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Lincoln Financial Group has focused its business on wealth accumulation and wealth protection for the high-net-worth and retirement markets in the US. It has narrowed its focus through divesting businesses like its reinsurance operations and managed healthcare to concentrate on annuities, life insurance, and investment management. This focus has led to strong financial performance and earnings growth, though performance was impacted in 2001 by market declines. Lincoln's target markets in high-net-worth individuals and retirees have seen double-digit growth. Its life insurance and retirement products have strong positions in their target markets due to innovative product design and administrative services.





































































































































