Liang Janet

SEC source: 0001568651-26-000070 · wk-form4_1788898925.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 248,697

F1 · shares: The sale was effected pursuant to a Rule 10b5-1 instruction letter entered into on August 8, 2025 to satisfy the Reporting Person's tax withholding obligation upon the vesting of previously granted equity awards.

F2 · price: The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $30.97 to $31.96, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected.

F3 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001888381-26-000004 · wk-form4_1780604170.xml · nonDerivative · entry 2

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 259,057

F1 · shares: The sale was effected pursuant to a Rule 10b5-1 instruction letter entered into on August 8, 2025 to satisfy the Reporting Person's tax withholding obligation upon the vesting of previously granted equity awards.

F4 · price: The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $22.03 to $22.96, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected.

F3 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001888381-26-000004 · wk-form4_1780604170.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 262,592

F1 · shares: The sale was effected pursuant to a Rule 10b5-1 instruction letter entered into on August 8, 2025 to satisfy the Reporting Person's tax withholding obligation upon the vesting of previously granted equity awards.

F2 · price: The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $21.03 to $22.02, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected.

F3 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001568651-26-000027 · wk-form4_1772659417.xml · nonDerivative · entry 2

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 271,532

F3 · shares: The sale was effected pursuant to a Rule 10b5-1 instruction letter entered into on August 8, 2025 to satisfy the Reporting Person's tax withholding obligation upon the vesting of previously granted equity awards.

F4 · price: The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $13.00 to $13.85, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected.

SEC source: 0001568651-26-000027 · wk-form4_1772659417.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 278,985

F1 · shares: The shares represent restricted stock units, which will vest quarterly in 12 equal installments beginning on June 1, 2026, subject to the reporting person's continuous service through each vesting date.

F2 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001888381-25-000006 · primarydocument.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: Plan reported

Ownership: Direct

Disclosed balance after: 172,527

F1 · shares: The sale was effected pursuant to a Rule 10b5-1 instruction letter entered into on August 8, 2025 to satisfy the Reporting Person's tax withholding obligation upon the vesting of previously granted equity awards.

F2 · price: The price reported in Column 4 is a weighted average price. These shares were sold in multiple transactions at prices ranging from $16.37 to $16.78, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price at which the transactions were effected.

SEC source: 0001888381-25-000004 · primarydocument.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 179,865

F1 · shares: Reflects shares of Class A common stock withheld by the Issuer to satisfy tax withholding obligations incident to vesting of restricted stock units("RSUs").

F2 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001562180-25-004437 · primarydocument.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 187,168

F1 · shares: Reflects shares of Class A common stock withheld by the Issuer to satisfy tax withholding obligations incident to vesting of restricted stock units("RSUs").

F2 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001562180-25-002212 · primarydocument.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 194,364

F1 · shares: The shares represent restricted stock units, which will vest quarterly in 12 equal installments beginning on June 1, 2025, subject to the reporting person's continuous service through each vesting date.

F2 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001562180-25-001678 · primarydocument.xml · derivative · entry 2

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 147,637

Underlying: Class A Common Stock · 147,637 shares

Expires 2035-02-24

F3 · derivative.exercise_date: The options will vest quarterly in 16 equal installments beginning on June 1, 2025, subject to the reporting persons continuous service through each vesting date.

SEC source: 0001562180-25-001678 · primarydocument.xml · nonDerivative · entry 1

Liang Janet · CIK 0001888381 · President, Oscar Insurance

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 97,402

F1 · shares: The shares represent restricted stock units, which will vest quarterly in 16 equal installments beginning on June 1, 2025, subject to the reporting persons continuous service through each vesting date.

F2 · balance_after: Includes shares to be issued in connection with the vesting of one or more restricted stock units.

SEC source: 0001214659-25-000052 · marketforms-67596.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 29,222.17

Underlying: Common Stock · 2,286.35 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 356.82 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-24-017043 · marketforms-66939.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 26,579.01

Underlying: Common Stock · 2,300.86 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 316.67 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-24-011753 · marketforms-66271.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 23,961.48

Underlying: Common Stock · 2,331.19 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 345.90 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-24-005871 · marketforms-65295.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 21,284.39

Underlying: Common Stock · 2,270.59 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 317.01 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-24-000171 · marketforms-63795.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 18,696.79

Underlying: Common Stock · 2,549.13 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 331.95 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-23-013073 · marketforms-62637.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 15,815.71

Underlying: Common Stock · 2,784.53 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 204.18 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-23-009233 · marketforms-61777.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 12,827

Underlying: Common Stock · 2,668.87 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 206.56 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-23-004892 · marketforms-59889.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: No plan indicated

Ownership: Direct

Disclosed balance after: 9,951.57

Underlying: Common Stock · 3,059.64 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 88.81 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-23-000142 · marketforms-57742.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: Not disclosed

Ownership: Direct

Disclosed balance after: 6,803.12

Underlying: Common Stock · 2,237.96 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 37.76 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-22-011963 · marketforms-57162.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: Not disclosed

Ownership: Direct

Disclosed balance after: 4,527.41

Underlying: Common Stock · 1,565.7 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 25.95 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-22-008607 · marketforms-56526.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: Not disclosed

Ownership: Direct

Disclosed balance after: 2,935.75

Underlying: Common Stock · 1,469.96 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 10.71 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-22-004781 · marketforms-55874.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: Not disclosed

Ownership: Direct

Disclosed balance after: 1,455.08

Underlying: Common Stock · 1,051.87 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F3 · balance_after: Includes 2.53 shares acquired through dividend reinvestment since the reporting person's last report.

SEC source: 0001214659-22-000227 · marketforms-54740.xml · derivative · entry 1

Liang Janet · CIK 0001888381 · Director

10b5-1 filing: Not disclosed

Ownership: Direct

Disclosed balance after: 400.68

Underlying: Common Stock · 400.68 shares

Expires not disclosed

F1 · derivative.exercise_price: Each Phantom Stock unit is the equivalent of one share of LNC Common Stock.

F2 · derivative.exercise_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.

F2 · derivative.expiration_date: Quarterly payment of board retainer and fees in shares of phantom stock accrued under the Deferred Compensation Plan for Non-Employee Directors (the "Plan"), which are payable solely in shares of the Company's common stock at resignation or retirement. The reporting person may transfer his/her Phantom Stock account into an alternative investment account at any time.