Our distribution model

Lincoln Financial Group® is recognized in the industry for our world-class distribution model. It is a key differentiator from our competition and an important attribute that has attracted and strengthened many of our strategic partner relationships. Our business lines are able to market their solutions via three different distribution outlets.

Lincoln Financial Distributors® (LFD) is our wholesale distribution system. LFD sells life insurance, annuities, and defined contribution plans through intermediary strategic partner firms. Lincoln has formal selling agreements with our strategic partners, enabling them to provide Lincoln products to their clients.

Lincoln Financial NetworkSM (LFN) is our retail distribution platform. Financial advisors affiliated with LFN provide financial planning and advisory services, retirement services, life products, annuities, investments, and trust services to affluent individuals, business owners and families.

Our third distribution outlet is worksite sales. LFN, LFD and other third party financial professionals specializing in the employer market sell our group benefit products and defined contribution retirement plans to employers (plan sponsors.)

Our distribution model

Lincoln Financial Group® is recognized in the industry for our world-class distribution model. It is a key differentiator from our competition and an important attribute that has attracted and strengthened many of our strategic partner relationships. Our business lines are able to market their solutions via three different distribution outlets.

Lincoln Financial Distributors® (LFD) is our wholesale distribution system. LFD sells life insurance, annuities, and defined contribution plans through intermediary strategic partner firms. Lincoln has formal selling agreements with our strategic partners, enabling them to provide Lincoln products to their clients.

Lincoln Financial NetworkSM (LFN) is our retail distribution platform. Financial advisors affiliated with LFN provide financial planning and advisory services, retirement services, life products, annuities, investments, and trust services to affluent individuals, business owners and families.

Our third distribution outlet is worksite sales. LFN, LFD and other third party financial professionals specializing in the employer market sell our group benefit products and defined contribution retirement plans to employers (plan sponsors.)