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Lincoln Financial (LNC) Earnings Report: Q3 2015 Conference Call Transcript

The following Lincoln Financial (LNC - Get Report) conference call took place on October 29, 2015, 10:00 AM ET. This is a transcript of that earnings call:

Company Participants

  • Chris Giovanni; Lincoln National Corporation; VP of IR
  • Dennis Glass; Lincoln National Corporation; President & CEO
  • Randy Freitag; Lincoln National Corporation; CFO

Other Participants

  • Suneet Kamath; UBS; Analyst
  • John Nadel; Piper Jaffray; Analyst
  • Tom Gallagher; Credit Suisse; Analyst
  • Seth Weiss; Bank of America Merrill Lynch; Analyst
  • Michael Kovac; Goldman Sachs; Analyst
  • Jimmy Bhullar; JPMorgan; Analyst
  • Ryan Krueger; Keefe, Bruyette & Woods, Inc.; Analyst
  • Yaron Kinar; Deutsche Bank; Analyst
  • Humphrey Lee; Dowling & Partners; Analyst
  • Steven Schwartz; Raymond James & Associates, Inc; Analyst

MANAGEMENT DISCUSSION SECTION Operator: Good morning and thank you for joining Lincoln Financial Group third quarter 2015 earnings conference call.


(Operator Instructions) At this time, I would like to turn the conference over to the Senior Vice President of Investor Relations, Chris Giovanni. Please go ahead, Sir. Chris Giovanni (VP of IR): Thank you. Good morning and welcome to Lincoln Financial's third quarter earnings call. Before we begin, I have an important reminder. Any comments made during the call regarding future expectations, trends and market conditions including comments about sales and deposits, expenses, income from operations and liquidity and capital resources are forward-looking statements under the...