Lincoln National Corporation, through its subsidiaries, engages in multiple insurance and retirement businesses in the United States. It 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 (VUL), linked-benefit UL, term life insurance, mutual funds, and group life insurance. Lincoln National Corporation also provides employer-sponsored fixed and variable annuities, and mutual fund-based programs; single and survivorship versions of UL and VUL, including corporate-owned UL and VUL, and bank-owned UL and VUL products to small and mid-sized banks and large-sized corporations; and group non-medical insurance products, principally term life, disability, and dental. Lincoln National Corporation distributes its products through a range of intermediaries, including financial advisors, consultants, brokers, banks, wirehouses, planners, third party administrators, and other intermediaries. Lincoln National Corporation was founded in 1904 and is headquartered in Radnor, Pennsylvania.