Lincoln National Corporation (LNC)

Life, annuity and group benefits insurer. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 19, 2026. Ranked 50 of the 101 Financial Services companies read so far, by the share within reach now.

A life insurer whose filing states 9,423 employees and describes four insurance businesses with no count by business, so the whole workforce is read at insurance carriers by description.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 39% now, 59% at the end of 2027, 68% at the end of 2028, 71% at the end of 2030. By the patterns, the work is about 71% desk work, 25% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 29% of the working time stays with people (conversation, in-person and hands-on work), 61% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

9,423 employees as of December 31, 2025 (stated). Not stated: the human capital section gives no count by country.

The filing: “As of December 31, 2025, we had a total of 9,423 employees.”

The workforce as industry patterns

What the filing says about the workforce: A total of 9,423 employees as of December 31, 2025 (9,783 a year earlier); a hybrid work model with flexible arrangements; nothing by kind of work, country or status.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Insurance Carriers, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• UnitedHealth Group (UNH, 390,000 employees)33% now, 54% by 2028
• Elevance Health (ELV, 97,100 employees)36% now, 62% by 2028
• The Progressive Corporation (PGR, 70,000 employees)39% now, 68% by 2028
• Cigna Corporation (CI, 67,700 employees)37% now, 60% by 2028
• Humana Inc. (HUM, 67,060 employees)34% now, 54% by 2028
• Centene Corp. (CNC, 61,100 employees)39% now, 68% by 2028
• The Allstate Corporation (ALL, 53,000 employees)39% now, 68% by 2028
• MetLife, Inc. (MET, 46,000 employees)39% now, 68% by 2028

What the filing says about AI

19 sentences in the filing name AI. The filing recounts the NAIC's guiding principles on AI and its model bulletin on insurers' use of AI, and says Lincoln has introduced foundational AI literacy training and hands-on learning for employees.

• “Risk Factors - Legislative, Regulatory and Tax - Compliance with existing and emerging privacy laws and regulations could result in increased compliance costs and/or lead to changes in business practices and policies, and any failure to protect the confidentiality of personal information could adversely affect our reputation and have a material adverse effect on our business, financial conditio...”
• “In August 2020, members of the NAIC unanimously adopted guiding principles on AI to inform and articulate general expectations for businesses, professionals and stakeholders across the insurance industry as they implement AI tools to facilitate operations.”
• “In December 2023, the NAIC adopted a model bulletin on the use of AI by insurers, which was intended to remind insurance carriers that decisions impacting consumers that are made or supported by advanced analytical and computational technologies, including AI, must comply with all applicable insurance laws and regulations, including those prohibiting unfair trade practices.”
• “In addition, the NAIC is actively developing an AI Systems Evaluation Tool, a regulatory framework designed to help assess how insurers implement AI, with a focus on identifying risks to consumers and ensuring financial stability.”
• “In December 2025, President Trump issued the Executive Order titled "Ensuring a National Policy Framework for Artificial Intelligence," which seeks to establish a unified national standard for AI policy and directs federal agencies to coordinate efforts to challenge and preempt conflicting state AI laws.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20211median 0
• Fiscal 20221median 0
• Fiscal 202311median 1
• Fiscal 202415median 4
• Fiscal 202519median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The U.S. share is not stated.
• No count by business: the four businesses are read at one carrier pattern by description (c).

Source: the company's annual report on EDGAR, accession 0000059558-26-000016, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.