What does group protection — unearned premiums mean?

The portion of premiums collected in advance that relates to coverage periods not yet expired. This liability represents the company's obligation to provide insurance protection for the remainder of the policy term.

Lincoln National LNC Group Protection — Unearned Premiums

Other segment segments

Other Operations

$0—

Retirement Plan Services

$0—

Similar metrics at other companies

PRUGroup Insurance — Unearned Premiums

$94M-61.8%

ALLProtection Services — Unearned premiums

$5.61B+4.1%

ORITitle Insurance Group — Unearned Premiums

$0—

FAFUnearned premiums

$199.3M+1.6%

GLHealth — Unearned and advance premium

$71.65M+20.4%

PRUIndividual Life — Unearned Premiums

$0—

Other financials

Income statement

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Revenue$5.3B+13.1%

Net income-$172.0M+76.2%

EPS (diluted)-$1.10+75.1%

Balance sheet

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Cash & equivalents$7.3B+71.5%

Total debt$6.4B+8.5%

Total equity$10.2B+24.6%

Total assets$406.16B+6.1%

Cash flow

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Operating cash flow$138.0M+151%

Valuation

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Market cap$7.11B+10.3%

Enterprise value$6.13B-25.1%

P/E4.1×-0.7×

P/S0.4×0.0×

Profitability

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Net margin9.2%+2.2pp

Returns & leverage

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Return on equity18.8%+1.8pp

Debt / equity0.6×-0.1×

Where this comes from

Reported directly by Lincoln National in its filing.

Tagged under the XBRL concept us-gaap:SupplementaryInsuranceInformationUnearnedPremiums.

The official record: Lincoln National’s 10-K, filed February 19, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Lincoln National's group protection — unearned premiums?: Lincoln National (LNC) reported group protection — unearned premiums of $0 in Q4 2025.
What does group protection — unearned premiums mean?: The portion of premiums collected in advance that relates to coverage periods not yet expired. This liability represents the company's obligation to provide insurance protection for the remainder of the policy term.