MASHINIi

Lincoln National Corporation.

LNC.US | Life insurance

Lincoln National Corporation is a holding company that operates multiple insurance and investment management businesses through subsidiary companies. The company focuses on providing a range of financial products and services, including annuities, life insurance, group protection (such as disability...Show More

Ethical Profile

Mixed.

Lincoln National Corporation's ethical standing presents a mixed picture. The company has faced significant regulatory scrutiny, incurring penalties totaling $178,491,785 since 2000 for consumer protection and insurance violations. Reports also link LNC to multiple data breaches, including a 2009 incident potentially affecting 1.2 million accounts and an August 2024 breach exposing personal information like Social Security numbers. Employee sentiment is mixed, with a 163:1 CEO-to-median-employee pay ratio and Glassdoor reviews citing management concerns. Positively, LNC reports a 31% reduction in Scope 1, 2, and 3 greenhouse gas emissions from a 2019 baseline, and approximately 60% of employees earn living wages. The company also reaches about 28% of underserved groups through subsidized programs.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity-50
-100100
Fair Pay & Worker Respect-10
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-20
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-30
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech-20
-100100
Zero Waste & Sustainable Products-40
-100100

Better Health for All

0

No specific, quantifiable evidence was found in the provided articles to assess Lincoln National Corporation against any of the 'Better Health for All' KPIs. The articles offer general ESG ratings

1
and mention an internal wellness program for financial professionals
2
, but lack the concrete data points, such as percentages of revenue, expenditure, or specific impact metrics, required by the rubric's quantitative thresholds for scoring.

Fair Money & Economic Opportunity

-50

Lincoln National Corporation has incurred over $189 million in regulatory penalties since 2000

1
. Of this, $178,491,785 is attributed to 26 consumer protection-related offenses
2
. The company faced a $109,957,440 penalty in 2023 for a federal private lawsuit concerning a consumer protection violation
3
.

Fair Pay & Worker Respect

-10

Lincoln National Corporation's CEO median pay ratio for 2024 was 163:1, based on the CEO's compensation of $15,903,302 and a median employee pay of $97,812.

1
Employee sentiment data indicates that 60% of employees would recommend the company, with an overall rating of 3.5 out of 5 stars.
2
Positive feedback highlighted great benefits, company culture, and coworkers.
3
Negative feedback cited poor management, lack of cost-of-living raises, high workloads, and forced return-to-office policies.
4

Fair Trade & Ethical Sourcing

0

No evidence available to assess Lincoln National Corporation on Fair Trade & Ethical Sourcing.

Honest & Fair Business

-20

Lincoln National Corporation incurred approximately $192.2 million in ethics-related fines between 2023 and 2025.

1
This includes a $109.9 million fine for a consumer protection violation in 2023, an $8.5 million fine for an investor protection violation in 2024, and a $73.7 million fine for another consumer protection violation in 2025.
2
The company has a whistleblower policy that allows employees to report potential violations anonymously via an Ethics Hotline or website, and it prohibits retaliation against anyone who reports concerns in good faith.
3
Additionally, the company maintains an Anti-Bribery and Anti-Corruption Policy, last reviewed in January 2024.
4
This policy prohibits offering or receiving anything of value to improperly influence business decisions, including bribery of public officials and private persons, the use of intermediaries for bribery, and facilitation payments.
5
The policy applies to all employees, officers, directors, and relevant third parties, with breaches leading to disciplinary action.
6

Kind to Animals

0

The provided articles explicitly state that they do not contain any data relevant to animal welfare, animal testing, or related topics for Lincoln National Corporation (LNC.US).

1
No specific metrics, certifications, or actions related to animal welfare could be extracted, resulting in significant data gaps for all KPIs.
2

No War, No Weapons

0

No evidence available to assess Lincoln National Corporation on No War, No Weapons.

Planet-Friendly Business

-30

The company reported zero monetary losses from legal proceedings associated with environmental regulations in 2022, 2023, and 2024.

1
Additionally, a community project in Charlotte, North Carolina, demonstrates a basic climate justice initiative through collaboration with local stakeholders, providing affordably priced housing and tax savings for homeowners.
2

Respect for Cultures & Communities

0

No evidence available to assess Lincoln National Corporation on Respect for Cultures & Communities.

Safe & Smart Tech

-20

Lincoln National Corporation experienced two data breaches within the past three years. In May 2025, a hacking incident affected over 1,123 individuals.

1
In August 2024, unauthorized access to names and Social Security numbers of an unknown number of people occurred.
2
The company has a 'Blueprint for Ethical AI' and acknowledges AI ethics challenges.
3
Mandatory annual security awareness and anti-phishing training is provided to all employees.
4
An incident of unauthorized access to sensitive consumer information occurred in August 2024.
5
The company maintains multifactor authentication requirements and availability.
6
Lincoln demonstrated basic regulatory compliance by filing a data breach notice with the Massachusetts Attorney General in August 2024.
7

Zero Waste & Sustainable Products

-40

In 2021, Lincoln National Corporation diverted 24.78% of its total waste from landfills, with 225 tons recycled and 87 tons sent to waste-to-energy facilities.

1
The company implemented a waste reduction initiative that achieved a 30% reduction in paper purchases, saving 8,300 reams.
2
No waste disposal violations were reported from 2016 to 2021.
3

Own Lincoln National Corporation?

Upload your portfolio and see how all your holdings score across 11 ethical dimensions.

Audit My Portfolio

AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.