[8-K] LINCOLN NATIONAL CORP Reports Material Event

Rhea-AI Filing Summary

Lincoln National Corporation furnished materials related to its third quarter results. On October 30, 2025, the company announced financial results for the quarter ended September 30, 2025 and provided supporting documents.

The package includes a press release (Exhibit 99.1), a statistical supplement (Exhibit 99.2), and an earnings supplement presentation (Exhibit 99.3) made available in connection with the earnings call scheduled for October 30, 2025. These materials are furnished, not filed, under the Exchange Act.

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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

October 30, 2025

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

(Commission

(IRS Employer

of incorporation)

File Number)

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 2.02. Results of Operations and Financial Condition.

On October 30, 2025, Lincoln National Corporation (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2025, a copy of which is attached as Exhibit 99.1 and is incorporated herein by reference. The Company’s statistical supplement for the quarter ended September 30, 2025, is attached as Exhibit 99.2 and is incorporated herein by reference.

The information, including exhibits attached hereto, furnished under this Item 2.02 shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended (the “Securities Act”), except as otherwise expressly stated in such filing.

Item 7.01. Regulation FD Disclosure.

On October 30, 2025, in connection with the Company’s third quarter 2025 earnings conference call scheduled for the same date, the Company made available on its website a third quarter 2025 earnings supplement presentation dated October 30, 2025, a copy of which is attached hereto as Exhibit 99.3 and is incorporated herein by reference.

This presentation is being furnished under this Item 7.01 and shall not be deemed “filed” for the purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that Section. The information in Exhibit 99.3 shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act, except as otherwise expressly stated in such filing.

Item 9.01. Financial Statements and Exhibits.

(d)Exhibits.

The following exhibits are being furnished with this Form 8-K.

Exhibit Number			Description
99.1			Press release dated October 30, 2025, announcing Lincoln National Corporation’s financial results for the quarter ended September 30, 2025.
99.2			Lincoln National Corporation Statistical Supplement for the quarter ended September 30, 2025.
99.3			Third Quarter 2025 Earnings Supplement dated October 30, 2025.
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/ Adam Cohen

Name:

Adam Cohen

Title:

Senior Vice President, Chief Accounting Officer and Treasurer

Date: October 30, 2025

FAQ

What did LNC (LNC) announce in this 8-K?

The company announced its financial results for the quarter ended September 30, 2025 and furnished related materials.

Which period do the results cover for LNC?

The results cover the quarter ended September 30, 2025.

What exhibits accompany LNC’s Q3 2025 results?

Exhibit 99.1 is the press release, 99.2 is the statistical supplement, and 99.3 is the earnings supplement presentation.

Are the LNC materials filed or furnished?

They are furnished under Items 2.02 and 7.01 and are not deemed filed under Section 18 of the Exchange Act.

When was the LNC earnings presentation made available?

It was made available on October 30, 2025, in connection with the third quarter 2025 earnings call scheduled for the same date.

Where can investors find LNC’s Q3 2025 presentation?

A copy is attached as Exhibit 99.3 and was made available on the company’s website.