ABOUT THIS PROSPECTUS
This prospectus is one part of a shelf registration statement that we have filed on Form
S-3 with the Securities and Exchange Commission, or the SEC, under the Securities Act of 1933, as amended, or the Securities Act. Under the shelf registration statement, we are registering an unspecified
amount of each class of the securities described in this prospectus, as applicable, and we and the selling securityholders may sell, from time to time, in one or more offerings, any combination of the securities described in this prospectus. In
addition, we or any of our respective affiliates may use this prospectus and the applicable prospectus supplement in a remarketing or other sale transaction involving the securities after their initial sale.
This prospectus provides you with a general description of the securities we may offer. Each time we, or the selling securityholders,
sell securities, we and, if applicable, the selling securityholders will provide a prospectus supplement that will contain specific information about the terms of that offering. The prospectus supplement may also add to, update, supplement or
clarify information contained in this prospectus. This prospectus does not contain all of the information set forth in the registration statement and the exhibits to the registration statement. For further information concerning us and the
securities, you should read the entire registration statement and the additional information described under Documents Incorporated by Reference below.
We have not, and any underwriter, dealer, agent or remarketing firm has not, authorized any other person to provide you with information
other than the information contained in or incorporated by reference into this prospectus and any applicable prospectus supplement. We, and any underwriter, dealer, agent or remarketing firm, take no responsibility for, and can provide no assurance
as to the reliability of, any other information that others may give you. We are not, and any underwriter, dealer, agent or remarketing firm is not, making an offer to sell these securities in any jurisdiction where the offer or sale is not
permitted or in which the person making such offer or solicitation is not qualified to do so or to any person to whom it is unlawful to make such offer or solicitation. You should assume that the information appearing in this prospectus is
accurate as of the date on the front cover. Our business, financial condition, results of operations and prospects may have changed since that date.
Unless otherwise indicated, or the context otherwise requires, all references in this prospectus to LNC, we,
our, us, or similar terms refer to Lincoln National Corporation.
WHERE YOU CAN FIND
MORE INFORMATION
We file annual, quarterly and current reports, proxy statements and other information and documents with the SEC.
The SEC maintains an Internet site, http://www.sec.gov, that contains reports, proxy and information statements, and other information regarding issuers that file electronically with the SEC.
This prospectus is one part of a registration statement filed on Form S-3 with the SEC under the
Securities Act. This prospectus does not contain all of the information set forth in the registration statement and the exhibits and schedules to the registration statement. For further information concerning us and the securities, you should read
the entire registration statement and the additional information described under Documents Incorporated by Reference below. The registration statement has been filed electronically and may be obtained in the manner listed above. Any
statements contained herein concerning the provisions of any document are not necessarily complete, and, in each instance, reference is made to the copy of such document filed as an exhibit to the registration statement or otherwise filed with the
SEC. Each such statement is qualified in its entirety by such reference.
Information about us, including certain of the additional
information described under Documents Incorporated by Reference, is also available on the Investor Relations page of our website at http://www.lincolnfinancial.com. This URL and the SECs URL above are intended to be inactive
textual references only. Such information on our or the SECs website is not a part of this prospectus.
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