<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/makinghomeownershipareality</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Q2-consumer-concerns</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/apennysavedis</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporation-elects-owen-ryan-to-serve-on-board-directors</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/wellsfargonewdirectionsaccess4</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegestatebuilder</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/autofeatures</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/buyingahome</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolndirectorgroupvariableannuityny</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/mandatoryretirementsystem</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging/buildingpartnerships</loc>		<lastmod>2025-05-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/financialchallengesofcaregiving</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/holidayspendingcreditcarddebt</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/corporateownedandbankownedlifeinsurance</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/fivewaysyoucanhelpfamilies</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/howtotalkaboutannuities/spending</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-network-appoints-adam-wilson-as-new-vice-president-strategic-partnerships</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/firstcomesbaby</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/form</loc>		<lastmod>2025-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/lifetimeprotection</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions</loc>		<lastmod>2026-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/coveredchoiceadvisory5IIfixedindexannuity</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/accessibility</loc>		<lastmod>2024-09-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancebshare</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/whatweoffer</loc>		<lastmod>2026-01-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/giftingstrategies</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvul1</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2advance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/thepowerfulbenefitsofabeneficiaryreview</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2024-Q4-MIE</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/1q2024earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancebonus</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlifeinsurancemythsandrealities</loc>		<lastmod>2026-03-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/nickmeyers</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/Financialliteracyevenforsavvyinvestorsmaymeanbetterresultsforincome</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/createafinancialplan/payforeducation</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/getstarted/loansandwithdrawls</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvulone2021</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/4q2023earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplussignature1ny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/sharetheloveofVULs</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/beyondtheheadlines</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans</loc>		<lastmod>2026-03-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/video_callout_test_page_audience_home_page</loc>		<lastmod>2025-10-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-further-enhances-moneyguard-suite</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/stuckonthesidelines</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/taxseason2026</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-introduces-comprehensive-health-savings-solutions-for-plan-sponsors</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/compassionate-care-services</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/havebetterclientconversations/planners</loc>		<lastmod>2026-03-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-WealthBuilderSM-IUL</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/LincolnBainCapitalTotalCreditFund/fundmaterials</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/ellencooper</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/marketinsights/subscribe</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusaccess</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/shouldve-couldve-wouldve-over-60-retirees-wish-they-could-get-do-over-in-retirement-planning-according-to-recent-study-from-lincoln-financial-group1</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/3q2022earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/foreignnationalexpertise</loc>		<lastmod>2026-03-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyseriesbshare</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/taxseasonisuponus</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/ellencooper</loc>		<lastmod>2026-01-22</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/annuities101/maintainyourlifestyle</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/partnerwithus/streamlinetheprocess</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg3plusny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources/annuityclaimlearningcenter/iclaimprocess</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lincolnfinancialinvestments/howtoinvest</loc>		<lastmod>2025-09-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCVULS3ELC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceserieslshareny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation/quarterlyresults</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights/debunkingmythsaboutcustomtdfs</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/common-stock-quarterly-cash-dividend-20250220</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-Announces-Plans-to-Launch-Two-New-Private-Market-Funds</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/shareholdersmeeting2023</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCVULS3ESC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvul3elite</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/build-more-efficient-portfolios</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/planningforasuccessfulsuccession</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/consumertestpage</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/frequentlyaskedquestions</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg1</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyfusionny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/lincoln-financial-group-highlights-its-commitment-to-diversity-equity-and-inclusion-as-it-recognizes-national-hbcu-week</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/mostvaluablefinanciallessonforkids</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/addempathytoclientconversations</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacydesign1ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2024-corporate-responsibility</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/peoplelikeme</loc>		<lastmod>2026-01-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/AbrahamLincoln</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/owntheoutcomein2021</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/indexlinkedannuities</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvuloneny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/alegsabefore2010ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/glossary</loc>		<lastmod>2025-10-29</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-National-Corporations-Board-of-Directors-Declares-Series-C-and-Series-D-Preferred-Stock-Dividends</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensemblevul2ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/support/reportfraud/form</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/3q2024earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2019performance</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/lincoln-financial-group-celebrates-exceptional-early-career-talent-on-national-intern-day</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/lifetimevsperformance</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/forms</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/mentalhealthtouchesusallhowareyourclientsdoing</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/empowerLatinofamiliesforaprosperousfuture</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privatemarketfunds/funds</loc>		<lastmod>2025-09-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/jamieohl</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/optionalfeatures/lincolnmax6selectadvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/national-intern-day</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantageprobshareav</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork</loc>		<lastmod>2025-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-named-to-usa-todays-list-americas-climate-leaders</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/celebratehispanicheritagemonth</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/guaranteedretirementincome</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardmarketadvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/clientexperienceisyouronlydifferentiator</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/financialwellnessbestpractices</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness/supplementalexecutiveretirementplan</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-named-to-flexjobs-top-100-companies-to-watch-for-remote-jobs</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife/lincolnwealthaccumulateiul2020</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/aetnavest</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv2eliteny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegsafeebased</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-series-c-and-series-d-preferred-stock-dividends</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/getstarted/preaftertaxcontributions</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-announces-President-of-Retirement-Plan-Services</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/existingclient</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2q2025earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/doesamericahaveamathproblem</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/generalinquiries</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-to-report-second-quarter-earnings-1-2-3-4-5-6-7-8-9-10-11-12</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/termlife/lincolntermaccellevelterm</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-and-Partners-Group-launch-new-royalty-evergreen-fund</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensemblevul2</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/guaranteedretirementincome</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/Takeadvantageoftaxseasontotackleestateplanning</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-network-welcomes-david-layo-to-national-network-independent-advisors</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-congratulates-the-Philadelphia-Eagles-on-victory</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/yourbusinessisproductivitythebalance</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources/myaccount</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/3q2023earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/shareholdersmeeting2022</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/support/retirementplans</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/individualvariableannuitybshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/howtotalkaboutannuities/saving</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/helpclientsstayontrack</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensembleaccumulatorvul</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/annuities101</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-20260219</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensemblevul1</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/financial-support</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/LLA2-SRP-Award</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/professionalresources/employeebenefits</loc>		<lastmod>2025-04-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancebshareny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2q2025earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/searchresults</loc>		<lastmod>2022-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/support/lostpolicyinquiry</loc>		<lastmod>2025-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NLCV4LC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/reimbursementvsindemnitylongtermcarepolicies</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceaclass</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/collegecosts</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvulone2007</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/corporate-partner-of-the-year</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/pandemicresources/retirement</loc>		<lastmod>2025-05-22</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/workwithafinancialprofessional/choosingaprofessional</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2bonus</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/savemore/isanirarightforyou</loc>		<lastmod>2025-02-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/reginalddavis</loc>		<lastmod>2026-01-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/productspotlight</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/easytousetechnology</loc>		<lastmod>2025-11-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/wellnesspath</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/lifeclaimlearningcenter/deathnotificationform/confirmation</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/peoplelikeme/meetsamantha</loc>		<lastmod>2026-01-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV4LC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/pandemicresources/communityupdates</loc>		<lastmod>2024-01-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/designadvisory</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights/helppreparefuturecaregivers</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/theartofsayingyesandnotogrow</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Most-Ethical-2026</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/corporategovernance</loc>		<lastmod>2026-01-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/lincoln-it-recognized-with-industry-award-for-enhancing-digital-experience</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/taxcenter</loc>		<lastmod>2025-11-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NCVULS3ESJ</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/universallife/lincolnlifeguaranteeul2019</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/maintainingandenhancingbrandloyalty</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/corporateresponsibility/empoweredemployees</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/buildyourbusinesswithforeignnationals</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/secure2plansponsors</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/tdibshareny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/photo-advisory-touchdown-lincoln-financial-group-talks-financial-wellness-goals-with-philadelphia-eagles</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusdesign1ny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV4J1</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/4trendsyoushouldwatch</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvuleliteny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV4J2</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/education</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegsvul3</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/wellnessinsights</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-strengthens-commitment-to-advance-racial-equity</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/angieribuffo</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/ourtop5conversationstotakeclientsfrommicroscopetotelescope</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacydesign3ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NCVULS3EJ</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/termlife/lincolnnlifeelementslevelterm</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/jamesmorris</loc>		<lastmod>2025-03-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2accessny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/tipstrendsandresources</loc>		<lastmod>2026-01-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/GY02</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/support/reportfraud</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-names-John-Muething-Head-of-Investor-Relations</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/havebetterclientconversations/businessowners</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Workday-Wellness-partner</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Q3-2024-consumer-concerns</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/alegsabefore2010</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/continuing-to-make-an-impact-lincoln-financial-group-named-2023-honoree-civic-50-greater-philadelphia</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2access</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg2</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging/ouremployeegroups</loc>		<lastmod>2025-05-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/disabilityinsuranceresources/form</loc>		<lastmod>2025-03-11</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/annuities-awareness-month</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/welcometothenewlsc</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/goldmansachsusfinancial2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldbelite</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/longtermcare</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal</loc>		<lastmod>2026-01-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/owenryan</loc>		<lastmod>2026-01-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-202508142</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning</loc>		<lastmod>2025-07-11</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/cgvul1</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/whoneedsandwantsannuities</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-WealthBuilder-ECV-IUL</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/longtermstrategicpartnershipwithbaincapital</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Todd-Lacey</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/clientdisclosures</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/savingforvacation</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2022performance</loc>		<lastmod>2023-06-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/personalizedservice</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging/inclusiveworkplace</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NLCV4J1</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/lincolnflexadvantagefixedindexedannuity</loc>		<lastmod>2026-03-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgesvul</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/lincolninvestmentsolutionsny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvulone</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/lincolnfinancialfoundation/lincolnslegacy/anthology</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/investwisely/targetdatetargetriskfunds</loc>		<lastmod>2025-04-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/visioninsurance</loc>		<lastmod>2026-03-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnmgvulelite</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife/lincolnwealthbuilderiul</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/toolsandresources</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/national-retirement-security-month</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/peoplelikeme/meetnatalia</loc>		<lastmod>2026-01-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2012</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/optionalfeatures/i4lifeadvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/loginregistrationhelp</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privacy/privacypracticesnoticeLFN</loc>		<lastmod>2025-10-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/specialneedsfinancialplanning</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/media-advisory-lincoln-financial-hosts-pep-rally-to-celebrate-eagles-heading-to-big-game</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/savemore</loc>		<lastmod>2025-12-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCCPPVUL_BOLI</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/whattypeisrightforme</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/LifeUnexpected</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/G002B</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Financial-Wellness-Marketplace</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/clientresources</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/protectionproducts</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/experiencedprofessionals</loc>		<lastmod>2025-06-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusadvisorybefore02182025ny</loc>		<lastmod>2025-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/CVUL</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusdesign3ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/shareholdersmeeting2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/financialwellness/givecredittoyourfinancialfuture</loc>		<lastmod>2025-02-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/antimoneylaundering</loc>		<lastmod>2022-05-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceasharebefore2010ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/bringlifetoyoungerwealthyclients</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvuldb2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacydesign3</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/RILA-income-product-featuring-category-first-legacy-benefit</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/individualvariableannuitybshareincome4lifesolutioncontract</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/savingforthebigdayandbeyond</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvuldb4ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/wellnesspathmarketplace</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceseriesbshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/rhodeisland</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyadvisory</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Fourth-Annual-Stacy-Brown-Memorial-Scholarship</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2q2024earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/advisoryclass</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancelsharebefore2011ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancelshareny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-to-hold-annual-meeting-shareholders-on-may-23-2024</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/4q2025earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/newyork</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/aetnavestep</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/financialwellnesssolutions/helpemployeesmanagestudentloans</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/sharelifespossibilitieswithHispanicAmericans</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/contact</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/studentandrecentgrads/actuarialinternshipprogram</loc>		<lastmod>2025-08-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2q2022earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/retirementplans</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/janetliang</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2advanceny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/cobbscreekrising</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/lincolnoptiblendincomefixedindexedannuity</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-responds-to-increase-in-pooled-employer-plan-adoption-as-small-business-owners-prioritize-efficiency-and-employee-benefits</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldbny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/cybersecurity</loc>		<lastmod>2025-10-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvul1ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-expands-financial-wellness-solutions</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvulcv3</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcvny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolndirectorgroupvariableannuitynewyork</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/nilanjanadhya</loc>		<lastmod>2026-01-22</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancebclass</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/variableannuityfundaindividualvariableannuity</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/marketintelexchange3Q2024</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusfusionny2025</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Capital-Group-ETF-strategy</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancecshareny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/whyitisimportant</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusdesign2ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/costofcare</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/overview</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/insightsandeducation</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/lincolnfinancialfoundation/lincolnslegacy/curriculum</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife/lincolnwealthbuilderecviul</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/spreadthelove</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/2024compliance</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/terms</loc>		<lastmod>2025-11-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-sustainability-and-investment-leader-amber-williams-receives-2023-women-influence-recognition-from-philadelphia-business-journal</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/affluentinvestorsCA</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-hires-industry-veteran</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnheritagesvul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/client-retention</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/temple-universitys-fox-school-business-welcomes-lincoln-financial-group-to-its-corporate-partners-program</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv2elite</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources/annuityclaimlearningcenter/claimpaymentoptions</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/dontletclientsrelyonluckforlongtermcare</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/johnckennedy</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/dentalinsurance</loc>		<lastmod>2026-03-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/faqs</loc>		<lastmod>2025-11-22</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/pilotclassicvariableannuity</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privacy/privacypracticesnotice</loc>		<lastmod>2025-10-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-thanks-philadelphia-eagles-for-an-incredible-season</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-announces-28-billion-reinsurance-transaction-with-fortitude-re-and-preliminary-first-quarter-2023-results</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldbeliteny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/healthiestworkplaces</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/workday-partnership</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv2</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/disabilityinsurance</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacysignature2</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvulcv4ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/contactus</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/1q2022earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/support/employeebenefits</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/mental-health-awareness-month</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/studentandrecentgrads</loc>		<lastmod>2025-08-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-tina-madon-as-senior-vice-president-head-investor-relations</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2025</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusadvisory</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/joinlincolnfinancialnetwork</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusfusionbefore02182025ny</loc>		<lastmod>2025-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/heroplus</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv4</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation/ratings</loc>		<lastmod>2026-03-13</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/lincolninvestmentsolutionsna</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/supportsearch</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/mediaresources</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/LFGphilanthropicfoundation</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources/ltcclaimlearningcenter/form</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife/lincolnwealthpreservesiul2022</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources/annuityclaimlearningcenter</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/financial-freedom-day</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/longtermcare/form</loc>		<lastmod>2025-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/strengthandstabilityCA</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2010ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplussignature2ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg3issuedbefore2011</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-preferred-stock-dividend-240501</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/investwisely</loc>		<lastmod>2025-07-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/doubledownforboomers</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/andrewrallis</loc>		<lastmod>2025-02-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegpreservationedgesvul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/havebetterclientconversations/investors</loc>		<lastmod>2026-03-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/jenwarne</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors/clientneeds/protectingandperservingwealth</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/American-Century</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Rich-Roll-The-Action-Plan</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/howtotalkaboutannuities</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/alegsaaclassbefore2010</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/cgaccruvul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/workplace-benefits-can-help-get-younger-generation-employees-through-door-and-keep-them-there</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife/lincolnwealthpreserveiul2020</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/broadentheconversation</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/actuary</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare</loc>		<lastmod>2026-03-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/doingbusinessbetter</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/womenandcaregivinggohandinhand</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusfusion</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacysignature1ny</loc>		<lastmod>2025-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-launches-lincsmart-simplified-benefits-experience</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2024WorldsMostEthicalCompaniesAward</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/pandemicresources/life</loc>		<lastmod>2024-08-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/morganstanley2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/barclaysglobalfinancialconference2022</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyshareholderadvantageaclassny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/guidingfemaleclients</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2021</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyfusion</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/colorado</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagefeebased</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancelshare</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV4J2M</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2014</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/timeforthetaxtalk</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/new-lincoln-financial-group-study-finds-more-women-are-setting-financial-goals-and-could-benefit-from-financial-wellness-mindset</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/quarterly-cash-dividend</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/only-2-americans-can-identify-financial-solutions-with-tax-advantages-despite-one-third-wanting-to-prioritize-these-investments</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privacy/californiaprivacynotice</loc>		<lastmod>2026-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/svp-in-underwriting-and-technology-delivery-businesses-heather-milligan-named-among-women-worth-watching-in-leadership</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/blazingthetrailforwomenadvisors</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/startingabusiness</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/IRS-grab-bag</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/teachaboutcashlessandonlinefinances</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-celebrates-35-years-its-pioneering-hybrid-lifelong-term-care-product-suite</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/plantingseedsforopportunity</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/california</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/investwisely/assetconsolidation</loc>		<lastmod>2025-04-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/individualvariableannuitycshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/CSR-report-2023</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/small-business-owners-have-big-personal-finance-concerns-according-to-new-lincoln-financial-group-study</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Capital-Group-and-Vanguard-fund</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/whatareyourgoals</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/lifeanddeath</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/productsuite</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedannuities/lincolninsuredincomeimmediateannuityspia</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/mattgrove</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacysignature2ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2q2023earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/1q2021earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/washington</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/marketvolatility</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV5</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgesvulperformance</loc>		<lastmod>2025-01-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/annuities101/retireonyourtimeline</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/readytogetstarted</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/revisedsecureact</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/guidancehub</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Jim-Morris-elected-to-serve-on-the-Board-of-Directors</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors/clientneeds/retirementincome</loc>		<lastmod>2025-11-11</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/mikebyrne</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolndirectorgroupvariableannuity</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-women-worth-watching-stem-profiles-in-diversity-journal-2023</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/EvolutionIQ</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/tdiadvisoryny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusaccessny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/changedrivesopportunity</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/UWadvantages</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/newtaxguidancebringsgoodnewsforirainvestors</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-network-launches-african-american-financial-professional-network</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2025-Annual-Meeting-of-Shareholders</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/termlife</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation</loc>		<lastmod>2026-03-13</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Jalen-Hurts-camp-sendoff</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/connecticutgeneralaccrunyva</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2020</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/guidancehub/covid-19</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCVULS3EJ</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/NRS</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/creattaxefficientincomestrategies</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/playingthelonggame</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvul3</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/bigmoneymistakeswithkids</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/CS0000</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-and-Bain-Capital-announce-long-term-strategic-partnership</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/danprisciotta</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/GY02B</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Cobbs-Creek-Foundation</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/trustreviews</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/vault-award</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/newhampshire</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/howtobuy</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/government</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/claimsportal</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/from-stress-tests-to-stress-free-approvals-looking-back-on-20-years-life-insurance-underwriting</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/allegiance</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialinvestments/modelportfolios</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/frankcapriotti</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/pilotelitevariableannuity</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/addressingconservatorships</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacycshare</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness/executivebonusplan</loc>		<lastmod>2026-01-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/washingtondc</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/studentandrecentgrads/internshipdevelopmentprogram</loc>		<lastmod>2025-08-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancebonusny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-enhances-customer-experience-for-its-employer-clients-with-new-onboarding-collaboration-tool</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/deminimisincentives</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/4q2020earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/jobleaverdistributionoptions</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyseriescshare</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/BlackHistoryMonth</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialinvestments/marketinsights</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/emancipatorlife</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/multifundvariablelife</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyfusionbefore2025</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/series-c-and-d-preferred-stock-dividend-20250801</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvulcv4</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/leavemanagementservices</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/reinsurancetransactionwithfortitudere</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-series-d-preferred-stock-dividend</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/connecticutgeneralaccrucpva</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-launches-new-tool</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/multifundindividual</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/workwithafinancialprofessional/ourextendednetwork</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LPPPVULBOLI</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/createafinancialplan/saveforretirement</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/4q2024earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincolnfinancialgroupentersagreementtosellwealthmanagementbusinesstoosaicinc</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/createafinancialplan/protectyourfamily</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/lincolnfinancialfoundation</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/financialwellness</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolnvariableinsuranceproductstrust</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lifegoals/performance</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging/supplierinclusion</loc>		<lastmod>2025-05-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NLCCVUL</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-named-2023-best-variable-index-annuity-carrier-by-structured-retail-products-americas</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/whatsmallbusinessownerswant</loc>		<lastmod>2025-04-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/loginregistrationhelp/contactusforloginsupport</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/1q2026earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2q2021earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-1-2-3-4-5-6-7-8-9-10-11</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/maryland</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldb4</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/innovationMatters</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-jared-nepa-as-head-life-and-moneyguard-distribution</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/fivethingstodowithyourpaycheck</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/makingadifferenceforamericanfamilies</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/tdiadvisory</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/mental-health-month-new-research-shows-employees-feel-stressed-finances-among-top-concerns</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/socialmediacommunityguidelines</loc>		<lastmod>2025-11-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/budgetingformilestonesinyourchildslife</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/michaelfmee</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/pensionlikeincomewithoutapension</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LPPVULEXP</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolnamericanlegacyretirementgroupvariableannuity</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/savemore/knowirslimits</loc>		<lastmod>2025-12-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/diversityinclusion/registration</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacybshare</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/QTIPtrusts</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-appoints-John-Morriss</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceashareny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privacy</loc>		<lastmod>2026-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/topsyturvymarkets</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/SAL0NY</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/whywehaveannuitiesawarenessmonth</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/kbwinsuranceconference2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/russjones</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/optionalfeatures/lincolnmarketselect</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/jennifercharterschiefinformationofficer</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness</loc>		<lastmod>2026-03-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagebshareav</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/LincolnBainCapitalTotalCreditFund</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/dalelefebvre</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/as-us-cash-balances-reach-record-high1-lincoln-financial-group-enhances-its-best-selling-registered-indexed-linked-annuity-to-help-protect-against-market-volatility</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/savemore/5catchupretirementsavingtips</loc>		<lastmod>2025-12-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/1q2026earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/4q2023earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/enchancedVCIsinIULs</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2005ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/strategicalliances</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/LIAM2025</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusselectbshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-20250522</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-partners-with-uncf-to-launch-scholar-development-program</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/indexeduniversallife/lincolnwealthaccelerateiul</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2019investorday</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldb4ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/stablevaluesolutions</loc>		<lastmod>2026-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/DALBAR-Top-Retirement-Plan-Provider</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/purposepassionandlifeprofit</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-ona-lewis-as-senior-vice-president-head-strategic-and-emerging-risk-management</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/taxmovestodayforthetomorrowyourclientshaveplanned</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedannuities/lincolnmyguaranteeplusfixedannuity</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/annuities101/annuitycosts</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/toolsforachangingworld</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusfusionbefore2025</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/caringforthecaregiver</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/small-business-week</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/studentandrecentgrads/entrylevelpositions</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-and-philadelphia-eagles-partner-to-host-big-brothers-big-sisters-event-to-kick-off-national-mentoring-month</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/optionalfeatures</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/closingout2020withanattitudeofgratitude</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/cache-flush-test-page</loc>		<lastmod>2023-04-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/whatweoffer</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/multifund5</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NLCV4J2</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/1q2025earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/jaysonbronchetti</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacydesign1</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Indexed-universal-life-insurance</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/insurancebenefitsareamusthave</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/guidancehub</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors/clientneeds/preparingforltc</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/groupretirementplans</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvulcv3ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/findafinancialprofessional/confirmation</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NCVULS3ELC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyshareholderadvantageny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/retireesCA</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/3q2025earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation/secfilings</loc>		<lastmod>2025-06-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/BlackHistoryMonth</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/alegsaaclassbefore2010ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/consentforelectronicsignature</loc>		<lastmod>2025-11-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/registration</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness</loc>		<lastmod>2026-03-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/absenceadvisor/podcast</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceashare</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagefeenyav</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/havebetterclientconversations/protectors</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-1-2-3-4-5-6-7-8-9-10-11-12</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/value-of-life-insurance</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/LincolnPartnersGroupRoyaltyFund</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/disabilityinsuranceresources/form/confirmation</loc>		<lastmod>2025-02-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/proadvisorychoice</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-and-Bain-Capital-announce-closing-of-equity-capital-raise-and-launch-of-long-term-strategic-partnership</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions</loc>		<lastmod>2026-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestmentsolutions</loc>		<lastmod>2023-06-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul2009performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/access</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuloneny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagebsharenyav</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnpreservationedgesvulny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/financialwellness/womenfinancialtips</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/4q2021earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/WomensHistoryMonth</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/kbwinsuranceconference2022</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/annuities101/addprotectedincome</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/FIAvisualizer</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/AssetEdge-VUL-and-SVUL</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvulone2007ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacydesign2</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/actionplan</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/bclass</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceseriesbshareny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/newjersey</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/preparefortheunexpected</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/form</loc>		<lastmod>2025-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/peoplelikeme/meetmeg</loc>		<lastmod>2026-01-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/financialwellness/emergencyfund</loc>		<lastmod>2025-02-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/series-c-and-series-d-preferred-stock-dividends</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/DALBAR</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/georgewhenderson</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-groups-allison-green-johnson-named-to-savoy-magazine-most-influential-executives-in-diversity-inclusion-list-for-2023</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/lifeclaimlearningcenter</loc>		<lastmod>2025-03-11</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/retirees</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/celebrityestateblunders</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv3ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/LincolnPartnersGroupRoyaltyFund/fundmaterials</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/cingnalifeaccruva</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyshareholderadvantagefeebasedny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/lincable-participants-share-takeaways-from-program</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/market-intel-exchange</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusadvisoryny</loc>		<lastmod>2025-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldb2</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/discoverhowcashvaluehasvalue</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/3q2025earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/wellsfargonewdirectionsaccess</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/lifeinsurance</loc>		<lastmod>2026-03-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/understandingyouroptionsforeducationalfunding</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/startasking4</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/threestrategiestoencouragelongtermconfidence</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/retirewell/retireedistributionoptions</loc>		<lastmod>2025-02-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors/strengthenyourpractice</loc>		<lastmod>2025-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/lincolnfinancialfoundation/grantguidelines</loc>		<lastmod>2025-05-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/reasonstostayfocusedafterapresidentialelection</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-communicators-receive-2021-top-women-in-communications-recognition-from-ragan</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvul4</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/secureact</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/studentandrecentgrads/lincolnpreparationprogram</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/investwisely/researchyourinvestments</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/celebrateltcawarenessmonth</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/CaliforniaInsuranceDiversityIndex</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/talkcaregivingwithclients</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/takelongtermcareawarenessmonthpersonally</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privacy/employees</loc>		<lastmod>2025-10-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-Mourns-the-Death-of-Board-Member-Michael-F-Mee</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productandinsights/stablevalueinvestmentonly/contactform</loc>		<lastmod>2025-07-29</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/jamesreid</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/support/findafinancialprofessional</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/series-d-preferred-stock-dividend-20251031</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-reports-first-quarter-2023-results</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/puertorico</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/aetnavestep2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/whylincoln</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolncpassuranceaclassbefore</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-network-recognized-for-creating-financial-education-and-career-opportunities-for-philadelphia-students-while-helping-increase-diversity-in-financial-industry</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/consentforelectronictransmissions</loc>		<lastmod>2025-11-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegassetedgevul2009</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/longdurationtargetedimprovements</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NLCV5</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lincolnfinancialinvestments/privatemarketfunds</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Q1-Market-Intel-Exchange-2025</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/retirement</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/seanwoodroffe</loc>		<lastmod>2026-01-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-preferred-stock-dividend</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/managedaccountservices</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions</loc>		<lastmod>2025-08-21</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/dennisrglass</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/garyckelly</loc>		<lastmod>2025-03-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/design</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/benefitsofafinancialwellnessprogram</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/hawaii</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/advancement-of-ltc-planning</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-announces-agreement-with-Fox-Sports</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardmarketadvantageFL</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/wellnesspathmarketplace/studentloansolutions</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/whylincoln</loc>		<lastmod>2025-11-21</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/targetdateincome</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/therevisedsecureactaffectseveryone</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/OpportunityKnocks</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employeebenefitsoverview/productspotlight</loc>		<lastmod>2025-07-29</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/affluentinvestors</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/youngprofessionalsCA</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-rodney-kuntz-vice-president-group-benefits-small-business-sales-and-channel-development</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/support/unclaimedproperty/customerinformationrequrested</loc>		<lastmod>2022-01-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/studentandrecentgrads/actuarialdevelopmentprogram</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-rings-the-closing-bell</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/howtoprepareforahealthcrisis</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagecshareny</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/newsandblog/habitsofhighlyeffectiveadvisors</loc>		<lastmod>2025-08-13</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/opportunityfavorsthetaxprepared</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/patrickspittard</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedannuities</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/wealthmanagementservices</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/bankofamerica2022</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Stacy-Brown-Scholarship-2024</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/annuities101/provideforyourlovedones</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/shareholdersmeeting2024</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/deirdreconnelly</loc>		<lastmod>2025-04-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/whatweoffer</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/protectedpay</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/retirementresetfromcrisistoconfidence</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/corporateresponsibility/esg-data-center</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/revamped-moneyguard-product</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/FIAs-make-the-difference</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/connecticutgeneralaccruva</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources/ltcclaimlearningcenter/iclaimprocess</loc>		<lastmod>2024-07-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-network-honors-rdk-advisors-for-client-service-excellence</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/financialfirstresponder</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/marketinsights/subscribe/confirmation</loc>		<lastmod>2025-11-21</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-to-report-first-quarter-earnings-1-2-3-4-5-6-7-8-9-10-11-12</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/yourtomorrowourpriority</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/mleannelachman</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/1q2023earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusrollover</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/financialwellness/managingdebt</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/actionplan/richroll</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvulone2019performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/aetnavest2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Lincoln-named-Top-Annuity-Illustration-provider</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusdesign3</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-series-c-and-series-d-preferred-stock-dividends-1</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/in-this-together-corporate-social-responsibility-at-lincoln-financial-group-focuses-on-measurable-and-long-term-positive-changes</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/confirmation</loc>		<lastmod>2025-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/corporateresponsibility/volunteerism</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/youngprofessionals</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/retirewell/understandingsocialsecurity</loc>		<lastmod>2026-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/financialstrength</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/DY02</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/wellsfargonewdirectionscore</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources/ltcclaimlearningcenter</loc>		<lastmod>2025-08-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/twofactorauthenticationtermsandconditions</loc>		<lastmod>2025-11-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/3q2024earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/the-grass-isnt-always-greener-boomerang-hiring-success-story</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/williamhcunningham</loc>		<lastmod>2025-04-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/employeebenefitsresources</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/theswissarmyknivesoffinancialtools</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/lincolnisamemberofthealliance</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourstrategy/diversityinclusion/ourcommitment/avalueastrategy</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/healthsavingssolutions</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/AFPQ</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness/coliboli</loc>		<lastmod>2025-12-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/G002A</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/getstarted</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantageclassria</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceasharefeebasedbefore2017ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/lincolnflexadvantageincomefixedindexedannuity</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-named-most-responsible-2026</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegsvul4ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-20240822</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/RPS-expands-reach-in-the-market</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/shareholderresources/analystscoverage</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/uncertainty</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/group401ksolutions</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Financial-Wellness-Month-2025</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2q2024earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/workwithafinancialprofessional</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldb2ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/LincolnFinancialAnnouncesNewBrand</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegsvul4</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/LTCAM</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/backtoschoolbudgetincheck</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardIII</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/resources</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/historyandtimeline</loc>		<lastmod>2025-09-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/reinsurancetransactionwithresolutionlife</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/findafinancialprofessional</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/shareholderresources/currentstockprice</loc>		<lastmod>2025-06-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/thefixedincomedilemma</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/fundstrust</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacydesign2ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/testredirectdisclaimermodal</loc>		<lastmod>2025-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/learnthebasics</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/cashconundrum</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/strengthandstability</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/targetdatefunds</loc>		<lastmod>2026-01-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/financialsideofdivorce</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/20250131-release-test-page</loc>		<lastmod>2025-02-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/globalinterestinuslife</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg3viewbefore2011ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/DALBAR-seventh-straight-year</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/AFPQproducttestpage</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/christopherneczypor</loc>		<lastmod>2025-11-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources/ltcclaimlearningcenter/faqs</loc>		<lastmod>2025-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/awardsandrecognition</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyseriesbshareny</loc>		<lastmod>2025-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/series-d-preferred-stock-quarterly-dividend-20250501</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/4q2024earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/katherinephillips</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/PPVUL_DC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/media-advisory-lincoln-financial-group-hosts-pep-rally-to-celebrate-philadelphia-eagles-as-2022-nfc-east-champions</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2007ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/strategizingforsocialsecurity</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/shareholderresources</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/financialwellness</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/tax-day-2024</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedannuities/lincolndeferredincomesolutionsannuity</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness/splitdollarplan</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/corporateresponsibility/codelinc</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/whylincoln/financialstrengthandstability</loc>		<lastmod>2026-03-13</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/secureact</loc>		<lastmod>2025-12-19</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/rbccapital2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Q3-Market-Intel-Exchange-2025</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NLCV4SC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusfusionny</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/universallife/lincolnlifeguaranteesul2019</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensembleprotectorvul</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/consumer-concern</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights/benefitsofcustomtargetdatefunds</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg3plus</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/workwithafinancialprofessional/questionstoask</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/kennethssolon</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/lifeclaimlearningcenter/iclaimprocess</loc>		<lastmod>2025-03-11</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacycshareny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employeebenefitsoverview/supplementalhealthinsurance</loc>		<lastmod>2026-03-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/guidancehub/covid-19</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/3wayssmallbusinessescanattractandretainemployees</loc>		<lastmod>2025-04-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/electionyearchanges</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/corporateresponsibility</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging/ourcommitment/thepledge</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceasharefeebasedny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lincolnfinancialinvestments/insights</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCCPPVUL_DC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/SA0052</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2025performance</loc>		<lastmod>2025-02-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Worlds-Most-Ethical-Companies-2025</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/havebetterclientconversations</loc>		<lastmod>2025-07-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/lincolnoptiblendfixedindexedannuity</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/forms/confirmation</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensembleexec2006vul</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2021/lincolnvulone2021p</loc>		<lastmod>2023-06-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardfixedadvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-earns-eighth-consecutive-100-score-on-disability-equality-index</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/commercialrealestate</loc>		<lastmod>2024-09-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/SAQ000</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/notcurrentlyavailableforyourstate</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Americas-most-responsible-companies</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/retirewell/preretireechecklist</loc>		<lastmod>2025-02-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources</loc>		<lastmod>2025-11-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/connellycaseupdate</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/bankofamerica2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/advisorychoice</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/alphaandalphaflex</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/action-plan</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/aleglife</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/3waystosavetimeasasmallbusinessowner</loc>		<lastmod>2025-04-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/retirementsToughestTradeoff</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Habitat-for-Humanity-home</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors/clientneeds</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnpreservationedgesvulperformance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/howtotalkaboutannuities/giving</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/preretireesCA</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/helpprotectamerica</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/cantheroaringtwentiescontinue</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/protectagainstsequenceofreturnrisk</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/createafinancialplan</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/helping-protect-all-america-reaching-underserved-communities-with-message-about-life-insurance</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/thevalueofdollarcostaveraging</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/indexlinkedannuities/leveladvantage2</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegsa</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/workwithafinancialprofessional/meetourteam</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/personalizedservice</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/disabilityresources</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/optionalfeatures/lincolnlifetimeincomeadvantage2</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusdesign2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/teachbudgetingtoyourcollegeagechild</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul2019performance</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/lincolnfinancialnetwork/aboutlincolnfinancialnetwork/joinlincolnfinancialnetwork/confirmation</loc>		<lastmod>2022-01-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-heather-deichler-as-head-group-benefit-product-and-underwriting</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/ericgjohnson</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/professionalresources/retirementplan</loc>		<lastmod>2022-01-29</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-included-in-2023-bloomberg-gender-equality-index</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvulone2016performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyadvisoryny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-appoints-christopher-neczypor-chief-financial-officer</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/familyofcompanies</loc>		<lastmod>2026-03-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/navigatingVolatility</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/healthcare</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/advancedplanning</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-sean-n-woodroffe-chief-people-culture-and-communications-officer</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/secure2simplifyingcomplexity</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyshareholderadvantage</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/new-year-resolutions</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/beneficiarychanges</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCEVUL</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/retirementplanresources</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/bringsomelifetothefamilyfarm</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvulone2013performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Mansfieldrule</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/D002</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/conciergecarecoordination</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/LIAM-2025</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagefeeav</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-appoints-Nilanjan-Adhya-EVP-Chief-AI</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusdesign1</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/companydirectory</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/privacy/onlineprivacypolicy</loc>		<lastmod>2026-02-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/ownershipandassignmentchanges</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/3wayssmallbusinessescanmakebenefitsanadvantage</loc>		<lastmod>2025-04-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/gettingmarried</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/loansandwithdrawals</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/suppliers</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV4LCM</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Insights-from-everyday-Americans-illuminate-a-path-to-financial-security</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardmarketadvantage/performance</loc>		<lastmod>2023-06-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-named-one-worlds-most-ethical-companies-by-ethisphere-for-second-consecutive-year</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/select</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/annuitiesarentjustforretirees</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/thebabyboomerboom</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-and-bpas-announce-partnership-to-deliver-integrated-defined-benefit-plan</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2020performance</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2015nyperformance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/alegsafeebasedbefore2017ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulflex</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/ltcplanningbenefitsclientsandtheirfamilies</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg3bclass</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/lynnutter</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/lincolncorecapitalfixedindexedannuity</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/accelerategrowthbyembracingchange</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/lincolncoreincome/productperformance</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/caraghfahy</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors/clientneeds/navigatingthemarket</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/cybersecurity/asharedresponsibility</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-appoints-Gotham-Majumdar</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/randaljfreitag</loc>		<lastmod>2025-09-30</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/lookatlifeinsurancedifferently</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/taxesandportfolios</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources</loc>		<lastmod>2026-01-13</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/beyondthepension</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/smallbusiness</loc>		<lastmod>2025-06-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Kuckreja-Divisional-CIO</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/eannuity</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/bshare</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/itpaystoprotectwithannuities</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/complianceupdates</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyserieslshareny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/lincolninthenews</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceprime</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/traininganddevelopment</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Series-D-preferred-stock-dividend</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/wealthtransferandestateplanning</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/meps</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvul1</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources/ltcclaimlearningcenter/lincolnconciergecare</loc>		<lastmod>2025-08-13</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights/americansfinancialreportcard</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employeebenefitsoverview/whatweoffer</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employeebenefitsoverview/whylincoln</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/lincolninvestoradvantageriana</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/LincolnFinancialGroupNamedOneofAmericasBestEmployersforDiversity2024</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/americans-underestimate-the-risk-of-long-term-care-expenses-to-their-retirement-savings-according-to-lincoln-financial-group-research</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantageprocshareav</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/National-Small-Business-Week</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyshareholderadvantageaclass</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources/annuityclaimlearningcenter/deathnotificationform/confirmation</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/wellsfargo2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/PPVUL_BOLI</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceaclassny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCVUL</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolncpassuranceasharebefore</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/HGS_TestPage_01252026</loc>		<lastmod>2026-01-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul2015performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/keypersoninsurance</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/LincolnFinancialGroupteamsupwithstarquarterbackJalenHurts</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv3</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/lfipmftest</loc>		<lastmod>2025-09-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LPPPVUL_DC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/employeebenefits/peoplelikeme/meetjake</loc>		<lastmod>2026-01-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/pandemicresources</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvulone2021performance</loc>		<lastmod>2023-06-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights/participantsandcybersecurity</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/wordsthatwork</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/workplacesolutions</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/easytousetechnology</loc>		<lastmod>2025-11-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-groups-amy-ponticello-receives-rising-star-30-and-under-award-from-the-pr-news-group</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/4q2022earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/LincolnFinancialGroupsphilanthropiceffortsawardedbyCivic50GreaterPhiladelphiaforthethirdconsecutiveyear</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/connecticut</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/marketinsights</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Legends-in-Law</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/podcast</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplussignature1</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2015performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Indiana-Century-Award-2024</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productandinsights/stablevalueinvestmentonly</loc>		<lastmod>2025-11-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2005</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolnvariableinsuranceproductstrust</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagefeebasedny</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-WealthProtector-IUL</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/marketvolatility</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus2bonusny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyseriescshareny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/investwisely/sixreasonsyoushouldconsiderafinancialprofessional</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/product-expansion</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/groupretirementplans</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/lincolnfinancialfoundation/lincolnslegacy</loc>		<lastmod>2025-01-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/NCVULS3ESC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-andrew-d-rallis-chief-risk-officer</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyviewny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/leveladvantage/advisory</loc>		<lastmod>2025-09-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-and-Bain-Capital-launch-new-private-market-fund</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardmarketadvantageCA</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/annuityresources/annuityclaimlearningcenter/faqs</loc>		<lastmod>2025-11-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/stablevaluesolutions</loc>		<lastmod>2026-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/partnerwithus/overviewofproducts</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/coveredchoice5IIfixedindexannuity</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/VULprospectus</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-offers-faster-route-from-planning-to-protection-with-new-fully-automated-life-product-1</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV5M</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/careers/lifeatlincoln</loc>		<lastmod>2025-07-01</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/LTPTemployees</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvuldb4</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/annuity-awareness-month</loc>		<lastmod>2026-04-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/StacyBrownscholarship</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/createafinancialplan/provideafinanciallegacy</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/lifeclaimlearningcenter/claimpaymentoptions</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/lifebeyonddeathbenefits</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/support/unclaimedproperty</loc>		<lastmod>2025-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyserieslshare</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/thezenofinvesting</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyview</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceasharefeebased</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/a-touchdown-partnership-lincoln-financial-marks-20-years-lincoln-financial-field-and-partnership-with-philadelphia-eagles</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCVULLC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedannuities/i4lifeindexedadvantage</loc>		<lastmod>2026-02-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/stayingthecoursethroughchoppywaters</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/billpayment</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-network-welcomes-pair-heritage-financial-consultants-financial-professionals</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvul2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensembleexecvul</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/managedaccountservices</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2010</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul2020performance</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/2025annualmeetingofshareholders</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/retirewell</loc>		<lastmod>2026-02-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/DowJonesSustainability</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/premiumfinancing</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-1-2-3-4-5-6-7-8-9-10-11-12-13</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/stanleyrobbins</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-enhances-retail-solutions-leadership-team-to-strengthen-alignment-collaboration-across-life-and-annuity-businesses</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/corporate</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/SAL0LL</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/FlexPEP</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/cybersecurity/securityform</loc>		<lastmod>2025-10-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Minority-Corporate-Counsel-Association-bronze-seal</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/havebetterclientconversations/union</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/ourcommunity</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/thepowerfulbenefitsofbeneficiaryreviews2022</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/davidlayo</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/maine</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/beyondprotection</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/theblendedfamilyestate</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/decipheringasecureactpuzzlewithinheritediras</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/whylincoln/distributionnetworkandsalessupport</loc>		<lastmod>2025-02-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness/keypersoncoverage</loc>		<lastmod>2025-12-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/howwehelpyougrow</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lvipprospectusreports</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/G002</loc>		<lastmod>2025-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/vermont</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Financial-appoints-CTO</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplussignature2</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/successstories</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/resourcesforyou</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-named-to-newsweeks-list-of-most-trustworthy-companies</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourimpact/lincolnfinancialfield</loc>		<lastmod>2026-01-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-Level-Advantage-2</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/virginia</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/sixpointchecklist</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/professionalresources</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacysignature1</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/emotionalinvesting</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/1q2025earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancecshare</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/kelbyedwards</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/targetdatefunds</loc>		<lastmod>2026-01-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/goldmansachsusfinancial2022</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensemblesvul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/howsmallbusinessownerscanfosteremployeewell-being</loc>		<lastmod>2025-04-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/karenderose</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/lincolnnewdirectionsfixedindexannuity</loc>		<lastmod>2021-11-19</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-20240523</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/new-lincoln-financial-group-study-reports-one-in-three-americans-struggles-financially-but-goal-setting-is-game-changer</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincolnfinancialgroupenhancesitsfixedindexedannuitieswithinnovativecreditingstrategies</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyseriesbsharebefore02182025ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-shares-three-actions-consumers-can-take-now-to-prioritize-protection-during-life-insurance-awareness-month</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/lincolnsvul2elite</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegassetedgevul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulflexny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvul2eliteny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCCVUL</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/longtermcareresources/ltcclaimlearningcenter/form/confirmation</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/longtermcareca</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/whylincoln/businessbuildingtools</loc>		<lastmod>2025-02-28</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/aetnavestplus</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/economicbenefitinformation</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lifegoals</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardIINY</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/studentloanbenefits</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/investwisely/managemarketvolatility</loc>		<lastmod>2025-08-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/massachusetts</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/taxchangesandsolutions</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolncpassuranceasharefeebased</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplus</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancelsharebefore2011</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-congratulates-philadelphia-eagles-on-nfc-championship-win</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2019p</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/4q2025earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/studentloans</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Financial-wellness</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/lincolncoreincomeny/productperformance</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/craigtbeazer</loc>		<lastmod>2026-03-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulcv4ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/retirementindustryinsights/personalizedfinancialwellnesstoolsuccess</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvul4ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/beingconnected</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/partnerwithus</loc>		<lastmod>2025-11-04</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-named-to-dow-jones-sustainability-index-for-seventh-consecutive-year</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/ourvalues/inclusionandbelonging/ourcommitment</loc>		<lastmod>2025-05-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-to-hold-annual-meeting-shareholders-on-may-25-2023</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/planning/calculatorsandtools</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardmarketadvantage2024/performance</loc>		<lastmod>2024-05-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/stevenrosenstock</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantageprofeebased</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceprimeny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation/annualfilings</loc>		<lastmod>2025-06-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/2023-Black-Leadership-Award-winners</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacyshareholderadvantagefeebased</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/financialwellnesssolutions</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/partners-in-philanthropy</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagebshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/DJSI-nineth-year-in-a-row</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolnamericanlegacytetirementgroupvariableannuity</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-to-report-third-quarter-earnings-1-2-3-4-5-6-7-8-9-10-11-12</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialdistributors</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/lincolnfinancialinvestments/contactus/confirmation</loc>		<lastmod>2025-09-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCV4SC</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/whytalkaboutannuities</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/operationalconsiderationsfor2024</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/3q2021earnings</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Lincoln-New-FIA-Income-Solutions</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/asuccessionplanningstory</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities/coveredchoicefixedindexannuity</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/estatelock</loc>		<lastmod>2026-02-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/wellnesssolutions/wellnesspathmarketplace/emergencysavingssolutions</loc>		<lastmod>2025-04-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusbonus</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/fixed-indexed-annuities-with-new-cap-lock-20250818</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul2015ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/innovativesolutions/healthsavingssolutions</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceseriescshareny</loc>		<lastmod>2024-10-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/takingcareoffinances</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/businessresiliency</loc>		<lastmod>2025-11-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/shareholderresources/historicalstockprices</loc>		<lastmod>2025-06-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/tdibshare</loc>		<lastmod>2024-10-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/fundingcollege</loc>		<lastmod>2026-03-24</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvulny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceseriescshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgeexecvul2020</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/scottlopresti</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/annuities/newsandblog</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvulone2007</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/aleg3bclassny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/taxadvantedsolutions</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/jalenhurts</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/legal/usapatriotactcustomeridentificationprocedures</loc>		<lastmod>2026-01-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/LCVULS3ESJ</loc>		<lastmod>2023-07-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/jennifercharters</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thebigpictureadvisor/reflectresoluteresponse</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceserieslshare</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/lincoln-financial-group-recognized-for-excellence-in-employee-development-and-leadership-programs</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/fileaclaimtool</loc>		<lastmod>2024-08-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/autofeatures</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lincolnfinancialinvestments</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/secure2dcplans</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/stories/Financial-literacy-empowers-Americans</loc>		<lastmod>2026-04-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/RPSformtestpage</loc>		<lastmod>2023-03-29</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/optionalfeatures/4laterselectadvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/minnesota</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/professionalresources/lincolnaffiliates</loc>		<lastmod>2025-04-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-national-corporations-board-directors-declares-quarterly-cash-dividend-20251113</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/alegvul</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/retirementindustryinsights/newresearchincreaseinsettinggoals</loc>		<lastmod>2025-12-08</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/Eagles-win-NFC-Championship</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/delaware</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts/barclaysglobalfinancialconference2021</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-appoints-christen-white-as-new-head-group-benefit-claims</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/webinarseries</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employeebenefitsoverview</loc>		<lastmod>2026-03-17</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnensemblevul3</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassurancebclassny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/video_callout_test_page_landing_page</loc>		<lastmod>2025-11-22</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/choiceplusadvantage/lincolnchoiceplusassuranceaclassbefore2010ny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/products/employerretirementplans/whatweoffer/innovativesolutions/investmentperformance/lincolndirectorgroupvariableannuity</loc>		<lastmod>2025-11-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2022</loc>		<lastmod>2026-03-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/havingababy</loc>		<lastmod>2026-03-27</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/blogs/keyemployees</loc>		<lastmod>2026-03-18</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/series-c-series-d-preferred-stock-dividends-20260130</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/startasking2</loc>		<lastmod>2026-03-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnsvul3eliteny</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/johnmorriss</loc>		<lastmod>2025-12-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/brian-kroll-evp-retail-life-annuity-solutions</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnassetedgevul2009performance</loc>		<lastmod>2023-06-03</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/individuallifeinsurance/growyourbusiness/solutionsforbusiness/buysellagreements</loc>		<lastmod>2026-01-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/americanlegacysignature1before02182025ny</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals</loc>		<lastmod>2026-04-07</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/eventsandwebcasts</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/customerservice/lifeinsuranceresources/lifeclaimlearningcenter/faqs</loc>		<lastmod>2026-01-22</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/financialwellness/createabudget</loc>		<lastmod>2025-04-15</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/whentoplan/preretirees</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/lincoln-financial-group-names-vince-garzarella-senior-vice-president-retirement-plan-services-operations</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardmarketadvantage2024</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/long-term-care-concerns</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/support/findafinancialprofessional/privatemarketfunds</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/americanlegacy/alegsafeebasedbefore2017</loc>		<lastmod>2025-04-14</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/pandemicresources/annuities</loc>		<lastmod>2024-08-12</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/workplaceplan/lifeevents/5tipsforchangingjobs</loc>		<lastmod>2026-03-23</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/startasking3</loc>		<lastmod>2026-02-20</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/newsroom/pressreleases/1q2024earningsannouncement</loc>		<lastmod>2026-04-02</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/smallbusiness/makebenefitsatalentretentionmultiplier</loc>		<lastmod>2025-04-25</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagebshareny</loc>		<lastmod>2025-05-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/financialinformation/statutorystatements</loc>		<lastmod>2026-03-09</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans/whatweoffer/consultantrelationshipmanagerteamwork</loc>		<lastmod>2025-09-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/employers/insights/absenceadvisor/paidfamilyleave/oregon</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/investorrelations/shareholderresources/stockdividendhistory</loc>		<lastmod>2026-02-26</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/longtermcareplanning/moneyguardsolutions/moneyguardII</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/partnerwithus/lincolnfinancialnetwork/thenetworkeffect/robertkinnally</loc>		<lastmod>2024-10-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/lincolnvuldb</loc>		<lastmod>2024-06-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/VAprospectus</loc>		<lastmod>2026-01-06</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/general/registration2</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/professionals/productsandinsights/employerretirementplans</loc>		<lastmod>2026-03-05</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/annuities/variableannuities/investoradvantage/lincolninvestoradvantagecshare</loc>		<lastmod>2025-06-16</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/individuals/products/lifeinsurance/permanentlife/variableuniversallife/executivebenefitsproducts</loc>		<lastmod>2024-12-10</lastmod>		<changefreq>monthly</changefreq>	</url>	<url>		<loc>https://www.lincolnfinancial.com/public/aboutus/companyoverview/whoweare/leadership/briankroll</loc>		<lastmod>2025-10-31</lastmod>		<changefreq>monthly</changefreq>	</url>
</urlset>