Lincoln Financial Group (also known as Lincoln National) is a company providing financial services and solutions. It operates through four segments: Life Insurance, Annuities, Group Protection, and Retirement Plan Services. The Life Insurance segment provides term insurance solutions including universal life insurance (UL), indexed universal life insurance (IUL), variable universal life insurance (VUL) products, etc. The Annuities segment focuses on variable annuities, fixed (including indexed) annuities, and indexed variable annuities. The Group Protection segment offers group non-medical insurance products and services, including short- and long-term disability, statutory disability and paid family medical leave administration and absence management services, term life, dental, etc. The Retirement Plan Services segment provides retirement plan products and services.