Form 10-K/A on March 30, 2023.
This Form 8-K and Exhibit 99.1 should be read in conjunction with and as a supplement to information contained in the 2022 Annual Report on Form 10-K. For significant developments since the filing of the 2022 Annual Report on Form 10-K, refer to the Company's Quarterly Report on Form 10-Q for the quarter ended March 31, 2023 and other relevant filings with the Securities and Exchange Commission.
Item 9.01. Financial Statements and Exhibits.
(d)
Exhibits.
Exhibit Number
Description
23
Consent of Independent Registered Public Accounting Firm.
99.1
Updates, where applicable, for the adoption of ASU 2018-12 to Item 7, Item 7A, Item 8 and Item 15 of the Company's 2022 Annual Report on Form 10-K.
101.INS
XBRL Instance Document – the instance document does not appear in the Interactive Date File because its XBRL tags are embedded within the Inline XBRL document.
101.SCH
XBRL Taxonomy Extension Schema Document.
101.CAL
XBRL Taxonomy Extension Calculation Linkbase Document.
101.LAB
XBRL Taxonomy Extension Label Linkbase Document.
101.PRE
XBRL Taxonomy Extension Presentation Linkbase Document.
101.DEF
XBRL Taxonomy Extension Definition Linkbase Document.
104
Cover Page Interactive Data File (embedded within the Inline XBRL document).
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
LINCOLN NATIONAL CORPORATION
By
/s/ Christopher Neczypor
Name:
Christopher Neczypor
Title:
Executive Vice President and Chief Financial
Officer
Date:
May 22
, 2023