THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Lincoln Life Variable Annuity Account N

ChoicePlus^SM Signature

Supplement dated _______, 2022 to the prospectus dated May 1, 2022

This supplement to the prospectus for your individual variable annuity contract describes the Lincoln ProtectedPay^SM lifetime income suite, available for purchase beginning ________, 2022 (subject to state approval). This supplement is for informational purposes and requires no action on your part.

OVERVIEW

Lincoln ProtectedPay^SM is a suite of optional riders that provide accumulation through:

•	Guaranteed lifetime periodic withdrawals for you (and your spouse if the joint life option is selected) up to the Protected Annual Income amount which is based upon a Protected Income Base;

•	An Enhancement amount added to the Protected Income Base if certain criteria are met, as set forth below;

•	Account Value Step-ups of the Protected Income Base to the Contract Value if the Contract Value is equal to or greater than the Protected Income Base after the Enhancement; and

•	Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up).

The rider suite provides flexible investment and income choices to meet your individual needs by offering six different options, which are described later in detail.

Lincoln ProtectedPay^SM is available for election on all new and existing nonqualified and qualified (IRAs and Roth IRAs) annuity contracts. The Contractowner/Annuitant as well as the spouse under the joint life option must be age 85 or younger at the time the rider is elected. The initial Purchase Payment or Contract Value (if elected after the contract is issued) must be at least $25,000. Rider elections are subject to Home Office approval if your Contract Value totals $2 million or more.

If you purchase a Lincoln ProtectedPay^SMrider, you will be required to adhere to Investment Requirements, which will limit your ability to invest in certain Subaccounts offered in your Contract. Certain rider options have more restrictive Investment Requirements than others. In addition, the fixed account is not available except for use with dollar cost averaging.

DESCRIPTION OF CHANGES

The following discussion describes changes that are incorporated into the specified sections of your prospectus.

Special Terms – The following term is added to the Special Terms section:

Enhancement Value: A value to which the Protected Income Base will increase, subject to certain conditions and limitations.

Important Information About Your Contract – The following line item replaces the current line item on the Minimum and Maximum Annual Fee Table:

	Minimum	Maximum
Optional benefits available for an additional charge (for a single optional benefit, if elected)	0.40%	2.75%

Fee Tables – Annual Contract Expenses. The following entry is added to the Annual Contract Expenses Table under Optional Benefit Expenses:

	Single Life	Joint Life
Lincoln ProtectedPay^SM ^*
Guaranteed Maximum Annual Charge ………………………………	2.75%	2.75%

^*As an annualized percentage of the Protected Income Base, as increased by subsequent Purchase Payments and decreased by Excess Withdrawals This charge is deducted from the Contract Value on a quarterly basis. The current rider charge rate will be less than or equal to the stated maximum charge rate and will be disclosed in a Rate Sheet prospectus supplement.

Fee Tables – Examples. The following Example is added to your prospectus.

The following Example is intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, contract fees, annual contract expenses, and annual fund fees and expenses. The Example has been calculated using the fees and expenses of the funds prior to the application of any contractual waivers and/or reimbursements.

The Example assumes that you invest $100,000 in the contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, the maximum fees and expenses of any of the funds and that the EGMDB Death Benefit and Lincoln ProtectedPay^® at the guaranteed maximum charge are in effect. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

1)	If you surrender your contract at the end of the applicable time period:

	1 year	3 years	5 years	10 years
Signature 1	XX	XX	XX	XX
Signature 2	XX	XX	XX	XX

2)	If you annuitize or do not surrender your contract at the end of the applicable time period:

	1 year	3 years	5 years	10 years
Signature 1	XX	XX	XX	XX
Signature 2	XX	XX	XX	XX

Charges and Other Deductions – The following information is added to the Charges and Other Deductions section of your prospectus.

Protected Lifetime Income Fee - Lincoln ProtectedPay^SM Fee. If you elect a Lincoln ProtectedPay^SM rider, there is a fee associated with the rider for as long as the rider is in effect.

The protected lifetime income fee rate for new rider elections is disclosed in a Rate Sheet prospectus supplement. The Rate Sheet indicates the current rates and the date by which your application or rider election form must be signed and dated for a rider to be issued with those rates. The rates may be superseded at any time in our sole discretion and may be higher or lower than the charge rate on the previous Rate Sheet.

Any change to the protected lifetime income fee rate will be disclosed in a new rate sheet at least ten days before that rate becomes effective. Current Rate Sheets will be included with the prospectus. You can also obtain the most current Rate Sheet by contacting your registered representative, online at www.lfg.com/VAprospectus or by calling us at number listed in your prospectus.

The fee:

•	is based on the Protected Income Base (initial Purchase Payment if purchased at contract issue, or Contract Value at the time of election) as increased for subsequent Purchase Payments, Account Value Step-ups, Enhancements, and as decreased for Excess Withdrawals; and

•	may increase every year upon an Account Value Step-up or annually on the Benefit Year anniversary, after ten years from the rider effective date. (You may opt out of this increase – see details below.)

The charge will be deducted from the Contract Value on a quarterly basis. The first deduction of the charge will occur on the Valuation Date on or next following the three-month anniversary of the rider’s effective date. This deduction will be made in proportion to the value in each Subaccount and the fixed account, if any, on the Valuation Date the rider charge is assessed. The amount we deduct will increase or decrease as the Protected Income Base increases or decreases.

The protected lifetime income fee rate can change each time there is an Account Value Step-up. Since the Account Value Step-up could increase your Protected Income Base every Benefit Year (if all conditions are met), the fee rate could also increase every Benefit Year, but the rate will never exceed the stated guaranteed maximum annual fee rate. If your fee rate is increased, you may opt out of the Account Value Step-up by giving us notice within 30 days after the Benefit Year anniversary if you do not want your rate to change. If you opt out of the step-up, the fee rate and the Protected Income Base will return to the value they were immediately prior to the step-up, adjusted for any additional Purchase Payments or Excess Withdrawals. This opt-out will only apply for this particular Account Value Step-up. You will need to notify us each time the fee rate increases if you want to opt out of subsequent Account Value Step-ups. If you opt out of an Account Value Step-up, you are still eligible for an Enhancement, if applicable, through the end of the Enhancement Period, including in the year you declined the Account Value Step-up.

The protected lifetime income fee rate will increase to the then current rate not to exceed the guaranteed maximum annual fee rate, if after the first Benefit Year anniversary, cumulative Purchase Payments added to the Contract equal or exceed $100,000. You may not opt out of this protected lifetime income fee rate increase.

After ten years from the rider effective date, the protected lifetime income fee rate may increase annually on the Benefit Year anniversary at Lincoln’s sole discretion, up to the stated guaranteed maximum charge rate. You may opt out of this fee rate increase by giving us notice within 30 days after the increase. If you opt out of this fee rate increase, you will no longer be eligible for Account Value Step-ups.

The charge will be discontinued upon termination of the rider. However, a portion of the rider charge, based on the number of days the rider was in effect that quarter, will be deducted upon termination of the rider (except for death), surrender of the contract, or the election of an Annuity Payout option, including i4LIFE^® Advantage. If the Contract Value is reduced to zero, no further charge will be deducted.

Benefits Available Under the Contract. The following entry is added to the Benefits Available Under the Contract table under Optional Benefits – Available for Election.

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/ Limitations
Lincoln ProtectedPay^SM	Provides: •Varying income options. •Guaranteed lifetime periodic withdrawals. •An Enhancement to the Protected Income Base. •Account Value Step-ups of the Protected Income Base. •Age-based increases to the Protected Annual Income amount.	2.75% Single and Joint Life Options (as a percentage of the Protected Income Base)	•Investment Requirements apply. •Excess Withdrawals could significantly reduce or terminate the benefit. •Any withdrawal may negatively impact or eliminate the potential for enhancements or step-ups. •Subject to a $10 million maximum Protected Income Base across all Living Benefit Riders. •Purchase Payments and step-ups may increase fee rate. •Additional Purchase Payments may be limited.

The following section is added to the Benefits Available Under the Contract section of your prospectus, immediately prior to the Lincoln Lifetime Income^SM Advantage (Managed Risk) section.

Lincoln ProtectedPay^SM

Lincoln ProtectedPay^SM is a suite of Living Benefit Riders available for purchase beginning _______, 2022 (subject to state approval), that provides:

●	Guaranteed lifetime periodic withdrawals for you (and your spouse if the joint life option is selected) up to the Protected Annual Income amount which is based upon a guaranteed Protected Income Base;

●	An Enhancement amount added to the Protected Income Base if certain criteria are met, as set forth below;

●	Annual step-ups of the Protected Income Base to the Contract Value if the Contract Value is equal to or greater than the Protected Income Base after an Enhancement;

●	Age-based increases to the Protected Annual Income amount (after reaching a higher age-band and after an Account Value Step-up).

The rider provides flexible investment and income choices to meet your individual needs by offering six different options:

•	Lincoln ProtectedPay Select Core^SM

•	Lincoln ProtectedPay Secure Core^SM

•	Lincoln ProtectedPay Select Plus^SM

•	Lincoln ProtectedPay Secure Plus^SM

•	Lincoln ProtectedPay Select Max^SM

•	Lincoln ProtectedPay Secure Max^SM

In the following discussion, Lincoln ProtectedPay Select Core^SM and Lincoln ProtectedPay Secure Core^SM, together, are referred to as the “Core options.” Lincoln ProtectedPay Select Plus^SM and Lincoln ProtectedPay Secure Plus^SM, together are referred to as the “Plus options.” Lincoln ProtectedPay Select Max^SM, and Lincoln ProtectedPay Secure Max^SM, together, are referred to as the “Max options”.

You should carefully consider which option is the best option for you. Consider the following:

•	The Select options provide more investment choices, but overall, lower income rates.

•	The Secure options provide less investment choice, but overall, higher income rates.

•	The Core options provide level income that does not decrease if the Contract Value reaches $0 and the opportunity to transition to i4LIFE^® Advantage Guaranteed Income Benefit.

•	The Plus options provide higher initial income that decreases if the Contract Value reaches $0.

•	The Max options provide the highest initial income that decreases further than the Plus option if the Contract Value reaches $0.

The income option selected is irrevocable unless you follow the termination guidelines listed below.

Protected Annual Income payments are based upon specified percentages of the Protected Income Base, which are age-based and may increase over time. For the Plus and Max options, your Protected Annual Income payments will be reduced if your Contract Value is reduced to zero. You may receive Protected Annual Income payments for your lifetime or for the lifetimes of you and your spouse if the joint life option is chosen.

Please note any withdrawals made prior to the minimum withdrawal age, as stated on the Rate Sheet, or that exceed the Protected Annual Income amount are considered Excess Withdrawals. In most states, amounts that are payable to any assignee or assignee’s bank account are considered Excess Withdrawals. Excess Withdrawals may significantly reduce your Protected Income Base and Enhancement Base as well as your Protected Annual Income amount by an amount greater than the dollar amount of the Excess Withdrawal and will terminate the rider if the Protected Income Base is reduced to zero. If the Enhancement Base is reduced to zero, you will not be eligible for further Enhancements. Withdrawals will also negatively impact the availability of an Enhancement.

The Contractowner, Annuitant or Secondary Life may not be changed while this rider is in effect (except if the Secondary Life assumes ownership of the contract upon death of the Contractowner), including any sale or assignment of the contract as collateral.

Availability. Lincoln ProtectedPay^SM riders are available for election on all new and existing contracts, subject to approval in your state. If you elect the rider at contract issue, it will be effective on the contract's effective date. If you elect the rider after the contract is issued, the rider will be effective on the next Valuation Date following approval by us. We reserve the right to discontinue offering post-issue elections of this rider at any time upon advanced written notice to you. This means that there is a chance you may not be able to elect it in the future. The initial Purchase Payment or Contract Value (if elected after the contract is issued) must be at least $25,000. Rider elections are subject to Home Office approval if your Contract Value totals $2 million or more.

Lincoln ProtectedPay^SM is available for purchase with nonqualified and qualified (IRAs and Roth IRAs) annuity contracts. The Contractowner/Annuitant as well as the spouse under the joint life option must be age 85 or younger at the time this rider is elected.

Benefit Year. The Benefit Year is the 12-month period starting with the effective date of the rider and starting with each anniversary of the rider effective date after that. If your Benefit Year anniversary falls on a day that the New York Stock Exchange is closed, any benefit calculations scheduled to occur on that anniversary will occur on the next Valuation Date.

Protected Income Base and Enhancement Base. The Protected Income Base is a value used to calculate your Protected Annual Income amount. The initial Protected Income Base varies based on when you elect the rider. If you elect the rider at the time you purchase the Contract, the initial Protected Income Base will equal your initial Purchase Payment. If you elect the rider after we issue the Contract, the initial Protected Income Base will equal the Contract Value on the effective date of the rider. The Protected Income Base is increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by Excess Withdrawals in accordance with the provisions set forth below. The Protected Income Base will be reset on each Benefit Year anniversary to the greater of the current Protected Income Base, the Enhancement Value, or the Account Value Step-up. The maximum Protected Income Base is $10 million, which includes the total guaranteed amounts under the Living Benefit Riders of all Lincoln Life contracts (or contracts issued by our affiliates) in which you (and/or spouse if joint life option) are the covered lives.

The Enhancement Base is the value used to calculate the amount that may be added to the Enhancement Value. The Enhancement Base is equal to the initial Purchase Payment or the Contract Value on the effective date of the rider, increased by subsequent Purchase Payments (according to the timeline outlined below) and decreased by Excess Withdrawals in accordance with the provisions set forth below. The Enhancement Base is not increased by an Enhancement or Account Value Step-up.

The Protected Income Base, Enhancement Value, and the Enhancement Base are not available to you as a lump sum withdrawal or as a Death Benefit.

Additional Purchase Payments received after the rider effective date automatically increase the Protected Income Base, Enhancement Value and the Enhancement Base by the amount of the Purchase Payment (not to exceed the maximum Protected Income Base); for example, a $10,000 additional Purchase Payment will increase the Protected Income Base, Enhancement Value and Enhancement Base by $10,000. Any Purchase Payment will be added immediately to the Protected Income Base and the Enhancement Value and will result in an increased Protected Annual Income amount but must be invested in the contract at least one Benefit Year before it will be added to the Enhancement Base. Any Purchase Payments made within the first 90 days after the effective date of the rider will be included in the Enhancement Base for purposes of calculating the Enhancement on the first Benefit Year anniversary.

After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments will be limited to $50,000 per Benefit Year without Home Office approval. Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including market loss.

Enhancement. We will calculate the Enhancement Value on each Benefit Year anniversary during the Enhancement Period if no withdrawal occurred in that Benefit Year. The Enhancement will occur on a Benefit Year anniversary only if all following conditions are satisfied.

On each Benefit Year anniversary, the Protected Income Base will be the greater of the Contract Value and the Enhancement Value, if:

a.	the Contractowner/Annuitant (as well as the spouse if the joint life option is in effect) is under the age of 86;

b.	there are no withdrawals in the preceding Benefit Year;

c.	the rider is within the Enhancement Period;

d.	the Enhancement Value is greater than the Protected Income Base immediately prior to a Benefit Year anniversary adjustment;

e.	the Enhancement Value is greater than an Account Value Step-up that may have occurred on the same Benefit Year anniversary; and

f.	the Enhancement Base is greater than zero.

The initial Enhancement Value on the first Benefit Year anniversary, assuming no withdrawal occurred in that Benefit Year, is the sum of (A) and ((A multiplied by (B)), where “A” is the Enhancement Base and “B” is the Enhancement Rate. If there is a withdrawal, the Enhancement Value will not increase that year.

On each subsequent rider date anniversary thereafter, assuming no withdrawal occurred in that Benefit Year, the Enhancement Value established on the previous Benefit Year anniversary is increased by an amount equal to the Enhancement Base multiplied by the Enhancement Rate. Excess Withdrawals reduce the Protected Income Base, Enhancement Value and Enhancement Base as discussed below. The reduction to the Protected Income Base, Enhancement Value and the Enhancement Base could be more than the dollar amount of the withdrawal. Withdrawals less than or equal to the Protected Annual Income amount will not reduce the Protected Income Base, Enhancement Value or Enhancement Base.

The current Enhancement rate applicable to new rider elections is determined in our sole discretion based on current economic factors including interest rates and equity market volatility. Generally, the rate may increase or decrease based on changes in equity market volatility, prevailing interest rates, or as a result of other economic conditions. The rate structure is intended to help us provide the guarantees under the rider. The Enhancement rate for new rider elections may be higher or lower than prior rates, but for existing Contractowners that have elected the rider, your rate will not change as a result.

The Enhancement rate applicable to new rider elections is set forth in a supplement to a Rate Sheet prospectus supplement. The Rate Sheet indicates the Enhancement rate and the date by which your application or rider election form must be signed and dated for a rider to be issued with this rate. The rate may be superseded at any time, in our sole discretion, and may be higher or lower than the rate on the previous Rate Sheet.

The effective date of a subsequent Rate Sheet will be at least 10 days after it is filed. In order to get the rate indicated in a Rate Sheet, your application or rider election form must be sent to us and must be signed and dated on or after the effective date of the Rate Sheet. Current Rate Sheets will be included with the prospectus. You can also obtain the most current Rate Sheet by contacting your registered representative, online at www.lfg.com/VAprospectus or by calling us at 1-888-868-2583.

Note: The Enhancement is not available on any Benefit Year anniversary if an Account Value Step-up to the Protected Income Base occurs, or where there has been a withdrawal of Contract Value (including a Protected Annual Income payment) in the preceding Benefit Year. If you are eligible (as defined above) for the Enhancement in the next Benefit Year, the Enhancement will not occur until the Benefit Year anniversary of that year.

The following is an example of the impact of a 6% Enhancement on the Protected Income Base and assumes that no withdrawals have been made.

Initial Purchase Payment = $100,000; Protected Income Base = $100,000; Enhancement Base = $100,000; Enhancement Value = $100,000
Additional Purchase Payment on day 30 = $15,000; Protected Income Base = $115,000; Enhancement Base = $115,000; Enhancement Value = $115,000
On the first Benefit Year anniversary, because the additional Purchase Payment is within the first 90 days after the effective date of the rider, the Protected Income Base and Enhancement Value will not be less than $121,900 (= $115,000 + ($100,000 x 6% + $15,000 x 6%)).

Consider a further additional Purchase Payment on day 95 = $10,000; Protected Income Base = $125,000; Enhancement Base = $125,000; Enhancement Value = $125,000

As explained below and as noted above, an Enhancement and Account Value Step-up will not occur in the same year. If the Account Value Step-up provides an increase equal to or greater than what the Enhancement provides, you will not receive the Enhancement. It is possible that this could happen each Benefit Year (because the Account Value Step-up provided a larger increase each year), and therefore the Enhancement would not apply. The Enhancement or the Account Value Step-up cannot increase the Protected Income Base above the maximum Protected Income Base of $10 million.

An example of the impact of a withdrawal on the Enhancement is included in the Withdrawal Amount section below.

Enhancement Period. The Enhancement Period is a 10-year period that begins on the effective date of the rider. Enhancements are not available once the Enhancement Period has expired.

Account Value Step-ups. The Protected Income Base will increase up to equal the highest Contract Value on each Benefit Year anniversary if:

the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and spouse (joint life option) are under age 86; and

the highest Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including surrender charges, the protected lifetime income fee and account fee), plus any Purchase Payments made on that date, is greater than the Protected Income Base immediately prior to that Benefit Year anniversary; and

the Account Value Step-up is greater than the Enhancement Value on the same Benefit Year anniversary.

The Account Value Step-up will not increase the Enhancement Base or the Enhancement Value and is available even in those years when a withdrawal has occurred.

The protected lifetime income fee rate can change each time there is an Account Value Step-up. That means if the current fee rate has increased, this would cause an increase in your annual fee rate for this rider. If your fee rate is increased, you may opt out of the Account Value Step-up by giving us notice within 30 days after the Benefit Year anniversary. (See the Lincoln ProtectedPay^SM Fee section earlier in this supplement.) If you decline an Account Value Step-up, you will continue to be eligible for future Account Value Step-ups if you meet the conditions listed above.

Following is an example of how the Account Value Step-ups and the Enhancement impact the Protected Income Base (assuming no withdrawals or additional Purchase Payments):

	Contract Value		Protected Income Base		Enhancement Base		Enhancement Value
At issue	$	100,000	$	100,000	$	100,000	$	100,000
1^st Benefit Year anniversary	$	104,000	$	106,000	$	100,000	$	106,000
2^nd Benefit Year anniversary	$	115,000	$	115,000	$	100,000	$	112,000
3^rd Benefit Year anniversary	$	116,000	$	118,000	$	100,000	$	118,000

On the first Benefit Year anniversary, the Contract Value is higher than the previous Protected Income Base of $100,000, but since the Enhancement would increase the Protected Income Base to a higher amount, the Protected Income Base is increased to equal the Enhancement Value of $106,000, and the Enhancement Base remains at $100,000.

On the second Benefit Year anniversary, the Contract Value of $115,000 is higher than the Enhancement Value of $112,000 ($112,000 = $106,000 + ($100,000 x 6%), so the Protected Income Base is increased to equal the Contract Value of $115,000, and the Enhancement Base remains at $100,000.

On the third Benefit Year anniversary, the Contract Value is higher than the previous Protected Income Base of $115,000, but since the Enhancement would increase the Protected Income Base to a higher amount, the Protected Income Base is increased to equal the Enhancement Value of $118,000, and the Enhancement Base remains at $100,000.

Withdrawal Amount. Protected Annual Income withdrawals are available at the minimum age stated on the Rate Sheet. The minimum age may vary between the different rider options. The Protected Annual Income amount may be withdrawn from the contract each Benefit Year. As long as the Protected Annual Income amount is not reduced to zero because of an Excess Withdrawal, these withdrawals may be taken for your lifetime (single life option) or the lifetimes of you and your spouse (joint life option). You will not be entitled to the Protected Annual Income amount if the Protected Income Base is reduced to zero as a result of an Excess Withdrawal. If either the Contract Value or the Protected Income Base is reduced to zero due to an Excess Withdrawal, the rider will terminate. The Protected Annual Income amount for the Plus and Max options will be reduced if your Contract Value is reduced to zero.

The Protected Annual Income amount is determined by multiplying the Protected Income Base by the applicable rate, which varies by which rider option is selected, based on your age and whether the single or joint life option has been elected, and, for the Plus and Max options, whether or not your Contract Value has been reduced to zero. Under the joint life option, the age of the younger of you or your spouse will be used. The Protected Annual Income amount will change upon an Account Value Step-up, an Enhancement (if applicable), additional Purchase Payments, and Excess Withdrawals, as described below.

The Protected Annual Income rates applicable to new rider elections are set forth in a supplement to this prospectus, called a Rate Sheet. The Rate Sheet indicates the Protected Annual Income rates and the date by which your application or rider election form must be signed and dated for a contract to be issued with those rates. The rates may be superseded at any time, in our sole discretion, and may be higher or lower than the rates on the previous Rate Sheet.

The effective date of a subsequent Rate Sheet will be at least 10 days after it is filed. In order to get the rate indicated in a Rate Sheet, your application or rider election form must be sent to us and must be signed and dated on or after the effective date of the Rate Sheet. Current Rate Sheets will be included with the prospectus. You can also obtain the most current Rate Sheet information by contacting your registered representative, online at www.lfg.com/VAprospectus, or by calling us at number listed in your prospectus.

After your first Protected Annual Income withdrawal, the Protected Annual Income rate will only increase on a Benefit Year anniversary on or after you have reached an applicable higher age band and after there has also been an Account Value Step-up. If you have reached an applicable higher age band and there has not also been a subsequent Account Value Step-up, then the Protected Annual Income rate will not increase until the next Account Value Step-up occurs. If you do not withdraw the entire Protected Annual Income amount during a Benefit Year, there is no carryover of the remaining amount into the next Benefit Year.

Core options: If your Contract Value is reduced to zero for any reason other than for an Excess Withdrawal, the remaining Protected Annual Income amounts for that Benefit Year will be paid in a lump sum. On the next rider anniversary, the scheduled amount will automatically resume and continue for your life (and your spouse’s life if the joint life option is chosen) under the Protected Annual Income Payout Option. You may not withdraw the remaining Protected Income Base, Enhancement Base or Enhancement Value in a lump sum.

Plus and Max options: If your Contract Value is reduced to zero for any reason other than for an Excess Withdrawal, the Protected Annual Income rate and amount will be immediately reduced, as reflected on your Rate Sheet. The Protected Annual Income amount payable as calculated in Table A of the Rate Sheet cannot exceed the remaining Contract Value. However, if the total Protected Annual Income amounts received in the Benefit Year your Contract Value is reduced to zero are less than the recalculated Protected Annual Income amount based on Table B of the Rate Sheet, the difference is payable for the remainder of that Benefit Year. Otherwise, you will not be able to receive further Protected Annual Income payments until the next Benefit Year anniversary. Withdrawals equal to the Protected Annual Income amount will continue automatically for your life (and your spouse’s life if applicable) under the Protected Annual Income Amount Annuity Payout Option. You may not withdraw the remaining Protected Income Base, Enhancement Base or Enhancement Value in a lump sum.

For all rider options, withdrawals equal to or less than the Protected Annual Income amount will not reduce the Protected Income Base, Enhancement Base or Enhancement Value. All withdrawals will decrease the Contract Value. Surrender charges are waived on cumulative withdrawals less than or equal to the Protected Annual Income amount.

The following example shows the calculation of the Protected Annual Income amount and how withdrawals less than or equal to the Protected Annual Income amount impact the Protected Income Base, the Enhancement Base, Enhancement Value, and the Contract Value. The example assumes a 4% Protected Annual Income rate and a Contract Value of $200,000 on the rider’s effective date:

Contract Value on the rider’s effective date …………...………….……..…….………	$	200,000
Protected Income Base and Enhancement Base on the rider’s effective date …………...............................................................................…	$	200,000
Initial Protected Annual Income amount on the rider’s effective date ($200,000 x 4%) ……………………………………………………………………….….	$	8,000
Contract Value six months after rider’s effective date ………………………………	$	210,000
Protected Income Base, Enhancement Base and Enhancement Value six months after rider’s effective date ……………………………………………………….	$	200,000
Withdrawal six months after rider’s effective date …………………………………...	$	8,000
Contract Value after withdrawal ($210,000 - $8,000) ……………………………...	$	202,000
Protected Income Base, Enhancement Base and Enhancement Value after withdrawal ($200,000 – $0) ………………………………………………………………	$	200,000
Contract Value on first Benefit Year anniversary …………………………………….	$	205,000
Protected Income Base on first Benefit Year anniversary	$	205,000
Enhancement Value and Enhancement Base on first Benefit Year anniversary …	$	200,000
Protected Annual Income amount on first Benefit Year anniversary ($205,000 x 4%) ……………………………………………………………………………..……………	$	8,200

Since there was a withdrawal during the first year, an Enhancement is not available, but the Account Value Step-up was available and increased the Protected Income Base to the Contract Value of $205,000. On the first Benefit Year anniversary, the Protected Annual Income amount is $8,200 (4% x $205,000). The Enhancement Base and Enhancement Value remain at $200,000.

Purchase Payments added to the contract subsequent to the initial Purchase Payment will increase the Protected Annual Income amount by an amount equal to the applicable Protected Annual Income rate multiplied by the amount of the subsequent Purchase Payment. The Protected Annual Income payment amount will be recalculated immediately after a Purchase Payment is added to the contract.

Enhancements and Account Value Step-ups will increase the Protected Income Base and thus the Protected Annual Income amount. The Protected Annual Income amount, after the Protected Income Base is adjusted by an Enhancement or an Account Value Step-up, will be equal to the adjusted Protected Income Base multiplied by the applicable Protected Annual Income rate. For the Plus and Max options, the Protected Annual Income will be lower when your Contract Value is reduced to zero for any reason other than an Excess Withdrawal, which will result in a reduced Protected Annual income amount.

Excess Withdrawals. Excess Withdrawals are:

the cumulative amounts withdrawn from the contract during the Benefit Year (including the current withdrawal) that exceed the Protected Annual Income amount at the time of the withdrawal;

withdrawals made prior to the minimum withdrawal age, as stated on the Rate Sheet; or

withdrawals that are payable to any assignee or assignee’s bank account.

When an Excess Withdrawal occurs:

the Protected Income Base, Enhancement Base and Enhancement Value are reduced by the same proportion that the Excess Withdrawal reduces the Contract Value. This means that the reduction in the Protected Income Base, Enhancement Base and Enhancement Value could be more than the dollar amount of the withdrawal; and

the Protected Annual Income amount will be recalculated to equal the applicable Protected Annual Income rate multiplied by the new (reduced) Protected Income Base (after the proportionate reduction for the Excess Withdrawal).

Your quarterly statements will include the Protected Annual Income amount (as adjusted for Protected Annual Income amount payments in a Benefit Year, Excess Withdrawals and additional Purchase Payments) available to you for the Benefit Year, if applicable, in order for you to determine whether a withdrawal may be an Excess Withdrawal. We encourage you to either consult with your registered representative or call us at the number provided in your prospectus if you have any questions about Excess Withdrawals.

The following example demonstrates the impact of an Excess Withdrawal on the Protected Income Base, the Enhancement Base, the Enhancement Value, the Protected Annual Income amount, and your Contract Value. The example assumes that the Contractowner makes a $12,000 withdrawal which causes an $11,815 reduction in the Protected Income Base and Enhancement Base.

Prior to Excess Withdrawal:

Contract Value = $60,000

Protected Income Base = $85,000

Enhancement Base = $85,000

Enhancement Value = $85,000

Protected Annual Income amount = $4,250 (5% of the Protected Income Base of $85,000)

After a $12,000 withdrawal ($4,250 is within the Protected Annual Income amount, $7,750 is the Excess Withdrawal): The Contract Value is reduced by the amount of the Protected Annual Income amount of $4,250 and the Protected Income Base. Enhancement Base and Enhancement Value are not reduced:

Contract Value = $55,750 ($60,000 - $4,250)

Protected Income Base = $85,000

Enhancement Base = $85,000

Enhancement Value = $85,000

The Contract Value is also reduced by the $7,750 Excess Withdrawal and the Protected Income Base, Enhancement Base, and Enhancement Value are reduced by 13.90%, the same proportion by which the Excess Withdrawal reduced the $55,750.

Contract Value ($7,750 / $55,750).

Contract Value = $48,000 ($55,750 - $7,750)

Protected Income Base = $73,185 ($85,000 x 13.90% = $11,815; $85,000 - $11,815 = $73,185)

Enhancement Base = $73,185 ($85,000 x 13.90% = $11,815; $85,000 - $11,815 = $73,185)

Enhancement Value = $73,185 ($85,000 x 13.90% = $11,815; $85,000 - $11,815 = $73,185)

Protected Annual Income amount = $3,659 (5% of $73,185 Protected Income Base)

On the following Benefit Year anniversary:

Contract Value = $43,000

Protected Income Base = $73,185

Enhancement Base = $73,185

Enhancement Value = $73,185

Protected Annual Income amount = $3,659 (5% x $73,185)

In a declining market, Excess Withdrawals may significantly reduce your Protected Income Base, Enhancement Base, Enhancement Value and Protected Annual Income amount. This is because the reduction in the benefit may be more than the dollar amount withdrawn from the Contract Value. If the Protected Income Base is reduced to zero due to an Excess Withdrawal, the rider will terminate. If the Contract Value is reduced to zero due to an Excess Withdrawal, the rider and Contract will terminate.

Surrender charges are waived on cumulative withdrawals less than or equal to the Protected Annual Income amount. Excess Withdrawals will be subject to surrender charges unless one of the waivers of surrender charge provisions set forth in the prospectus is applicable. Continuing with the prior example of the $12,000 withdrawal: the $4,250 Protected Annual Income amount is not subject to surrender charges; the $7,750 Excess Withdrawal may be subject to surrender charges according to the surrender charge schedule in your prospectus. See the prospectus – Charges and Other Deductions – Surrender Charge.

Withdrawals from IRA contracts will not be considered Excess Withdrawals (even if they exceed the Protected Annual Income amount) only if the withdrawals are taken as systematic installments of the amount needed to satisfy the required minimum distribution (RMD) rules under Internal Revenue Code Section 401(a)(9). In addition, in order for this exception for RMD’s to apply, the following must occur:

Lincoln’s automatic withdrawal service is used to calculate and pay the RMD;

The RMD calculation must be based only on the value in this contract;

No withdrawals other than RMD’s are made within the Benefit Year (except as described in the next paragraph);

This contract is not a beneficiary IRA; and

The younger of you or your spouse (joint life option) reach the minimum age, as stated on the Rate Sheet.

If your RMD withdrawals during a Benefit Year are less than the Protected Annual Income amount, an additional amount up to the Protected Annual Income amount may be withdrawn and will not be subject to surrender charges. If a withdrawal, other than an RMD is made during the Benefit Year, then all amounts withdrawn in excess of the Protected Annual Income amount, including amounts attributable to RMDs, will be treated as Excess Withdrawals.

Distributions from qualified contracts are generally taxed as ordinary income. Distributions from nonqualified contracts that are includable in gross income are also generally taxed as ordinary income See the prospectus - Federal Tax Matters.

Protected Annual Income Payout Option. The Protected Annual Income Payout Option (“PAIPO”) is an Annuity Payout option under which the Contractowner (and spouse if applicable) will receive annuity payments for life. This option is different from other Annuity Payout options, including i4LIFE^® Advantage, which are based on your Contract Value. If you are required to take annuity payments because you have reached the Annuity Commencement Date, you have the option of electing the PAIPO. If the Contract Value is reduced to zero and you have a remaining Protected Income Base, you will receive the PAIPO.

Core options: Contractowners may decide to choose the PAIPO over the applicable version of i4LIFE^® Advantage Guaranteed Income Benefit if they feel this may provide a higher final payment over time and they may place more importance on this payment over access to the Account Value.

Plus and Max options: Annuity payments made under PAIPO will be equal to the Protected Income Base multiplied by the Protected annual Income rate shown in Table B of your Rate Sheet.

For all rider options, payment frequencies other than annual may be available. You will have no other contract features other than the right to receive annuity payments equal to the Protected Annual Income amount for your life or the life of you and your spouse for the joint life option. Once you elect the PAIPO, the death benefit terminates, and the Beneficiary will not receive a death benefit payment.

Death Prior to the Annuity Commencement Date. Lincoln ProtectedPay^SM riders have no provision for a payout of the Protected Income Base, Enhancement Base or Enhancement Value upon death of the Contractowner or Annuitant and provides no increase in value to the Death Benefit over and above what the Death Benefit provides in the base contract. At the time of death, if the Contract Value equals zero, no Death Benefit options (as described in the prospectus) will be in effect. Election of a Lincoln ProtectedPay^SM rider does not impact the Death Benefit options available for purchase with your annuity contract. All Death Benefit payments must be made in compliance with Internal Revenue Code Sections 72(s) or 401(a)(9) as applicable as amended from time to time. See the prospectus – The Contracts – Death Benefits.

Upon the death of the single life, this rider will end and no further Protected Annual Income amounts are available (even if there was a Protected Income Base in effect at the time of the death). Upon the first death under the joint life option, withdrawals up to the Protected Annual Income amount continue to be available for the life of the surviving spouse. The Enhancement and Account Value Step-up will continue, if applicable, as discussed above. Upon the death of the surviving spouse, the Lincoln ProtectedPay^SM rider will end and no further Protected Annual Income amounts are available (even if there was a Protected Income Base in effect at the time of the death).

Termination. After the fifth Benefit Year anniversary, the Contractowner may terminate the rider by notifying us in writing of the request to terminate or by failing to adhere to Investment Requirements. Lincoln ProtectedPay^SM rider will automatically terminate:

●	on the Annuity Commencement Date (except payments under the Protected Annual Income Amount Annuity Payout Option will continue if applicable);

●	upon the election of i4LIFE^® Advantage;

●	upon death under the single life option or the death of the surviving spouse under the joint life option;

●	when the Protected Annual Income amount or Contract Value is reduced to zero due to an Excess Withdrawal;

●	if the Contractowner or Annuitant is changed (except if the surviving spouse assumes ownership of the contract upon death of the Contractowner) including any sale or assignment of the contract or any pledge of the contract as collateral;

●	on the date the Contractowner is changed pursuant to an enforceable divorce agreement or decree; or

●	upon surrender or termination of the underlying annuity contract.

The termination will not result in any increase in Contract Value equal to the Protected Income Base, Enhancement Base or Enhancement Value. Upon effective termination of this rider, the benefit and charges within this rider will terminate. If you terminate the rider, you must wait one year before you can elect any Living Benefit Rider available for purchase at that time, except i4LIFE^® Advantage.

Core options: i4LIFE^® Advantage Guaranteed Income Benefit option. Contractowners who elect Lincoln ProtectedPay^SM Select Core may decide to later transition to i4LIFE^® Advantage Select Guaranteed Income Benefit. Contractowners who elect Lincoln ProtectedPay^SM Secure Core may decide to later transition to i4LIFE^® Advantage Guaranteed Income Benefit Managed Risk. The transition must be made prior to the maximum age limit and prior to the Annuity Commencement Date. You cannot have both i4LIFE^® Advantage and another Living Benefit Rider in effect on your Contract at the same time. See the prospectus – i4LIFE^® Advantage Guaranteed Income Benefit Transitions.

Appendix B – Investment Requirements. The following section is added to Appendix B and outlines the Investment Requirements that apply to purchasers of Lincoln ProtectedPay^SM. Please note that some of the funds listed below may not be available under your Contract.

Under the current Investment Requirements for Lincoln ProtectedPay^SM Secure Core, Lincoln ProtectedPay^SM Secure Plus, and Lincoln ProtectedPay^SM Secure Max, you must allocate your Contract Value as follows:

Group 1
Investments must be at least 20% of Contract Value
JPMorgan Insurance Trust Core Bond Portfolio	LVIP PIMCO Low Duration Bond Fund
LVIP BlackRock Inflation Protected Bond Fund	LVIP SSGA Bond Index Fund
LVIP Delaware Bond Fund	LVIP SSGA Short-Term Bond Index Fund
LVIP Delaware Diversified Floating Rate Fund	LVIP Vanguard Bond Allocation Fund
LVIP Delaware Diversified Income Fund	LVIP Western Asset Core Bond Fund
LVIP Delaware Limited-Term Diversified Income Fund
Group 2
Investments cannot exceed 80% of Contract Value
LVIP American Century Select Mid Cap Managed Volatility Fund	LVIP Global Conservative Allocation Managed Risk Fund
LVIP BlackRock Dividend Value Managed Volatility Fund	LVIP Global Growth Allocation Managed Risk Fund
LVIP BlackRock Global Allocation Managed Risk Fund	LVIP Global Moderate Allocation Managed Risk Fund
LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund	LVIP Invesco Select Equity Income Managed Volatility Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund	LVIP JPMorgan Select Mid Cap Value Managed Volatility Fund
LVIP Blended Large Cap Growth Managed Volatility Fund	LVIP MFS International Equity Managed Volatility Fund
LVIP Blended Mid Cap Managed Volatility Fund	LVIP Multi-Manager Global Equity Managed Volatility Fund
LVIP ClearBridge Franklin Select Large Cap Managed Volatility Fund	LVIP SSGA Global Tactical Allocation Managed Volatility Fund
LVIP Dimensional International Equity Managed Volatility Fund	LVIP SSGA International Managed Volatility Fund
LVIP Dimensional U.S. Equity Managed Volatility Fund	LVIP SSGA Large Cap Managed Volatility Fund
LVIP Fidelity Institutional AM ^® Select Core Equity Managed Volatility Fund	LVIP SSGA SMID Cap Managed Volatility Fund
LVIP Franklin Templeton Global Equity Managed Volatility Fund	LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund	LVIP U.S. Growth Allocation Managed Risk Fund
Group 3
Investments cannot exceed 10% of Contract Value
No Subaccounts at this time.

The fixed account is only available for dollar cost averaging.

As an alternative to satisfy these Investment Requirements, you may allocate 100% of your Contract Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and will be subject to Group 2 restrictions.

JPMorgan Insurance Trust Core Bond Portfolio	LVIP Global Growth Allocation Managed Risk Fund
LVIP BlackRock Global Allocation Managed Risk Fund	LVIP Global Moderate Allocation Managed Risk Fund
LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund	LVIP PIMCO Low Duration Bond Fund
LVIP BlackRock Inflation Protected Bond Fund	LVIP SSGA Bond Index Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund	LVIP SSGA Global Tactical Allocation Managed Volatility Fund
LVIP Delaware Bond Fund	LVIP SSGA Short-Term Bond Index Fund
LVIP Delaware Diversified Floating Rate Fund	LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP Delaware Diversified Income Fund	LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Delaware Limited-Term Diversified Income Fund	LVIP Vanguard Bond Allocation Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund	LVIP Western Asset Core Bond Fund
LVIP Global Conservative Allocation Managed Risk Fund

Under the current Investment Requirements for Lincoln ProtectedPay^SM Select Core, Lincoln ProtectedPay^SM Select Plus, and Lincoln ProtectedPay^SM Select Max, you must allocate your Contract Value as follows:

Group 1
Investments must be at least 20% of Contract Value
JPMorgan Insurance Trust Core Bond Portfolio	LVIP PIMCO Low Duration Bond Fund
LVIP BlackRock Inflation Protected Bond Fund	LVIP SSGA Bond Index Fund
LVIP Delaware Bond Fund	LVIP SSGA Short-Term Bond Index Fund
LVIP Delaware Diversified Floating Rate Fund	LVIP Vanguard Bond Allocation Fund
LVIP Delaware Diversified Income Fund	LVIP Western Asset Core Bond Fund
LVIP Delaware Limited-Term Diversified Income Fund
Group 2
Investments cannot exceed 80% of Contract Value
AB VPS Small/Mid Cap Value Portfolio	LVIP Global Aggressive Growth Allocation Managed Risk Fund
American Century VP Balanced Fund	LVIP Global Conservative Allocation Managed Risk Fund
American Century VP Large Company Value Fund	LVIP Global Growth Allocation Managed Risk Fund
ClearBridge Variable Large Cap Growth Portfolio	LVIP Global Moderate Allocation Managed Risk Fund
Delaware VIP ^® Small Cap Value Series	LVIP Government Money Market Fund
Fidelity ^® VIP Balanced Portfolio	LVIP JPMorgan High Yield Fund
Fidelity ^® VIP Contrafund ^® Portfolio	LVIP JPMorgan Retirement Income Fund
Fidelity ^® VIP FundsManager ^® 50% Portfolio	LVIP MFS International Growth Fund
Fidelity ^® VIP Mid Cap Portfolio	LVIP MFS Value Fund
First Trust Capital Strength Portfolio	LVIP Mondrian International Value Fund
First Trust/Dow Jones Dividend & Income Allocation Portfolio	LVIP SSGA Conservative Index Allocation Fund
Franklin Allocation VIP Fund	LVIP SSGA Conservative Structured Allocation Fund
Franklin Income VIP Fund	LVIP SSGA Developed International 150 Fund
Franklin Multi-Asset Variable Conservative Growth Fund	LVIP SSGA Global Tactical Allocation Managed Volatility Fund
Franklin Mutual Shares VIP Fund	LVIP SSGA International Index Fund
Invesco V.I. Equally-Weighted S&P 500 Fund	LVIP SSGA Large Cap 100 Fund
Invesco V.I. EQV International Equity Fund	LVIP SSGA Mid-Cap Index Fund
JPMorgan Insurance Trust Global Allocation Portfolio	LVIP SSGA Moderate Index Allocation Fund
LVIP American Global Growth Fund	LVIP SSGA Moderate Structured Allocation Fund
LVIP American Growth Fund	LVIP SSGA Moderately Aggressive Index Allocation Fund
LVIP American Growth-Income Fund	LVIP SSGA Moderately Aggressive Structured Allocation Fund
LVIP American International Fund	LVIP SSGA S&P 500 Index Fund
LVIP Baron Growth Opportunities Fund	LVIP SSGA Small-Cap Index Fund
LVIP BlackRock Global Allocation Fund	LVIP SSGA Small-Mid Cap 200 Fund
LVIP BlackRock Global Allocation Managed Risk Fund	LVIP T. Rowe Price Structured Mid-Cap Growth Fund
LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund	LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund	LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Delaware Mid Cap Value Fund	LVIP Vanguard Domestic Equity ETF Fund
LVIP Delaware Social Awareness Fund	LVIP Vanguard International Equity ETF Fund
LVIP Delaware U.S. Growth Fund	LVIP Wellington SMID Cap Value Fund
LVIP Delaware Value Fund	MFS ^® VIT Growth Series
LVIP Delaware Wealth Builder Fund	MFS ^® VIT Total Return Series
LVIP Dimensional International Core Equity Fund	Putnam VT George Putnam Balanced Fund
LVIP Dimensional U.S. Core Equity 1 Fund	Putnam VT Large Cap Value Fund
LVIP Dimensional U.S. Core Equity 2 Fund

The fixed account is only available for dollar cost averaging.

As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and will be subject to Group 2 restrictions.

American Century VP Balanced Fund	LVIP Global Growth Allocation Managed Risk Fund
Fidelity^® VIP Balanced Portfolio	LVIP Global Moderate Allocation Managed Risk Fund
Fidelity^® VIP FundsManager^® 50% Portfolio	LVIP JPMorgan Retirement Income Fund
First Trust/Dow Jones Dividend & Income Allocation Portfolio	LVIP PIMCO Low Duration Bond Fund
Franklin Allocation Fund	LVIP SSGA Bond Index Fund
Franklin Multi-Asset Variable Conservative Growth Fund	LVIP SSGA Conservative Index Allocation Fund
JPMorgan Insurance Trust Core Bond Portfolio	LVIP SSGA Conservative Structured Allocation Fund
LVIP BlackRock Global Allocation Fund	LVIP SSGA Global Tactical Allocation Managed Volatility Fund
LVIP BlackRock Global Allocation Managed Risk Fund	LVIP SSGA Moderate Index Allocation Fund
LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund	LVIP SSGA Moderate Structured Allocation Fund
LVIP BlackRock Inflation Protected Bond Fund	LVIP SSGA Moderately Aggressive Index Allocation Fund
LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund	LVIP SSGA Moderately Aggressive Structured Allocation Fund
LVIP Delaware Bond Fund	LVIP SSGA Short-Term Bond Index Fund
LVIP Delaware Diversified Floating Rate Fund	LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP Delaware Diversified Income Fund	LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Delaware Limited-Term Diversified Income Fund	LVIP Vanguard Bond Allocation Fund
LVIP Delaware Wealth Builder Fund	LVIP Western Asset Core Bond Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund	MFS^® VIT Total Return Series
LVIP Global Conservative Allocation Managed Risk Fund	Putnam VT George Putnam Balanced Fund

Additionally, Contract Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. If so, currently 100% of the Contract Value can be allocated to one of the following models: Active-Passive Global Growth Allocation Model, Dimensional/Vanguard Moderate Allocation Model, Dimensional/Vanguard Global Growth Allocation Model, Multi-Manager Domestic Growth Allocation Model or Multi-Manager Moderate Allocation Model. You may only choose one asset allocation model at a time, though you may change to a different asset allocation model available in your Contract that meets the Investment Requirements or reallocate Contract Value according to the Investment Requirements listed above. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change.

Please keep this supplement for future reference.

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

Lincoln Life Variable Annuity Account N

ChoicePlus^SM Signature

Supplement dated _______, 2022 to the prospectus dated May 1, 2022

This supplement to the prospectus for your individual variable annuity contract describes revisions to 4LATER^® Select Advantage riders elected on and after ________, 2022. This supplement is for informational purposes and requires no action on your part.

OVERVIEW

The following changes will apply to 4LATER^® Select Advantage riders elected on and after ________, 2022 (subject to state approval):

•	the current protected lifetime income fee may increase annually after ten years from the rider effective date;

•	the Guaranteed Maximum Annual Fee is higher;

•	the Enhancement Period does not reset;

•	the Protected Income Base is the highest of the previous Protected Income Base, Account Value Step-up, or Enhancement Value.

DESCRIPTION OF CHANGES

The following discussion describes changes that are incorporated into the specified sections of your prospectus.

Special Terms – The following term is added to the Special Terms section:

Enhancement Value: A value to which the Protected Income Base will increase, subject to certain conditions and limitations.

Important Information About Your Contract – The following line item replaces the current line item on the Minimum and Maximum Annual Fee Table:

	Minimum	Maximum
Optional benefits available for an additional charge (for a single optional benefit, if elected)	0.40%	2.75%

Fee Tables – Annual Contract Expenses. The following entry is added to the Annual Contract Expenses Table under Optional Benefit Expenses:

	Single Life	Joint Life
4LATER^® Select Advantage^* riders purchased on and after __, 2022
Guaranteed Maximum Annual Charge ………………………………	2.75%	2.75%

^*As an annualized percentage of the Protected Income Base, as increased by subsequent Purchase Payments and decreased by withdrawals This charge is deducted from the Contract Value on a quarterly basis. The current rider charge rate will be less than or equal to the stated maximum charge rate and will be disclosed in a Rate Sheet prospectus supplement.

Fee Tables – Examples. The following Example is added to your prospectus.

The Example assumes that you invest $100,000 in the contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, the maximum fees and expenses of any of the funds and that the EGMDB Death Benefit and 4LATER^® Select Advantage at the guaranteed maximum charge are in effect. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

1)	If you surrender your contract at the end of the applicable time period:

	1 year	3 years	5 years	10 years
Signature 1	XX	XX	XX	XX
Signature 2	XX	XX	XX	XX

2)	If you annuitize or do not surrender your contract at the end of the applicable time period:

	1 year	3 years	5 years	10 years
Signature 1	XX	XX	XX	XX
Signature 2	XX	XX	XX	XX

Charges and Other Deductions – Protected Lifetime Income Fee. The following information is added to the Protected Lifetime Income Fee section of your prospectus.

For 4LATER^® Select Advantage riders elected on and after _____, 2022, after ten years from the rider effective date, the protected lifetime income fee rate may increase annually on the Benefit Year anniversary at Lincoln’s sole discretion, up to the stated guaranteed maximum charge rate. You may opt out of this fee rate increase by giving us notice within 30 days after the increase. If you opt out of this fee rate increase, you will no longer be eligible for Account Value Step-ups. Other situations that may cause an increase to the protected lifetime income fee are discussed in the prospectus.

Benefits Available Under the Contract. The 4LATER^® Select Advantage line item on the Benefits Available Under the Contract table is replaced with the following line item:

Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions/ Limitations
4LATER^® Select Advantage	Provides: •Protected Income Base which will be used to establish the amount of the Guaranteed Income Benefit upon the election of i4LIFE^® Advantage. •An Enhancement to the Protected Income Base. •Account Value Step-ups of the Protected Income Base. Must later transition to i4LIFE^®Advantage Select Guaranteed Income Benefit in order to receive a benefit from4LATER^® Select Advantage. It is designed for those seeking growth of the Protected Income Base who do not need to take withdrawals right away. Designed primarily for the purchasers of nonqualified contracts where the Contractowner and Annuitant are different people (single life option) or with joint life benefits where the Secondary Life is not a spouse.	Riders elected on and after _____, 2022: 2.75% Single and Joint Life Options Riders elected prior to _____, 2022: 2.25% Single Life Option 2.45% Joint Life Option (as a percentage of the Protected Income Base)	•Investment Requirements apply. •Withdrawals could significantly reduce or terminate the benefit. •Not available for purchase with a qualified contract. •Subject to a $10 million maximum Protected Income Base across all Living Benefit Riders. •Purchase Payments and step-ups may increase fee rate. •Additional Purchase Payments may be limited.

Benefits Available Under the Contract - 4LATER^® Select Advantage.

Protected Income Base and Enhancement Base. This section is replaced in its entirety with the following:

The Protected Income Base is a value used to calculate the Guaranteed Income Benefit amount under i4LIFE^® Advantage Select Guaranteed Income Benefit at a later date. The initial Protected Income Base varies based on when you elect the rider. If you elect the rider at the time you purchase the Contract, the initial Protected Income Base will equal your initial Purchase Payment. If you elect the rider after we issue the Contract, the initial Protected Income Base will equal the Contract Value on the effective date of the rider. The Protected Income Base is increased by subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by all withdrawals in accordance with the provisions set forth below. The maximum Protected Income Base is $10 million, which includes the total guaranteed amounts under the Living Benefit Riders of all Lincoln Life contracts (or contracts issued by our affiliates) in which you (and/or spouse if joint life option) are the covered lives.

Rider elections on and after _____ , 2022. The Protected Income Base will be reset on each Benefit Year anniversary to the greater of the current Protected Income Base, the Enhancement Value, or the Account Value Step-up. The Enhancement Base is the value used to calculate the amount that may be added to the Enhancement Value. The Enhancement Base is equal to the initial Purchase Payment or the Contract Value on the effective date of the rider, increased by subsequent Purchase Payments and decreased by all withdrawals in accordance with the provisions set forth below. The Enhancement Base is not increased by an Enhancement. The Protected Income Base, Enhancement Value, and the Enhancement Base are not available to you as a lump sum withdrawal or as a Death Benefit.

Rider elections on and after June 11, 2018, and prior to ____, 2022. The Enhancement Base is the value used to calculate the Enhancement Value. The Enhancement Base is equal to the initial Purchase Payment or the Contract Value on the effective date of the rider, increased by subsequent Purchase Payments and Account Value Step-ups, and decreased by all withdrawals in accordance with the provisions set forth below. The Enhancement Base is not increased by an Enhancement. The Protected Income Base and the Enhancement Base are not available to you as a lump sum withdrawal or as a Death Benefit.

Additional Purchase Payments received after the rider effective date automatically increase the Protected Income Base, and the Enhancement Base by the amount of the Purchase Payment (not to exceed the maximum Protected Income Base); for example, a $10,000 additional Purchase Payment will increase the Protected Income Base and Enhancement Base by $10,000. Any Purchase Payment will be added immediately to the Protected Income Base and the Enhancement Base but must be invested in the contract at least one Benefit Year before it will be used in calculating an Enhancement. Any Purchase Payments made within the first 90 days after the effective date of the rider will be included in the Protected Income Base and Enhancement Base for purposes of calculating the Enhancement on the first Benefit Year anniversary.

Rider elections prior to June 11, 2018 do not have an Enhancement Base.

All versions of the rider. After the first anniversary of the rider effective date, once cumulative additional Purchase Payments exceed $100,000, additional Purchase Payments will be limited to $50,000 per Benefit Year without Home Office approval. Additional Purchase Payments will not be allowed if the Contract Value decreases to zero for any reason, including market loss.

Each withdrawal reduces the Protected Income Base, Enhancement Base, and Enhancement Value (if applicable), in the same proportion as the amount withdrawn reduces the Contract Value on the Valuation Date of the withdrawal. The reduction to the Protected Income Base and Enhancement Base could be more than the dollar amount of the withdrawal.

The following example demonstrates the impact of a withdrawal on the Protected Income Base, Enhancement Base, Enhancement Value (if applicable), and the Contract Value. The Contractowner makes a withdrawal of $11,200 which causes a $12,550 reduction in the Protected Income Base, Enhancement Base, and Enhancement Value (if applicable).

Prior to the withdrawal:

Contract Value = $112,000

Protected Income Base = $125,500

Enhancement Base = $125,500

Enhancement Value = $125,500

After a withdrawal of $11,200, the Contract Value is reduced by 10% ($11,200) and the Protected Income Base, Enhancement Value and Enhancement Base are also reduced by 10%, the same proportion by which the withdrawal reduced the Contract Value ($11,200 ÷ $112,000)

Contract Value = $100,800 ($112,000 - $11,200)

Protected Income Base = $112,950 ($125,500 x 10% = $12,550; $125,500 - $12,550 = $112,950)

Enhancement Base = $112,950 ($125,500 x 10% = $12,550; $125,500 - $12,550 = $112,950)

Enhancement Value = $112,950 ($125,500 x 10% = $12,550; $125,500 - $12,550 = $112,950)

In a declining market, withdrawals may significantly reduce your Protected Income Base, Enhancement Base, and Enhancement Value and as a result will reduce your future Guaranteed Income Benefit. If the Protected Income Base is reduced to zero due to withdrawals, this rider will terminate. If the Contract Value is reduced to zero due to a withdrawal, both the rider and the Contract will terminate.

Enhancement. The following discussion replaces the first two paragraphs of this section.

Rider elections on and after _____ , 2022. We will calculate the Enhancement Value on each Benefit Year anniversary during the Enhancement Period if no withdrawal occurred in that Benefit Year. The Enhancement will occur on a Benefit Year anniversary only if all following conditions are satisfied.

On each Benefit Year anniversary, the Protected Income Base will be the greater of the Account Value and the Enhancement Value, if:

a.	the Contractowner/Annuitant (as well as the spouse if the joint life option is in effect) is under the age of 86;

b.	there are no withdrawals in the preceding Benefit Year;

c.	the rider is within the Enhancement Period;

d.	the Enhancement Value is greater than the Protected Income Base immediately prior to a Benefit Year anniversary adjustment;

e.	the Enhancement Value is greater than an Account Value Step-up that may have occurred on the same Benefit Year anniversary; and

f.	the Enhancement Base is greater than zero.

On each subsequent rider date anniversary thereafter, assuming no withdrawal occurred in that Benefit Year, the Enhancement Value established on the previous Benefit Year anniversary is increased by an amount equal to the Enhancement Base multiplied by the Enhancement Rate. Withdrawals reduce the Protected Income Base, Enhancement Value and Enhancement Base as discussed below. The reduction to the Protected Income Base, Enhancement Value and the Enhancement Base could be more than the dollar amount of the withdrawal. Withdrawals less than or equal to the Protected Annual Income amount will not reduce the Protected Income Base, Enhancement Value or Enhancement Base.

Rider elections on and after June 11, 2018, and prior to ____, 2022. You are eligible for an increase in the Protected Income Base through an Enhancement on each Benefit Year anniversary if:

a.	the Annuitant (single life option) or the Annuitant and Secondary Life (joint life option) are under age 86;

b.	there were no withdrawals in the preceding Benefit Year;

c.	the rider is within the Enhancement Period (described below);

d.	the Protected Income Base after the Enhancement amount is added would be greater than the Protected Income Base after the Account Value Step-up; and

e.	the Enhancement Base is greater than zero.

The Enhancement equals the Enhancement Base or the Protected Income Base (depending on the rider purchase date), minus Purchase Payments received in the preceding Benefit Year, multiplied by the Enhancement Rate. The Protected Income Base and the Enhancement Base are not reduced by Purchase Payments received in the first 90 days after the rider effective date.

Enhancement Period. This section is replaced in its entirety by the following paragraph:

The Enhancement Period is a 10-year period that begins on the effective date of the rider.

•	Rider elections prior to June 11, 2018 and on and after _____ , 2022, have only one 10-year Enhancement Period. The Enhancement Period does not reset, and Enhancements are not available once the Enhancement Period has expired.

•

Riders elected on and after June 11, 2018, and prior to______, 2022, have multiple Enhancement Periods that reset immediately following an Account Value Step-up. If during any Enhancement Period there are no Account Value Step-ups, the Enhancements will stop at the end of the Enhancement Period and will not restart until the next Benefit Year anniversary following the Benefit Year anniversary upon which an Account Value Step-up occurs.

Account Value Step-ups. The following disclosure replaces the first two paragraphs of this section:

For riders elections on and after ____, 2022, the Protected Income Base will increase up to equal the highest Contract Value on each Benefit Year anniversary if:

the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and spouse (joint life option) are under age 86; and

the Account Value Step-up is greater than the Enhancement Value on the same Benefit Year anniversary.

The Account Value Step-up will not increase the Enhancement Base or the Enhancement Value and is available even in those years when a withdrawal has occurred.

For riders elections prior to ____, 2022, the Protected Income Base will increase up to equal the highest Contract Value on each Benefit Year anniversary if:

the Contractowner/Annuitant (single life option), or the Contractowner/Annuitant and spouse (joint life option) are under age 86; and

the Contract Value on that Benefit Year anniversary, after the deduction of any withdrawals (including surrender charges, the protected lifetime income fee and account fee), plus any Purchase Payments made on that date, is equal to or greater than the Protected Income after an Enhancement (if any).

For riders elected on or after June 11, 2018, and prior to ____, 2022, each time the Account Value Step-up occurs, a new Enhancement Period starts. The Account Value Step-up is available even in years when a withdrawal has occurred.

Termination. The following information is added to this section: For riders elections on and after ____, 2022, the termination of your rider will not result in any increase in Contract Value equal to the Protected Income Base, Enhancement Base or Enhancement Value.

Please keep this supplement for future reference.

The Lincoln National Life Insurance Company

VARIABLE ANNUITY LIVING BENEFITS RIDER

This optional Rider is made a part of the entire Contract to which it is attached. Except as stated in this Rider, it is subject to all provisions contained in the Contract. In case of any conflict between the provisions of the Contract and this Rider, the provisions of this Rider will control. Coverage under this Rider begins on the Rider Date shown on the Rider Specifications.

SUMMARY OF RIDER PROVISIONS

This Rider provides a Guaranteed Minimum Withdrawal Benefit and a Guaranteed Income Benefit.

GUARANTEED MINIMUM WITHDRAWAL BENEFIT. The GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision describes the benefit that the Owner may withdraw, each Benefit Year, an amount up to the Protected Annual Income, for the lifetime of a Measuring Life, if certain conditions are met as described in this Rider. The Protected Annual Income is a percentage of the Protected Income Base.

GUARANTEED INCOME BENEFIT. The GUARANTEED INCOME BENEFIT provision describes a minimum Guaranteed Income Benefit that is payable when the Owner elects to begin receiving Periodic Income Payments under the Variable Annuity Payment Option Rider, which is also attached to the Contract.

To receive the Guaranteed Income Benefit under this Rider, the Owner must discontinue the benefit provided under the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision and elect to begin receiving Periodic Income Payments payable under the Variable Annuity Payment Option Rider.

INTERACTION WITH THE VARIABLE ANNUITY PAYMENT OPTION RIDER

The Owner may not elect to begin receiving variable Periodic Income Payments payable under the Variable Annuity Payment Option Rider attached to the Contract unless:

(a)

this Rider has terminated but the Contract to which it is attached is still in effect; and

(b)

the GUARANTEED INCOME BENEFIT provision of this Rider is concurrently effective.

Once the Owner elects to begin receiving Periodic Income Payments payable under the Variable Annuity Payment Option Rider and the GUARANTEED INCOME BENEFIT of this Rider is concurrently effective, the Owner must terminate both this Rider and the Guaranteed Income Benefit concurrently to terminate the Variable Annuity Payment Option Rider and the Guaranteed Income Benefit.

ADDITIONAL PURCHASE PAYMENT RESTRICTION

Subject to any further limitations stated in the Contract to which this Rider is attached and the Maximum Protected Income Base Limit, cumulative additional Purchase Payments after the first Benefit Year may not equal or exceed the Additional Purchase Payment Restriction Limit without Our prior approval.

No additional Purchase Payments will be approved and added to the Contract:

(a)	after the Variable Annuity Payment Option Rider and the GUARANTEED INCOME BENEFIT provision are concurrently effective; or

(b)	if the Contract Value is $0.

The Maximum Protected Income Base Limit and Additional Purchase Payment Restriction Limit are shown on the Rider Specifications.

DEFINITIONS

All definitions found in the Contract are incorporated by reference and have the same meaning as they do in the Contract, including other riders, endorsements, or amendments.

Access Period is applicable only while the GUARANTEED INCOME BENEFIT provision and Variable Annuity Payment Option Rider are in effect. It is a defined period selected by the Owner during which We make Periodic Income Payments under the Variable Annuity Payment Option Rider. The Owner will continue to have access to the Account Value and a Death Benefit is payable during the Access Period.

Annuitant is the Natural Person used to determine the benefits if the Measuring Life Option is Single. The Annuitant is one of two Natural Persons used to determine the benefits if the Measuring Life Option is Joint. The Contract may only have one Annuitant. The Annuitant may not be changed.

Benefit Year is applicable only while the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect. It means each 12-month period starting with the Rider Date shown on the Rider Specifications and each Rider Date Anniversary thereafter.

Code is the Internal Revenue Code of 1986, as amended.

Company, Our, Us, and We refers to The Lincoln National Life Insurance Company.

Lifetime Income Period is applicable only while the GUARANTEED INCOME BENEFIT provision and Variable Annuity Payment Option Rider are in effect. It is the period that begins after the Access Period ends as described under the Variable Annuity Payment Option Rider, provided the Annuitant or the Secondary Life, if any, is still living and the Contract has not been surrendered. The Owner will not have access to the Account Value and a Death Benefit is not payable during the Lifetime Income Period.

Measuring Life(Lives) is/are the Natural Person(s) used to determine the benefits under this Rider. Measuring Life includes any Annuitant, Owner, Joint Owner, and Secondary Life, subject to the Measuring Life Option elected.

Measuring Life Option indicates how many Natural Persons are used to determine the benefits under this Rider. Under the Single Measuring Life Option, the Annuitant is used to determine the benefits under this Rider. Under the Joint Measuring Life Option, the Annuitant and the Secondary Life are used to determine the benefits under this Rider. The Measuring Life Option may not be changed after the Rider Date. The Measuring Life Option is shown on the Rider Specifications.

Natural Person is a human being.

Non-Natural Person, for purposes of this Rider, includes a trust, corporation, partnership, or association.

Periodic Income Payment is applicable only while the GUARANTEED INCOME BENEFIT provision and Variable Annuity Payment Option Rider are in effect. Periodic Income Payments are the variable amounts payable under the Variable Annuity Payment Option Rider to an Owner, or an Owner’s designee. At the time the Variable Annuity Payment Option Rider is elected, an Owner must select one of the following Periodic Income Payment Modes: monthly, quarterly, semi-annually, or annually. The Initial Periodic Income Payment Mode selected is shown on the Contract Benefit Data page(s).

Purchase Payments, for the purpose of this Rider, mean the amounts paid into the Contract by the Owner including Bonus Credits, if any, before deduction of any Sales Charges. Bonus Credits and Sales Charges, if any, are shown on the Contract Specifications.

Rider Date Anniversary is applicable only while the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect. It is the same calendar day as the Rider Date, each subsequent calendar year, if such date is a Valuation Date. If during any calendar year, the calendar day is not a Valuation Date, the Rider Date Anniversary will be the first Valuation Date following such calendar day and any transactions that should have occurred on the Rider Date Anniversary will be processed by Us on that Valuation Date.

A quarterly anniversary of the Rider Date is the same calendar day as the Rider Date of every third month following the previous Rider Date, if such date is a Valuation Date. If the day is not a Valuation Date, any transactions that should have occurred on the quarterly anniversary will be processed by Us on the first Valuation Date following that quarterly anniversary.

Secondary Life means the second Natural Person, if any, used to determine the benefits under this Rider if the Measuring Life Option is Joint. The Secondary Life may not be changed. The Secondary Life may also be considered a joint annuitant, solely for the purposes of being a Measuring Life under this Rider and not for any other purposes in the Contract or any other Rider attached to the Contract.

Systematic Required Minimum Distributions are applicable only while the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect. They are systematic monthly or quarterly installments withdrawn via Our automatic withdrawal service of the amount needed to satisfy the required minimum distribution as determined by Us in accordance with Code Section 401(a)(9)(A), as amended, for the Contract to which this Rider is attached.

Withdrawal is the gross amount of a Withdrawal before any applicable charges and fees. While the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect, Withdrawals are Conforming Withdrawals or Excess Withdrawals. While the GUARANTEED INCOME BENEFIT provision and Variable Annuity Payment Option Rider are in effect, Withdrawals are all additional amounts from the Account Value requested by the Owner, other than Periodic Income Payments. Any Withdrawal that otherwise is a Conforming Withdrawal, but that is not made payable to the original Owner or the original Owner’s bank account, or to the original Annuitant or the original Annuitant’s bank account (if the Owner is a Non-Natural Person), will be treated as an Excess Withdrawal. Under the Joint Measuring Life Option, if the Owner is a Non-Natural Person, upon the death of the original Annuitant where the Secondary Life continues the Contract, any Withdrawal that otherwise is a Conforming Withdrawal, but is not made payable to the succeeding Annuitant or the succeeding Annuitant’s bank account, will be treated as an Excess Withdrawal.

Conforming Withdrawals are all Withdrawals to the extent that the cumulative amount withdrawn (including the current Withdrawal) from the Contract in that Benefit Year is equal to or less than the Protected Annual Income. If the Owner receives only Systematic Required Minimum Distributions during a Benefit Year, all Systematic Required Minimum Distributions during that Benefit Year will be treated as Conforming Withdrawals. However, if a Withdrawal other than Systematic Required Minimum Distributions occurs during a Benefit Year, then that Withdrawal and any subsequent Withdrawals, including Systematic Required Minimum Distributions, will be treated as Excess Withdrawals to the extent that the cumulative amount withdrawn in that Benefit Year exceeds the Protected Annual Income.

Excess Withdrawals are all Withdrawals to the extent that the cumulative amount withdrawn (including the current Withdrawal) from the Contract in that Benefit Year exceeds each Conforming Withdrawal. If any Measuring Life is younger than the Protected Annual Income Age shown on the Rider Specifications, all Withdrawals are Excess Withdrawals.

GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVISION

This GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision:

(a)	describes the conditions that must be met before the Owner may withdraw, each Benefit Year, a percentage of the Protected Income Base, up to the Protected Annual Income, for the lifetimes of all Measuring Lives; and

(b)	is effective from the Rider Date until this Rider terminates or upon the Owner’s election of the Variable Annuity Payment Option Rider and commencement of the GUARANTEED INCOME BENEFIT provision of this Rider.

EFFECT OF DEATH WHEN THE GUARANTEED MINIMUM WITHDRAWAL BENEFIT PROVISION IS IN EFFECT. This Rider will terminate on the death of the Annuitant if the Measuring Life Option is Single. Upon the first death of a Measuring Life if the Measuring Life Option is Joint, the Owner may continue the Contract and this Rider in force under the Joint Measuring Life Option. If so continued, the Protected Annual Income will continue for the life of the surviving Measuring Life. Upon the death of the surviving Measuring Life, this Rider will terminate.

PROTECTED INCOME BASE

The Protected Income Base is the value used to calculate the Protected Annual Income, the Protected Lifetime Income Fee amounts and may determine the initial Guaranteed Income Benefit. The Protected Income Base value is distinct from the Contract Value and is not used to calculate the cash surrender value, Death Benefit, or other guaranteed paid-up annuity benefits under the Contract.

If the Rider Date is the Contract Date, the initial Protected Income Base will be equal to the initial Purchase Payment. If the Rider Date is after the Contract Date, the initial Protected Income Base will be equal to the Contract Value on the Rider Date.

On a Rider Date Anniversary, the Protected Income Base may be adjusted by an Enhancement or an Account Value lock in as described in the PROTECTED INCOME BASE ON EACH RIDER ANNIVERSARY provisions of this Rider. Otherwise, the Protected Income Base may be adjusted by:

(a)

an additional Purchase Payment. The Protected Income Base will be increased by the amount of the additional Purchase Payment on the Valuation Date it is approved and added to the Contract. Additional Purchase Payments may increase the Protected Lifetime Income Fee rate if the cumulative Purchase Payments approved and added to the Contract after the first Benefit Year is equal to or exceeds the Additional Purchase Payment Restriction Limit shown on the Rider Specifications, and

(b)	an Excess Withdrawal. Upon an Excess Withdrawal, the Protected Income Base will be reduced in the same proportion that the Excess Withdrawal reduced the Contract Value. The Protected Income Base will not be reduced by each Conforming Withdrawal.

On the Valuation Date the Protected Income Base is reduced to $0 after an Excess Withdrawal, this Rider and the Contract to which it is attached will terminate.

ENHANCEMENT BASE. The Enhancement Base is the value used to calculate the Enhancement Value. The initial Enhancement Base is equal to the initial Protected Income Base. Neither the Enhancement Base nor the Enhancement Value are used to calculate the cash surrender value, Death Benefit, or other guaranteed paid-up annuity benefits under the Contract.

The Enhancement Base is adjusted by:

(a)

an additional Purchase Payment. The Enhancement Base will be increased by the amount of an additional Purchase Payment that has been approved and added to the Contract for at least one Benefit Year (except that a Purchase Payment approved and added to the Contract within the first 90 days after the Rider Date will increase the Enhancement Base on the Valuation Date it is approved and added to the Contract); and

(b)	an Excess Withdrawal. Upon an Excess Withdrawal, the Enhancement Base will be reduced in the same proportion that the Excess Withdrawal reduced the Contract Value. The Enhancement Base will not be reduced by each Conforming Withdrawal.

MAXIMUM PROTECTED INCOME BASE. The Protected Income Base is subject to the Maximum Protected Income Base Limit shown on the Rider Specifications. The Maximum Protected Income Base Limit is the combined Protected Income Base values, Protected Amount values, Income Base values, Guaranteed Amount and other guaranteed amounts for all Company annuity contracts and annuity riders, including annuity contracts with an affiliated company, where the Owner is the same or for which the Annuitant or Secondary Life, if applicable, is a Measuring Life or Owner.

If the Maximum Protected Income Base Limit is exceeded, the Protected Income Base values, Protected Amount values, Income Base values Guaranteed Amount and other guaranteed amounts for each applicable annuity contract and annuity rider will be reduced proportionately until the combined amount values do not exceed the Maximum Protected Income Base Limit.

The Protected Amount, Income Base and Guaranteed Amount are the values used to calculate the amounts available for the Protected Annual Income, Guaranteed Annual Income or Maximum Annual Withdrawal and determine the rider charges or Protected Lifetime Income Fees under a Company annuity contract or an annuity rider, including annuity contracts with an affiliated company. The Protected Income Base under this Rider means the Protected Amount, Income Base or Guaranteed Amount for the purposes of calculating the Protected Amount maximum, Income Base maximum or Guaranteed Amount maximum for such Company annuity contract or an annuity rider, including annuity contracts with an affiliated company.

PROTECTED INCOME BASE ON EACH RIDER ANNIVERSARY

On the Rider Date Anniversary, the Protected Income Base will be the greater of (A), (B) or (C), where:

is the Protected Income Base on the Rider Date Anniversary immediately prior to any Rider Date Anniversary adjustment.

is the Enhancement Value as described in the ENHANCEMENT provision of this Rider.

is the Contract Value as determined by an Account Value lock in described in the ACCOUNT VALUE LOCK IN provision of this Rider.

ENHANCEMENT. An Enhancement will increase the Protected Income Base to equal the Enhancement Value, if all the conditions in this provision are satisfied. On the Rider Date Anniversary, any Protected Lifetime Income Fee due is deducted and an Account Value lock in is calculated after the Enhancement Value is calculated.

The initial Enhancement Value on the first Rider Date Anniversary is the sum of (A) and ((A) multiplied by (B)), where:

A is the Enhancement Base.

B is the Enhancement Rate shown on the Rider Specifications.

On each subsequent Rider Date Anniversary thereafter, the Enhancement Value established on the previous Rider Date Anniversary is increased by an amount equal to the Enhancement Base multiplied by the Enhancement Rate shown on the Rider Specifications.

The Enhancement Value is increased by the amount of an additional Purchase Payment on the Valuation Date it is approved and added to the Contract and is reduced by all Excess Withdrawals made during the preceding Benefit Year in the same proportion that the Excess Withdrawals reduced the Contract Value.

We will calculate the Enhancement Value on each Rider Date Anniversary if the preceding Benefit Year is during the Enhancement Period shown on the Rider Specifications, except if a Withdrawal occurred in that Benefit Year. However, the Enhancement will occur on a Rider Date Anniversary only if all the following conditions are satisfied:

(a)	the preceding Benefit Year is during the Enhancement Period shown on the Rider Specifications; and

(b)	no Withdrawal occurred in the preceding Benefit Year; and

(c)	all Measuring Lives are under the Enhancement Maximum Age shown on the Rider Specifications; and

(d)	the Enhancement Value is greater than an Account Value lock in that may have occurred and been accepted on the same Rider Date Anniversary; and

(e)	the Enhancement Value is greater than the Protected Income Base immediately prior to a Rider Date Anniversary adjustment.

The Protected Lifetime Income Fee rate does not increase after an Enhancement.

ACCOUNT VALUE LOCK IN. An Account Value lock in will increase the Protected Income Base to equal the Contract Value. The Account Value lock in will not increase the Enhancement Base or the Enhancement Value.

On a Rider Date Anniversary, We will compare the Contract Value to the Protected Income Base and an Account Value lock in will occur if all the following conditions are satisfied:

(a)	the Contract Value is greater than the Protected Income Base immediately prior to a Rider Date Anniversary adjustment; and

(b)	all Measuring Lives are under the Account Value lock in Maximum Age shown on the Rider Specifications; and

(c)	the Account Value lock in is greater than the Enhancement Value on the same Rider Date Anniversary.

The Account Value lock in may increase the Protected Lifetime Income Fee rate to the Protected Lifetime Income Fee rate currently in effect if such rate is higher than the current Protected Lifetime Income Fee rate. The new Protected Lifetime Income Fee rate will never exceed the Guaranteed Maximum Annual Protected Lifetime Income Fee Rate shown on the Rider Specifications.

If the Protected Lifetime Income Fee rate increases, the Owner may decline the Account Value lock in by Notice to Us within 30 days of the effective date of the increase. If the Owner does not decline the Account Value lock in within 30 days of the effective date of the increase, the increase to the Protected Income Base will be deemed accepted by the Owner.

If the Owner declines the Account Value lock in, the Protected Income Base will be the Protected Income Base immediately prior to when the Account Value lock in was determined.

The Owner will be eligible for future Account Value lock ins after declining an Account Value lock in.

PROTECTED ANNUAL INCOME

The Protected Annual Income is the amount that may be withdrawn from the Contract by the Owner, each Benefit Year, as a Conforming Withdrawal once all Measuring Lives are greater or equal to the Protected Annual Income Age shown on the Rider Specifications. If the Measuring Life Option is Joint, the Protected Annual Income available is based on the attained age of the younger or surviving Measuring Life. The Protected Annual Income may be withdrawn during the lifetimes of all Measuring Lives until the Protected Annual Income or Protected Income Base are reduced to $0. The Protected Annual Income may also be continued for the lifetimes of all Measuring Lives if the conditions described in the PROTECTED ANNUAL INCOME ANNUITY PAYMENT OPTION or CONTRACT VALUE REDUCES TO $0 provisions are satisfied.

Any part of the Protected Annual Income not taken during a given Benefit Year cannot be taken in a subsequent Benefit Year without causing an Excess Withdrawal.

When the Protected Income Base is adjusted by an Account Value lock in, an Enhancement, an additional Purchase Payment approved and added to the Contract or an Excess Withdrawal, the Protected Annual Income will be recalculated to equal the applicable Protected Annual Income Rate multiplied by the new Protected Income Base. On each Rider Date Anniversary when either an Account Value lock in is accepted or if an Enhancement occurs, the Protected Annual Income is recalculated before any other transactions are processed. The Protected Annual Income is increased by an additional Purchase Payment on the Valuation Date the Purchase Payment is approved and added to the Contract and reduced by an Excess Withdrawal on the Valuation Date the Withdrawal is taken.

The initial Protected Annual Income is calculated by the Protected Annual Income Rate that corresponds to the attained age of the Measuring Life on the Valuation Date of the first Conforming Withdrawal. If the Measuring Life Option is Joint, the Protected Annual Income Rate used to calculate the initial Protected Annual Income will be the rate that corresponds to the attained age of the younger or surviving Measuring Life on the Valuation Date of the first Conforming Withdrawal.

After the initial Protected Annual Income is calculated, the Protected Annual Income Rate will not change, except if an Account Value lock in occurs and is accepted, the Protected Annual Income Rate used to recalculate the new Protected Annual Income will be the rate that corresponds to the attained age of the applicable Measuring Life on the Valuation Date of the Account Value lock in.

MAXIMUM PROTECTED ANNUAL INCOME. The combined Protected Annual Income (including any guaranteed amounts, Guaranteed Annual Income amount, Protected Annual Income amount and Maximum Annual Withdrawal amount) for all Company annuity contracts, including annuity contracts with an affiliated company, for which the Annuitant or Secondary Life, if applicable, is a Measuring Life or Owner, is subject to the Protected Annual Income Rate used when the Protected Annual Income was last determined multiplied by the Maximum Protected Income Base.

The Guaranteed Annual Income, Protected Annual Income or Maximum Annual Withdrawal amount are the amounts that may be withdrawn from a Company annuity contract or an annuity rider by the Owner each Benefit Year. The Protected Annual Income under this Rider means the Guaranteed Annual Income amount, Protected Annual Income amount for the purposes of calculating the Guaranteed Annual Income maximum or Protected Annual Income maximum, including any Maximum Annual Withdrawal amount, for such Company annuity contract or an annuity rider, including annuity contracts with an affiliated company.

CONTRACT VALUE REDUCES TO $0

On the Valuation Date the Contract Value reduces to $0, if:

(a)

the Protected Income Base is not $0; and

(b)

the Contract has not been surrendered or assigned for value;

the Protected Annual Income will continue for the lifetimes of all Measuring Lives and a quarterly Protected Lifetime Income Fee will no longer apply.

The Owner may elect to receive the Protected Annual Income at any frequency We offer, subject to Our minimum payment amount rules then in effect, but no less frequently than annually.

If the Contract Value is $0, no Death Benefit will be paid.

PROTECTED ANNUAL INCOME ANNUITY PAYMENT OPTION

The Protected Annual Income Annuity Payment Option may be irrevocably elected by the Owner upon Notice to Us, provided the Contract has not been surrendered or assigned for value. If elected, the Owner will receive payment equal to the Protected Annual Income each Benefit Year for the lifetimes of all Measuring Lives and a quarterly Protected Lifetime Income Fee will no longer apply. The Owner may elect to receive the Protected Annual Income at any frequency We offer, subject to Our minimum payment amount rules then in effect, but no less frequently than annually.

If this Protected Annual Income Annuity Payment Option is in effect no Death Benefit will be paid.

GUARANTEED INCOME BENEFIT

This GUARANTEED INCOME BENEFIT provision:

(a)

is effective upon the concurrent Variable Annuity Payment Option Rider Date and irrevocable termination of the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision of this Rider. The Variable Annuity Payment Option Rider Date is shown on the Contract Benefit Data Page(s) issued when the Owner elects the benefits under the Variable Annuity Payment Option Rider.

(b)	provides that the minimum amount payable for each variable Periodic Income Payment made under the Variable Annuity Payment Option Rider is guaranteed not to fall below the Guaranteed Income Benefit.

The Guaranteed Income Benefit and the Periodic Income Payments under the Variable Annuity Payment Option Rider are calculated on the Periodic Income Commencement Date shown on the Contract Benefit Data page(s) issued upon the Owner’s election of benefits under the Variable Annuity Payment Option Rider. The amount payable for each variable Periodic Income Payment under the Variable Annuity Payment Option Rider, will be the greater of the Periodic Income Payment determined under the Variable Annuity Payment Option Rider or the Guaranteed Income Benefit determined under this Rider. The initial Guaranteed Income Benefit is shown on the Contract Benefit Data Page(s).

For Non-qualified contracts, an Owner must elect to adjust the Periodic Income Payments payable under the Variable Annuity Payment Option Rider on an annual basis (‘LevelPay’).

ELIGIBILITY LIMITATIONS. The commencement of Periodic Income Payments under the Variable Annuity Payment Option Rider is available subject to the following maximum and minimum Variable Annuity Payment Option Rider age requirement, minimum Access Period limits and the required Assumed Investment Rate:

(a)

For Non-qualified contracts, if the Measuring Life Option is Joint, the younger or surviving Measuring Life’s age shall be subject to the maximum and minimum Variable Annuity Payment Option Rider age requirement. For Qualified contracts, if the Measuring Life Option is Joint, the current Owner’s age shall be subject to the maximum and minimum Variable Annuity Payment Option Rider age requirement; and

(b)	The minimum Access Period as shown on the Rider Specifications; and

(c)	The Assumed Investment Rate used to calculate the Periodic Income Payments under the Variable Annuity Payment Option Rider. The rate may be referred to as Assumed Investment Return or Assumed Interest Rate.

DETERMINING THE INITIAL GUARANTEED INCOME BENEFIT. The initial Guaranteed Income Benefit will be (A) multiplied by the greater of (B) or (C), where:

is the Initial Guaranteed Income Benefit Percentage as shown on the Initial Guaranteed Income Benefit Percentage Table. The Initial Guaranteed Income Benefit Percentage is the percentage that corresponds to the attained age of the Measuring Life on the Valuation Date of the first Periodic Income Payment under the Variable Annuity Payment Option Rider. If the Measuring Life Option is Joint, the Initial Guaranteed Income Benefit Percentage is the percentage that corresponds to the attained age of the younger or surviving Measuring Life on the Valuation Date of the first Periodic Income Payment under the Variable Annuity Payment Option Rider; and

is the Protected Income Base minus all Conforming Withdrawals after the most recently accepted Account Value lock in of the Protected Income Base under the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision. If no Account Value lock in has been accepted, (B) is the Protected Income Base minus all Conforming Withdrawals; and

is the Contract Value on the Valuation Date of the first Periodic Income Payment under the Variable Annuity Payment Option Rider.

GUARANTEED INCOME BENEFIT STEP-UP DATE. A Guaranteed Income Benefit Step-Up Date is the date on which a Guaranteed Income Benefit Step-Up may occur as described in the AUTOMATIC STEP-UP OF THE GUARANTEED INCOME BENEFIT provision of this Rider.

For Non-qualified contracts, a Guaranteed Income Benefit Step-Up Date is the first Valuation Date on or after the Periodic Income Commencement Date anniversary of each one-year period measured from the Periodic Income Commencement Date.

For Qualified contracts, the first Guaranteed Income Benefit Step-Up Date is the Valuation Date of the first Periodic Income Payment in the first calendar year following the Periodic Income Commencement Date. Subsequent Guaranteed Income Benefit Step-Up Dates will be the Valuation Date of the first Periodic Income Payment in the calendar year, every subsequent one-year period.

AUTOMATIC STEP-UP OF THE GUARANTEED INCOME BENEFIT (GUARANTEED INCOME BENEFIT STEP-UP). A Guaranteed Income Benefit Step-Up will occur on the Guaranteed Income Benefit Step-Up Date if (A) is greater than (B), where:

is the Periodic Income Payment determined under the Variable Annuity Payment Option Rider on the Guaranteed Income Benefit Step-Up Date multiplied by the Guaranteed Income Benefit Step-up Percentage shown on the Rider Specifications; and

is the Guaranteed Income Benefit on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date.

On each Guaranteed Income Benefit Step-Up, the Protected Lifetime Income Fee rate may be adjusted pursuant to the PROTECTED LIFETIME INCOME FEE DURING THE GUARANTEED INCOME BENEFIT provision of this Rider. If the Protected Lifetime Income Fee rate is increased, the Owner may decline the Guaranteed Income Benefit Step-Up by Notice to Us within 30 days of the effective date of the Guaranteed Income Benefit Step-Up.

If the Owner does decline the Guaranteed Income Benefit Step-Up, upon Our receipt of Notice from the Owner:

(a)	the Guaranteed Income Benefit will be the Guaranteed Income Benefit on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date, subject to adjustments for Withdrawals; and

(b)	the Protected Lifetime Income Fee rate will decrease to the Protected Lifetime Income Fee rate in effect on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date; and

(c)	the Protected Lifetime Income Fee will decrease to the Protected Lifetime Income Fee in effect on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date, subject to adjustments for Withdrawals.

If the Owner does not decline the Guaranteed Income Benefit Step-Up within 30 days of the effective date of the Guaranteed Income Benefit Step-Up, the Guaranteed Income Benefit Step-Up will be deemed accepted by the Owner.

Future Automatic Step-Ups of the Guaranteed Income Benefit will occur if the Owner has previously declined a Guaranteed Income Benefit Step-Up.

ADJUSTMENTS TO THE GUARANTEED INCOME BENEFIT. Each Withdrawal will reduce the Guaranteed Income Benefit in the same proportion as the amount taken reduces the Account Value on the Valuation Date of the Withdrawal. Payment of a Periodic Income Payment, whether equal to the Guaranteed Income Benefit or the Periodic Income Payment determined under the Variable Annuity Payment Option Rider, is not a Withdrawal and does not reduce the Guaranteed Income Benefit.

An increase in the length of the Access Period established under the Variable Annuity Payment Option Rider will not result in an adjustment to the Guaranteed Income Benefit. Any increase in the length of the Access Period is subject to a five-year minimum increase.

EFFECT OF THE PROTECTED LIFETIME INCOME FEE AND GUARANTEED INCOME BENEFIT DURING THE ACCESS PERIOD. During the Access Period established under the Variable Annuity Payment Option Rider, Protected Lifetime Income Fees and payment of the Periodic Income Payment whether equal to the Guaranteed Income Benefit or the Periodic Income Payment determined under the Variable Annuity Payment Option Rider, reduce the Account Value.

If the Account Value is reduced to $0, the Access Period will end and the Lifetime Income Period under the Variable Annuity Payment Option Rider will begin on the Valuation Date the Account Value equals $0. Each subsequent Periodic Income Payment during the Lifetime Income Period will be equal to the Guaranteed Income Benefit, each subsequent Protected Lifetime Income Fee will be $0, and the EFFECT OF GUARANTEED INCOME BENEFIT DURING THE LIFETIME INCOME PERIOD and the EFFECT OF THE PROTECTED LIFETIME INCOME FEE DURING THE LIFETIME INCOME PERIOD provisions of this Rider shall not apply.

EFFECT OF GUARANTEED INCOME BENEFIT DURING THE LIFETIME INCOME PERIOD. During the Lifetime Income Period established under the Variable Annuity Payment Option Rider, provided the Contract has not been assigned for value, if a Periodic Income Payment determined under the Variable Annuity Payment Option Rider is less than the Guaranteed Income Benefit, the excess of the Guaranteed Income Benefit attributable to the Variable Account over the Periodic Income Payment attributable to the Variable Account determined under the Variable Annuity Payment Option Rider will reduce the number of Annuity Units per Variable Subaccount payable in each subsequent Periodic Income Payment.

The reduction to the number of Annuity Units per payment will be determined by: (A) divided by (B) then the result further divided by (C), where:

is the amount of the excess of the Guaranteed Income Benefit attributable to the Variable Account over the Periodic Income Payment determined under the Variable Annuity Payment Option Rider attributable to the Variable Account; and

is the applicable Annuity Factor; and

is the Annuity Unit value as of the Valuation Date of the Periodic Income Payment.

During the Lifetime Income Period, if a Periodic Income Payment determined under the Variable Annuity Payment Option Rider is less than the Guaranteed Income Benefit, the excess of the Guaranteed Income Benefit attributable to the Fixed Account over the Periodic Income Payment attributable to the Fixed Account determined under the Variable Annuity Payment Option Rider will reduce the resulting annual amount determined for the Fixed Account payable in each subsequent Periodic Income Payment.

The reduction in the resulting annual amount determined for the Fixed Account (prior to multiplying by the Interest Adjustment Factor and dividing by the Daily Factor) will be determined by: (A) divided by (B), where:

is the amount of the excess of the Guaranteed Income Benefit attributable to the Fixed Account over the Periodic Income Payment attributable to the Fixed Account; and

is the applicable Annuity Factor.

If payment of the Guaranteed Income Benefit reduces the number of Annuity Units per Variable Subaccount to zero and the resulting annual amount determined for the Fixed Account to zero during the Lifetime Income Period, then each subsequent Periodic Income Payment during the remainder of the Lifetime Income Period will equal the Guaranteed Income Benefit. In addition, each subsequent Protected Lifetime Income Fee will be $0.

EFFECT OF THE PROTECTED LIFETIME INCOME FEE DURING THE LIFETIME INCOME PERIOD. The Protected Lifetime Income Fee attributable to each Variable Subaccount will reduce the number of Annuity Units per Variable Subaccount used to calculate the Periodic Income Payments during the Lifetime Income Period. The Protected Lifetime Income Fee attributable to the Fixed Account will reduce the Periodic Income Payments during the Lifetime Income Period.

If the Protected Lifetime Income Fee reduces both the number of Annuity Units per Variable Subaccount to zero and the resulting annual amount determined for the Fixed Account to zero during the Lifetime Income Period, then each subsequent Periodic Income Payment during the remainder of the Lifetime Income Period will equal the Guaranteed Income Benefit. In addition, each subsequent Protected Lifetime Income Fee will be $0.

QUALIFIED CONTRACTS – VARIABLE ACCOUNT. At the end of the Access Period and on the Valuation Date of the first Periodic Income Payment of each subsequent calendar year, the Annuity Units per Variable Subaccount will be reduced to reflect the Protected Lifetime Income Fee deduction from the Variable Subaccount.

The Annuity Units reduction reflecting the Protected Lifetime Income Fee for the period from the end of the Access Period to the end of that calendar year will be determined by (A) divided by (B) then the result divided by (C) where:

is the pro-rated annual Protected Lifetime Income Fee for the period from the end of the Access Period to the end of that calendar year; and

is the applicable Annuity Factor; and

is the Annuity Unit value as of the Valuation Date of the end of the Access Period

On the Valuation Date of the first Periodic Income Payment of each subsequent calendar year, the Annuity Units per Variable Subaccount reduction reflecting the Protected Lifetime Income Fee will be determined by (A) divided by (B) then the result further divided by (C) where:

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor; and

is the Annuity Unit value for each Variable Subaccount as of the Valuation Date of the first Periodic Income Payment of that calendar year.

NONQUALIFIED CONTRACTS – VARIABLE ACCOUNT. At the end of the Access Period and each Periodic Income Commencement Date anniversary, the Annuity Units per Variable Subaccount will be reduced to reflect the Protected Lifetime Income Fee deduction from the Variable Subaccount. This reduction will be determined by (A) divided by (B) then the result further divided by (C) where:

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor; and

is the Annuity Unit value as of the Valuation Date of the first Periodic Income Payment and each subsequent anniversary.

QUALIFIED CONTRACTS – FIXED ACCOUNT. At the end of the Access Period and on the Valuation Date of the first Periodic Income Payment of each subsequent calendar year, the resulting annual amount determined for the Fixed Account, prior to being converted into the Periodic Income Payments, will be reduced to reflect the Protected Lifetime Income Fee deduction from the Fixed Account.

At the end of the Access Period, the reduction in the resulting annual amount determined for the Fixed Account (prior to multiplying by the Interest Adjustment Factor and dividing by the Daily Factor) reflecting the Protected Lifetime Income Fee for the period from the end of the Access Period for the remainder of that calendar year will be determined by (A) divided by (B), where:

is the pro-rated annual Protected Lifetime Income Fee for the period from the end of the Access Period for the remainder of that calendar year; and

is the applicable Annuity Factor.

On the Valuation Date of the first Periodic Income Payment of each subsequent calendar year, the reduction in the resulting annual amount determined for the Fixed Account (prior to being converted into the Periodic Income Payments) reflecting the Protected Lifetime Income Fee will be determined by (A) divided by (B), where:

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor.

NONQUALIFIED CONTRACTS – FIXED ACCOUNT. At the end of the Access Period and each Periodic Income Commencement Date anniversary, the resulting annual amount determined for the Fixed Account (prior to being converted into the Periodic Income Payments) will be reduced to reflect the Protected Lifetime Income Fee deduction from the Fixed Account. This reduction will be determined by (A) divided by (B), where:

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor.

PROTECTED LIFETIME INCOME FEE

The Initial Annual Protected Lifetime Income Fee Rate shown on the Rider Specifications is divided by four to calculate the initial quarterly Protected Lifetime Income Fee rate. The Protected Lifetime Income Fee rate may change, but the annual Protected Lifetime Income Fee rate will never exceed the Guaranteed Maximum Annual Protected Lifetime Income Fee Rate shown on the Rider Specifications.

At any time 10 years after the Rider Date, while either the GUARANTEED MINIMUM WITHDRAWAL BENEFIT or the GUARANTEED INCOME BENEFIT provision is in effect, We reserve the right to review and adjust the current Protected Lifetime Income Fee rate. The review will occur no more frequently than once annually and any decision to adjust the Protected Lifetime Income Fee rate will be at Our discretion, subject to the Guaranteed Maximum Protected Lifetime Income Fee Rate shown on the Rider Specifications.

If the adjustment results in an increase to the Protected Lifetime Income Fee rate, the Owner may decline the increase by Notice to Us within 30 days of the effective date of the increase. If the Owner does not decline the increase within 30 days of the effective date of the increase, it will be deemed accepted by the Owner. The Owner will not be eligible for future Account Value lock ins, Enhancements or Guaranteed Income Benefit Step-Ups after declining such increase.

PROTECTED LIFETIME INCOME FEE DURING THE GUARANTEED MINIMUM WITHDRAWAL BENEFIT

DETERMINING THE QUARTERLY PROTECTED LIFETIME INCOME FEE. While the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision of this Rider is in effect, a quarterly Protected Lifetime Income Fee is deducted from the Contract Value on each quarterly anniversary of the Rider Date. If the day is not a Valuation Date, and a Protected Lifetime Income Fee is due, that fee will be deducted on the first Valuation Date following such calendar day. The amount of the quarterly Protected Lifetime Income Fee is the quarterly Protected Lifetime Income Fee rate multiplied by the Protected Income Base, prior to any Rider Date Anniversary adjustment, on the Valuation Date the fee is deducted.

Quarterly Protected Lifetime Income Fees will be deducted from each Variable Subaccount and Fixed Account, if any, on a proportional basis. A pro-rata quarterly Protected Lifetime Income Fee will be recalculated and deducted upon termination of the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision, except if this Rider is terminated due to death.

When the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision terminates upon the election of the GUARANTEED INCOME BENEFIT provision, this pro-rata Protected Lifetime Income Fee will be deducted on the Periodic Income Commencement Date.

ADJUSTMENTS TO THE PROTECTED LIFETIME INCOME FEE RATE ON A RIDER DATE ANNIVERSARY. While the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision of this Rider is in effect, the Protected Lifetime Income Fee rate may change on a Rider Date Anniversary due to:

(a)

an additional Purchase Payment approved and added to the Contract in the Benefit Year preceding the applicable Rider Date Anniversary, if the cumulative Purchase Payments approved and added to the Contract after the first Benefit Year equals or exceeds the Additional Purchase Payment Restriction Limit shown on the Rider Specifications; or

(b)	an Account Value lock in pursuant to the ACCOUNT VALUE LOCK IN provision of this Rider; or

(c)	Our annual review of the current Protected Lifetime Income Fee rate at any time 10 years after the Rider Date.

PROTECTED LIFETIME INCOME FEE DURING THE GUARANTEED INCOME BENEFIT

During the Access Period, the quarterly Protected Lifetime Income Fee is deducted from the Account Value on each quarterly anniversary following the Periodic Income Commencement Date. The amount of the first quarterly Protected Lifetime Income Fee under the GUARANTEED INCOME BENEFIT provision of this Rider is (A) multiplied by the greater of (B) and (C), where:

is the quarterly Protected Lifetime Income Fee rate upon the termination of the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision; and

is the Protected Income Base upon the termination of the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision; and

is the Contract Value upon the termination of the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision.

The quarterly Protected Lifetime Income Fee is deducted from each Variable Subaccount and Fixed Account, if any, on a proportional basis. A pro-rata quarterly Protected Lifetime Income Fee will be deducted upon termination of the Variable Annuity Payment Option Rider and the GUARANTEED INCOME BENEFIT provision, except if this Rider is terminated due to death.

Upon each Withdrawal, the quarterly Protected Lifetime Income Fee will be reduced in the same proportion that the Withdrawal reduced the Account Value.

ADJUSTMENTS TO THE PROTECTED LIFETIME INCOME FEE RATE DURING THE GUARANTEED INCOME BENEFIT. While the GUARANTEED INCOME BENEFIT provision of this Rider is in effect, the Protected Lifetime Income Fee rate may change due to:

(a)	Our annual review of the current Protected Lifetime Income Fee rate at any time 10 years after the Rider Date; or

(b)

a Guaranteed Income Benefit Step-Up. On each Guaranteed Income Benefit Step-Up, the Protected Lifetime Income Fee rate will be changed to the Protected Lifetime Income Fee rate currently in effect, subject to the Guaranteed Maximum Annual Protected Lifetime Income Fee Rate shown on the Rider Specifications. Any Protected Lifetime Income Fee rate adjustment will change the quarterly Protected Lifetime Income Fee and will be effective on the applicable Guaranteed Income Benefit Step-Up Date.

An adjustment to the Protected Lifetime Income Fee upon a Guaranteed Income Benefit Step-Up is determined by (A) multiplied by (B) multiplied by (C), where:

is the prior Protected Lifetime Income Fee; and

is the new Guaranteed Income Benefit divided by the prior Guaranteed Income Benefit; and

is the new Protected Lifetime Income Fee rate divided by the prior Protected Lifetime Income Fee rate.

During the Lifetime Income Period, the Protected Lifetime Income Fee shall be deducted annually as described in the EFFECT OF PROTECTED LIFETIME INCOME FEE DURING LIFETIME INCOME PERIOD provision of this Rider. The Protected Lifetime Income Fee will be attributed pro-rata to the Fixed Account, if any, and each Variable Subaccount used to calculate the Periodic Income Payments.

GENERAL

GUARANTEE OF PRINCIPAL DEATH BENEFIT AMOUNT. A Guarantee of Principal Death Benefit is provided under the Guarantee of Principal, the Enhanced Guaranteed Minimum Death Benefit, and the Estate Enhancement Benefit, one of which may be applicable to the Contract as shown in the Contract Specifications.

This Guarantee of Principal Death Benefit Amount provision does not apply if the Contract provides that all death benefits are reduced by the amount of all Withdrawals. If the Contract includes a Death Benefit, including any Death Benefit Rider, that has a Death Benefit Amount defined as the sum of all Purchase Payments minus all death benefit reductions, and that such death benefit reductions of Purchase Payments “will be in proportion to the amount withdrawn” such Death Benefit Amount definition is hereby replaced with the following:

The sum of all Purchase Payments, minus all Death Benefit Reductions and any Bonus Credits. Death Benefit Reductions are made whenever a Withdrawal occurs.

For Withdrawals prior to the Rider Date of the Variable Annuity Living Benefits Rider and after the termination of the Variable Annuity Living Benefits Rider, Death Benefit Reductions are calculated proportionately. The percentage reduction of the Contract Value (Account Value if the GUARANTEED INCOME BENEFIT provision and the Variable Annuity Payment Option Rider are in effect) due to the Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction.

For Withdrawals while the Variable Annuity Living Benefits Rider is in force:

(a)

upon Excess Withdrawals while the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect, Death Benefit Reductions are calculated proportionately; the percentage reduction of the Contract Value due to the Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction; and

(b)

upon Conforming Withdrawals while the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect, the reduction of the Contract Value due to the Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction; and

(c)

for Withdrawals while the GUARANTEED INCOME BENEFIT provision is in effect, Death Benefit Reductions are calculated proportionately; the percentage reduction of the Account Value due to the Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction.

MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE. While the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision or the GUARANTEED INCOME BENEFIT provision and the Access Period of the Variable Annuity Payment Option Rider are in effect, the Mortality and Expense Risk and Administrative Charge rates for the Contract are shown under Mortality And Expense Risk And Administrative Charge Prior To The Annuity Commencement Date on the Contract Specifications.

While the Lifetime Income Period of the GUARANTEED INCOME BENEFIT provision and the Variable Annuity Payment Option Rider are in effect, the Mortality and Expense Risk and Administrative Charge rates for the Contract shall be less than or equal to those that were applicable while the Access Period was in effect.

TERMINATION OF THIS RIDER. The Owner may terminate this Rider upon Notice to Us any time after the Rider Termination Period shown on the Rider Specifications. Otherwise, this Rider will terminate upon the earliest of the following event to occur:

(a)	the date the Contract to which this Rider is attached terminates; or

(b)	the date the Owner is changed due to death or pursuant to an enforceable divorce agreement or decree, except when Ownership is transferred to the surviving Secondary Life upon death of the Annuitant/Owner; or

(c)	the Annuity Commencement Date of the Contract to which this Rider is attached, except under (i) the GUARANTEED INCOME BENEFIT provision and the Variable Annuity Payment Option Rider or (ii) the Protected Annual Income Annuity Payment Option; or

(d)	the death of the Annuitant if the Measuring Life Option is Single, or on the death of the last surviving Measuring Life if the Measuring Life Option is Joint; or

(e)	the date the Owner sells or assigns for value the Contract other than to the Annuitant, or discounts or pledges it as collateral for a loan or as a security for the performance of an obligation or any other purpose; or

(f)	while the GUARANTEED MINIMUM WITHDRAWAL BENEFIT provision is in effect, on the date both the Protected Income Base and Protected Annual Income equal $0 as the result of an Excess Withdrawal.

The Variable Annuity Payment Option Rider will also terminate on the date this Rider terminates.

Upon termination of this Rider, the benefits and fees within this Rider will terminate. A pro-rata Protected Lifetime Income Fee will be deducted upon termination, except if this Rider is terminated due to death.

The Lincoln National Life Insurance Company

VARIABLE ANNUITY LIVING BENEFITS RIDER

SUMMARY OF RIDER PROVISIONS

This Rider provides a benefit that the Owner may withdraw, each Benefit Year, an amount up to the Protected Annual Income, for the lifetime of a Measuring Life, if certain conditions are met as described in this Rider. The Protected Annual Income is a percentage of the Protected Income Base.

ADDITIONAL PURCHASE PAYMENT RESTRICTION

The Maximum Protected Income Base Limit and Additional Purchase Payment Restriction Limit are shown on the Rider Specifications.

DEFINITIONS

All definitions found in the Contract are incorporated by reference and have the same meaning as they do in the Contract, including other riders, endorsements, or amendments.

Benefit Year is each 12-month period starting with the Rider Date shown on the Rider Specifications and each Rider Date Anniversary thereafter.

Code is the Internal Revenue Code of 1986, as amended.

Company, Our, Us, and We refers to The Lincoln National Life Insurance Company.

Natural Person is a human being.

Non-Natural Person, for purposes of this Rider, includes a trust, corporation, partnership, or association.

Rider Date Anniversary is the same calendar day as the Rider Date, each subsequent calendar year, if such date is a Valuation Date. If during any calendar year, the calendar day is not a Valuation Date, the Rider Date Anniversary will be the first Valuation Date following such calendar day and any transactions that should have occurred on the Rider Date Anniversary will be processed by Us on that Valuation Date.

Systematic Required Minimum Distributions are systematic monthly or quarterly installments withdrawn via Our automatic withdrawal service of the amount needed to satisfy the required minimum distribution as determined by Us in accordance with Code Section 401(a)(9)(A), as amended, for the Contract to which this Rider is attached.

Withdrawal is the gross amount of a Withdrawal before any applicable charges and fees. Withdrawals are Conforming Withdrawals or Excess Withdrawals. Any Withdrawal that otherwise is a Conforming Withdrawal, but that is not made payable to the Owner or the Owner’s bank account, or to the original Annuitant or the original Annuitant’s bank account (if the Owner is a Non-Natural Person), will be treated as an Excess Withdrawal. Under the Joint Measuring Life Option, if the Owner is a Non-Natural Person, upon the death of the original Annuitant where the Secondary Life continues the Contract, any Withdrawal that otherwise is a Conforming Withdrawal, but is not made payable to the succeeding Annuitant or the succeeding Annuitant’s bank account, will be treated as an Excess Withdrawal.

RIDER BENEFIT

PROTECTED INCOME BASE

The Protected Income Base is the value used to calculate the Protected Annual Income and the Protected Lifetime Income Fees. The Protected Income Base value is distinct from the Contract Value and is not used to calculate the cash surrender value, Death Benefit, or other guaranteed paid-up annuity benefits under the Contract.

(a)

(b)	an Excess Withdrawal. Upon an Excess Withdrawal, the Protected Income Base will be reduced in the same proportion that the Excess Withdrawal reduced the Contract Value. The Protected Income Base will not be reduced by each Conforming Withdrawal.

On the Valuation Date the Protected Income Base is reduced to $0 after an Excess Withdrawal, this Rider and the Contract to which it is attached will terminate.

The Enhancement Base is adjusted by:

(a)

(b)	an Excess Withdrawal. Upon an Excess Withdrawal, the Enhancement Base will be reduced in the same proportion that the Excess Withdrawal reduced the Contract Value. The Enhancement Base will not be reduced by each Conforming Withdrawal.

PROTECTED INCOME BASE ON EACH RIDER ANNIVERSARY

On the Rider Date Anniversary, the Protected Income Base will be the greater of (A), (B) or (C), where:

is the Protected Income Base on the Rider Date Anniversary immediately prior to any Rider Date Anniversary adjustment.

is the Enhancement Value as described in the ENHANCEMENT provision of this Rider.

is the Contract Value as determined by an Account Value lock in described in the ACCOUNT VALUE LOCK IN provision of this Rider.

The initial Enhancement Value on the first Rider Date Anniversary is the sum of (A) and ((A) multiplied by (B)), where:

is the Enhancement Base.

B is the Enhancement Rate shown on the Rider Specifications.

(a)	the preceding Benefit Year is during the Enhancement Period shown on the Rider Specifications; and

(b)	no Withdrawal occurred in the preceding Benefit Year; and

(c)	all Measuring Lives are under the Enhancement Maximum Age shown on the Rider Specifications; and

(d)	the Enhancement Value is greater than an Account Value lock in that may have occurred and been accepted on the same Rider Date Anniversary; and

(e)	the Enhancement Value is greater than the Protected Income Base immediately prior to a Rider Date Anniversary adjustment.

The Protected Lifetime Income Fee rate does not increase after an Enhancement.

On a Rider Date Anniversary, We will compare the Contract Value to the Protected Income Base and an Account Value lock in will occur if all the following conditions are satisfied:

(a)	the Contract Value is greater than the Protected Income Base immediately prior to a Rider Date Anniversary adjustment; and

(b)	all Measuring Lives are under the Account Value lock in Maximum Age shown on the Rider Specifications; and

(c)	the Account Value lock in is greater than the Enhancement Value on the same Rider Date Anniversary.

If the Owner declines the Account Value lock in, the Protected Income Base will be the Protected Income Base immediately prior to when the Account Value lock in was determined.

The Owner will be eligible for future Account Value lock ins after declining an Account Value lock in.

PROTECTED ANNUAL INCOME

The Protected Annual Income is the amount that may be withdrawn from the Contract by the Owner, each Benefit Year, as a Conforming Withdrawal once all Measuring Lives are greater or equal to the Protected Annual Income Age shown on the Rider Specifications. If the Measuring Life Option is Joint, the Protected Annual Income available is based on the attained age of the younger or surviving Measuring Life. The Protected Annual Income may be withdrawn during the lifetimes of all Measuring Lives until the Protected Annual Income or Protected Income Base are reduced to $0. The Protected Annual Income may also be continued for the lifetimes of the Measuring Lives, if the conditions described in the PROTECTED ANNUAL INCOME ANNUITY PAYMENT OPTION or CONTRACT VALUE REDUCES TO $0 provisions are satisfied.

Any part of the Protected Annual Income not taken during a given Benefit Year cannot be taken in a subsequent Benefit Year without causing an Excess Withdrawal.

The Protected Annual Income is calculated by multiplying the Protected Income Base by a Protected Annual Income Rate from the applicable Protected Annual Income Rate Table, which varies by age and the Measuring Life Option. When the Contract Value is greater than $0, Protected Annual Income Rate Table A is used to calculate the Protected Annual Income. The Protected Annual Income Rate Table B will be used to calculate the Protected Annual Income once the Contract Value is reduced to $0 or when the Protected Annual Income Annuity Payment Option is elected. The Protected Annual Income Rate Tables A and B are shown on the Rider Specifications.

When Protected Annual Income Rate Table A is used to calculate the initial Protected Annual Income, the Protected Annual Income Rate used to calculate the initial Protected Annual Income will be the rate that corresponds to the attained age of the Measuring Life as of the Valuation Date of the first Conforming Withdrawal. If the Measuring Life Option is Joint, the Protected Annual Income Rate will be the rate that corresponds to the attained age of the younger or surviving Measuring Life.

When Protected Annual Income Rate Table B is used to calculate the initial Protected Annual Income, the Protected Annual Income Rate will be the rate that corresponds to the later of the attained age of the Measuring Lives as of:

(a)

the first Conforming Withdrawal; or

(b)

the Valuation Date the Protected Annual Income was last calculated by Protected Annual Income Rate Table A.

The Protected Annual Income payable when calculated by Protected Annual Income Rate Table A may not exceed the remaining Contract Value in any Benefit Year. However, if the Protected Annual Income payable in a Benefit Year the Contract Value is reduced to $0 or the Protected Annual Income Annuity Payment Option is elected, is less than the Protected Annual Income recalculated by Protected Annual Income Rate Table B, the difference between the Protected Annual Income calculated by Protected Annual Income Rate Table B and the total Protected Annual Income already paid in that Benefit Year will be payable as a Conforming Withdrawal for the remainder of the Benefit Year.

CONTRACT VALUE REDUCES TO $0

On the Valuation Date the Contract Value reduces to $0, if:

(a)

the Protected Income Base is not $0; and

(b)

the Contract has not been surrendered or assigned for value;

the Protected Annual Income as calculated pursuant to the PROTECTED ANNUAL INCOME provision of this Rider, will continue for the lifetimes of all Measuring Lives and a quarterly Protected Lifetime Income Fee will no longer apply.

The Owner may elect to receive the Protected Annual Income at any frequency the Company offers, subject to Our minimum payment amount rules then in effect, but no less frequently than annually.

If the Contract Value is $0, no Death Benefit will be paid.

PROTECTED ANNUAL INCOME ANNUITY PAYMENT OPTION

The Protected Annual Income Annuity Payment Option may be irrevocably elected by the Owner upon Notice to Us, provided the Contract has not been surrendered or assigned for value. If elected, the Owner will receive payment equal to the Protected Annual Income as calculated pursuant to the DETERMINING THE PROTECTED ANNUAL INCOME provision of this Rider, each Benefit Year for the lifetimes of all Measuring Lives and a quarterly Protected Lifetime Income Fee will no longer apply. The Owner may elect to receive the Protected Annual Income at any frequency We offer, subject to Our minimum payment amount rules then in effect, but no less frequently than annually.

If this Protected Annual Income Annuity Payment Option is in effect, no Death Benefit will be paid.

EFFECT OF DEATH

This Rider will terminate on the death of the Annuitant if the Measuring Life Option is Single. Upon the first death of a Measuring Life if the Measuring Life Option is Joint, the Owner may continue the Contract and this Rider in force under the Joint Measuring Life Option. If so continued, the Protected Annual Income will continue for the life of the surviving Measuring Life. Upon the death of the surviving Measuring Life, this Rider will terminate.

PROTECTED LIFETIME INCOME FEE

The Initial Annual Protected Lifetime Income Fee Rate shown on the Rider Specifications is divided by four to calculate the initial quarterly Protected Lifetime Income Fee rate. The Protected Lifetime Income Fee rate may change as described in this provision, but the annual Protected Lifetime Income Fee rate will never exceed the Guaranteed Maximum Annual Protected Lifetime Income Fee Rate shown on the Rider Specifications. Any change to the Protected Lifetime Income Fee rate will occur only on a Rider Date Anniversary.

DETERMINING THE QUARTERLY PROTECTED LIFETIME INCOME FEE. A quarterly Protected Lifetime Income Fee is deducted from the Contract Value on each quarterly anniversary of the Rider Date. If the day is not a Valuation Date, and a Protected Lifetime Income Fee is due, that fee will be deducted on the first Valuation Date following such calendar day. The amount of the quarterly Protected Lifetime Income Fee is the quarterly Protected Lifetime Income Fee rate multiplied by the Protected Income Base, prior to any Rider Date Anniversary adjustment, on the Valuation Date the fee is deducted.

Quarterly Protected Lifetime Income Fees will be deducted from each Variable Subaccount and Fixed Account, if any, on a proportional basis. A pro-rata quarterly Protected Lifetime Income Fee will be recalculated and deducted upon termination of this Rider, except if this Rider is terminated due to death.

ADJUSTMENTS TO THE PROTECTED LIFETIME INCOME FEE RATE ON A RIDER DATE ANNIVERSARY. The Protected Lifetime Income Fee rate may change on a Rider Date Anniversary due to:

(a)

an additional Purchase Payment approved and added to the Contract in the Benefit Year preceding the applicable Rider Date anniversary, if the cumulative Purchase Payments approved and added to the Contract after the first Benefit Year equals or exceeds the Additional Purchase Payment Restriction Limit shown on the Rider Specifications; or

(b)	an Account Value lock in pursuant to the ACCOUNT VALUE LOCK IN provision of this Rider; or

(c)

Our annual review of the current Protected Lifetime Income Fee rate at any time after the 10^th Rider Date Anniversary. We reserve the right to review and adjust the current Protected Lifetime Income Fee rate no more frequently than once annually and any decision to adjust the Protected Lifetime Income Fee rate will be at Our discretion, subject to the Guaranteed Maximum Protected Lifetime Income Fee Rate shown on the Rider Specifications.

GENERAL

This Guarantee of Principal Death Benefit Amount provision does not apply if the Contract provides that all death benefits are reduced by the amount of all Withdrawals. If the Contract includes a Death Benefit, including any Death Benefit Rider that has a Death Benefit Amount defined as the sum of all Purchase Payments minus all death benefit reductions, and that such death benefit reductions of Purchase Payments “will be in proportion to the amount withdrawn” such Death Benefit Amount definition is hereby replaced with the following:

The sum of all Purchase Payments, minus all Death Benefit Reductions and any Bonus Credits. Death Benefit Reductions are made whenever a Withdrawal occurs.

For Withdrawals prior to the Rider Date of the Variable Annuity Living Benefits Rider and after the termination of the Variable Annuity Living Benefits Rider, Death Benefit Reductions are calculated proportionately; the percentage reduction of the Contract Value due to the Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction.

For Withdrawals while the Variable Annuity Living Benefits Rider is in force:

(a)

upon Excess Withdrawals, Death Benefit Reductions are calculated proportionately; the percentage reduction of the Contract Value due to the Excess Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction, and

(b)

upon Conforming Withdrawals, the reduction of the Contract Value due to each Conforming Withdrawal will be applied to the Purchase Payments as the Death Benefit Reduction.

MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE. While this Rider is in effect, the Mortality and Expense Risk and Administrative Charge rates for the Contract are shown under Mortality And Expense Risk And Administrative Charge Prior To The Annuity Commencement Date on the Contract Specifications.

TERMINATION OF THIS RIDER. The Owner may terminate this Rider upon Notice to the Company any time after the Rider Termination Period shown on the Rider Specifications. Otherwise, this Rider will terminate upon the earliest of the following event to occur:

(a)	the date the Contract to which this Rider is attached terminates; or

(b)	the date the Owner is changed due to death or pursuant to an enforceable divorce agreement or decree, except when Ownership is transferred to the surviving Secondary Life upon death of the Annuitant/Owner; or

(c)	the Annuity Commencement Date of the Contract to which this Rider is attached, except under the Protected Annual Income Annuity Payment Option; or

(d)	the death of the Annuitant if the Measuring Life Option is Single, or on the death of the last surviving Measuring Life if the Measuring Life Option is Joint; or

(e)	the date the Owner sells or assigns for value the Contract other than to the Annuitant, or discounts or pledges it as collateral for a loan or as a security for the performance of an obligation or any other purpose; or

(f)	the date both the Income Base and Protected Annual Income equal $0 as the result of an Excess Withdrawal.

The Lincoln National Life Insurance Company

GUARANTEED INCOME LATER RIDER

SUMMARY OF RIDER PROVISIONS

This Rider provides a guaranteed minimum amount equal to the Protected Income Base, which will be used to calculate the Guaranteed Income Benefit. To receive the Guaranteed Income Benefit under this Rider, the Owner must elect to begin receiving Periodic Income Payments determined under the Variable Annuity Payment Option Rider, which is also attached to the Contract.

When the Owner elects to begin receiving Periodic Income Payments determined under the Variable Annuity Payment Option Rider, on each Valuation Date that We pay the Periodic Income Payment, the amount payable will be the greater of the Periodic Income Payment determined under the Variable Annuity Payment Option Rider, or the Guaranteed Income Benefit. The initial Guaranteed Income Benefit is shown on the Contract Benefit Data page(s) issued upon the Owner’s election of benefits under the Variable Annuity Payment Option Rider.

INTERACTION WITH THE VARIABLE ANNUITY PAYMENT OPTION RIDER

The Owner may not elect to begin receiving variable Periodic Income Payments payable under the Variable Annuity Payment Option Rider attached to the Contract unless:

(a)	this Rider has terminated but the Contract to which it is attached is still in effect; and

(b)	the GUARANTEED INCOME BENEFIT provision of this Rider is concurrently effective.

The Variable Annuity Payment Option Rider Date is shown on the Contract Benefit Data page(s) issued upon the Owner’s election to receive benefits under the Variable Annuity Payment Option Rider.

ADDITIONAL PURCHASE PAYMENT RESTRICTION

No additional Purchase Payments will be approved and added to the Contract:

(a)	after the Variable Annuity Payment Option Rider and the GUARANTEED INCOME BENEFIT provision are concurrently effective; or

(b)	if the Contract Value is $0.

The Maximum Protected Income Base Limit and Additional Purchase Payment Restriction Limit are shown on the Rider Specifications.

DEFINITIONS

All definitions found in the Contract are incorporated by reference and have the same meaning as they do in the Contract including other riders, endorsements, or amendments.

Access Period is applicable after the election of the Variable Annuity Payment Option Rider attached to the Contract and concurrent commencement of the GUARANTEED INCOME BENEFIT provision of this Rider. It is a defined period selected by the Owner during which We make Periodic Income Payments under the Variable Annuity Payment Option Rider. The Owner will continue to have access to the Account Value and a Death Benefit is payable during the Access Period.

Benefit Year is applicable prior to the election of the Variable Annuity Payment Option Rider attached to the Contract and concurrent commencement of the GUARANTEED INCOME BENEFIT provision of this Rider. It means each 12-month period starting with the Rider Date shown on the Rider Specifications and each Rider Date Anniversary thereafter.

Code is the Internal Revenue Code of 1986, as amended.

Company, Our, Us, and We refers to The Lincoln National Life Insurance Company.

Lifetime Income Period is applicable after the election of the Variable Annuity Payment Option Rider attached to the Contract and concurrent commencement of the GUARANTEED INCOME BENEFIT provision of this Rider. It is the period that begins after the Access Period ends as described under the Variable Annuity Payment Option Rider, provided the Annuitant or the Secondary Life, if any, is still living and the Contract has not been surrendered. The Owner will not have access to the Account Value and a Death Benefit is not payable during the Lifetime Income Period.

Natural Person is a human being.

Non-Natural Person, for purposes of this Rider, includes a trust, corporation, partnership, or association.

Periodic Income Payment is applicable after the election of the Variable Annuity Payment Option Rider attached to the Contract and concurrent commencement of the GUARANTEED INCOME BENEFIT provision of this Rider. Periodic Income Payments are the variable amounts payable under the Variable Annuity Payment Option Rider to an Owner, or an Owner’s designee. At the time the Variable Annuity Payment Option Rider is elected, an Owner must select one of the following Periodic Income Payment Modes: monthly, quarterly, semi-annually, or annually. The Initial Periodic Income Payment Mode selected is shown on the Contract Benefit Data page(s).

Purchase Payments, for the purpose of this Rider, means the amounts paid into the Contract by the Owner including Bonus Credits, if any, before deduction of any Sales Charges. Bonus Credits and Sales Charges, if any, are shown on the Contract Specifications.

Rider Date Anniversary is applicable prior to the election of the Variable Annuity Payment Option Rider attached to the Contract and concurrent commencement of the GUARANTEED INCOME BENEFIT provision of this Rider. It is the same calendar day as the Rider Date, each subsequent calendar year, if such date is a Valuation Date. If during any calendar year, the calendar day is not a Valuation Date, the Rider Date Anniversary will be the first Valuation Date following such calendar day and any transactions that should have occurred on the Rider Date Anniversary will be processed by Us on that Valuation Date.

Withdrawal, before the election of the Variable Annuity Payment Option Rider attached to the Contract and concurrent commencement of the GUARANTEED INCOME BENEFIT provision of this Rider, means any gross amount deducted from the Contract Value as requested by the Owner before any applicable charges and fees. While the Variable Annuity Payment Option Rider and GUARANTEED INCOME BENEFIT provision of this Rider is effective, Withdrawals are all additional amounts from the Account Value requested by the Owner, other than Periodic Income Payments.

PROTECTED INCOME BASE

The Protected Income Base is the value used to calculate the Protected Lifetime Income Fee amounts and may determine the initial Guaranteed Income Benefit. The Protected Income Base value is distinct from the Contract Value and is not used to calculate the cash surrender value, Death Benefit, or other guaranteed paid-up annuity benefits under the Contract.

(a)

(b)	a Withdrawal. Upon a Withdrawal, the Protected Income Base will be reduced in the same proportion that the Withdrawal reduced the Contract Value. The Protected Income Base will not be reduced by each Conforming Withdrawal.

On the Valuation Date the Protected Income Base is reduced to $0 after a Withdrawal, this Rider and the Contract to which it is attached will terminate.

The Enhancement Base is adjusted by:

(a)

(b)	a Withdrawal. Upon a Withdrawal, the Enhancement Base will be reduced in the same proportion that the Withdrawal reduced the Contract Value. The Enhancement Base will not be reduced by each Conforming Withdrawal.

PROTECTED INCOME BASE ON EACH RIDER ANNIVERSARY

On the Rider Date Anniversary, the Protected Income Base will be the greater of (A), (B) or (C), where:

is the Protected Income Base on the Rider Date Anniversary immediately prior to any Rider Date Anniversary adjustment.

is the Enhancement Value as described in the ENHANCEMENT provision of this Rider.

is the Contract Value as determined by an Account Value lock in described in the ACCOUNT VALUE LOCK IN provision of this Rider.

The initial Enhancement Value on the first Rider Date Anniversary is the sum of (A) and ((A) multiplied by (B)), where:

is the Enhancement Base.

is the Enhancement Rate shown on the Rider Specifications.

The Enhancement Value is increased by the amount of an additional Purchase Payment on the Valuation Date it is approved and added to the Contract and is reduced by all Withdrawals made during the preceding Benefit Year in the same proportion that the Withdrawals reduced the Contract Value.

(a)	the preceding Benefit Year is during the Enhancement Period shown on the Rider Specifications; and

(b)	no Withdrawal occurred in the preceding Benefit Year; and

(c)	all Measuring Lives are under the Enhancement Maximum Age shown on the Rider Specifications; and

(d)	the Enhancement Value is greater than an Account Value lock in that may have occurred and been accepted on the same Rider Date Anniversary; and

(e)	the Enhancement Value is greater than the Protected Income Base immediately prior to a Rider Date Anniversary adjustment.

The Protected Lifetime Income Fee rate does not increase after an Enhancement.

On a Rider Date Anniversary, We will compare the Contract Value to the Protected Income Base and an Account Value lock in will occur if all the following conditions are satisfied:

(a)	the Contract Value is greater than the Protected Income Base immediately prior to a Rider Date Anniversary adjustment; and

(b)	all Measuring Lives are under the Account Value lock in Maximum Age shown on the Rider Specifications; and

(c)	the Account Value lock in is greater than the Enhancement Value on the same Rider Date Anniversary.

If the Owner declines the Account Value lock in, the Protected Income Base will be the Protected Income Base immediately prior to when the Account Value lock in was determined.

The Owner will be eligible for future Account Value lock ins after declining an Account Value lock in.

GUARANTEED INCOME BENEFIT

This GUARANTEED INCOME BENEFIT provision:

(a)	is effective upon the concurrent Variable Annuity Payment Option Rider Date. The Variable Annuity Payment Option Rider Date is shown on the Contract Benefit Data Page(s) issued when the Owner elects the benefits under the Variable Annuity Payment Option Rider.

(b)	provides that the minimum amount payable for each variable Periodic Income Payment made under the Variable Annuity Payment Option Rider is guaranteed not to fall below the Guaranteed Income Benefit.

The amount payable for each variable Periodic Income Payment under the Variable Annuity Payment Option Rider will be the greater of the Periodic Income Payment determined under the Variable Annuity Payment Option Rider or the Guaranteed Income Benefit determined under this Rider. The initial Guaranteed Income Benefit is shown on the Contract Benefit Data Page(s).

For Non-qualified contracts, an Owner must elect to adjust the Periodic Income Payments payable under the Variable Annuity Payment Option Rider on an annual basis (‘LevelPay’).

(a)

(b)	The minimum Access Period as shown on the Rider Specifications; and

(c)	The Assumed Investment Rate used to calculate the Periodic Income Payments under the Variable Annuity Payment Option Rider. The rate may be referred to as Assumed Investment Return or Assumed Interest Rate.

After the Owner elects to begin Periodic Income Payments payable under the Variable Annuity Payment Option Rider, the Owner may not request a change in the Periodic Income Payment Mode or request a decrease in the length of the Access Period.

DETERMINING THE INITIAL GUARANTEED INCOME BENEFIT. The initial Guaranteed Income Benefit will be (A) multiplied by the greater of (B) or (C), where:

is the Protected Income Base; and

is the Account Value on the Valuation Date of the first Periodic Income Payment under the Variable Annuity Payment Option Rider.

GUARANTEED INCOME BENEFIT STEP-UP DATE. GUARANTEED INCOME BENEFIT STEP-UP DATE. A Guaranteed Income Benefit Step-Up Date is the date on which a Guaranteed Income Benefit Step-Up may occur as described in the AUTOMATIC STEP-UP OF THE GUARANTEED INCOME BENEFIT provision of this Rider.

is the Guaranteed Income Benefit on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date.

If the Owner does decline the Guaranteed Income Benefit Step-Up, upon Our receipt of Notice from the Owner:

(a)	the Guaranteed Income Benefit will be the Guaranteed Income Benefit on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date, subject to adjustments for Withdrawals; and

(b)	the Protected Lifetime Income Fee rate will decrease to the Protected Lifetime Income Fee rate in effect on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date; and

(c)	the Protected Lifetime Income Fee will decrease to the Protected Lifetime Income Fee in effect on the Valuation Date immediately prior to the Guaranteed Income Benefit Step-Up Date, subject to adjustments for Withdrawals.

Future Automatic Step-Ups of the Guaranteed Income Benefit will occur if the Owner has previously declined a Guaranteed Income Benefit Step-Up.

The reduction to the number of Annuity Units per payment will be determined by: (A) divided by (B) then the result further divided by (C), where:

is the applicable Annuity Factor; and

is the Annuity Unit value as of the Valuation Date of the Periodic Income Payment.

is the amount of the excess of the Guaranteed Income Benefit attributable to the Fixed Account over the Periodic Income Payment attributable to the Fixed Account; and

is the applicable Annuity Factor.

is the pro-rated annual Protected Lifetime Income Fee for the period from the end of the Access Period to the end of that calendar year; and

is the applicable Annuity Factor; and

is the Annuity Unit value as of the Valuation Date of the end of the Access Period.

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor; and

is the Annuity Unit value for each Variable Subaccount as of the Valuation Date of the first Periodic Income Payment of that calendar year.

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor; and

is the Annuity Unit value as of the Valuation Date of the first Periodic Income Payment and each subsequent anniversary.

is the pro-rated annual Protected Lifetime Income Fee for the period from the end of the Access Period for the remainder of that calendar year; and

is the applicable Annuity Factor.

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor.

is the annual Protected Lifetime Income Fee; and

is the applicable Annuity Factor.

PROTECTED LIFETIME INCOME FEE

At any time 10 years after the Rider Date, We reserve the right to review and adjust the current Protected Lifetime Income Fee rate. The review will occur no more frequently than once annually and any decision to adjust the Protected Lifetime Income Fee rate will be at Our discretion, subject to the Guaranteed Maximum Protected Lifetime Income Fee Rate shown on the Rider Specifications.

DETERMINING THE QUARTERLY PROTECTED LIFETIME INCOME FEE. Prior to the Periodic Income Commencement Date, a quarterly Protected Lifetime Income Fee is deducted from the Contract Value on each quarterly anniversary of the Rider Date. If the day is not a Valuation Date, and a Protected Lifetime Income Fee is due, that fee will be deducted on the first Valuation Date following such calendar day. The amount of the quarterly Protected Lifetime Income Fee is the quarterly Protected Lifetime Income Fee rate multiplied by the Protected Income Base, prior to any Rider Date Anniversary adjustment, on the Valuation Date the fee is deducted.

Quarterly Protected Lifetime Income Fees will be deducted from each Variable Subaccount and Fixed Account, if any, on a proportional basis. Upon election of the GUARANTEED INCOME BENEFIT provision, a pro-rata Protected Lifetime Income Fee will be deducted on the Periodic Income Commencement Date.

ADJUSTMENTS TO THE PROTECTED LIFETIME INCOME FEE RATE ON A RIDER DATE ANNIVERSARY. Prior to the Periodic Income Commencement Date, the Protected Lifetime Income Fee rate will change on a Rider Date Anniversary due to:

(a)

(b)	an Account Value lock in pursuant to the ACCOUNT VALUE LOCK IN provision of this Rider; or

(c)	Our annual review of the current Protected Lifetime Income Fee rate at any time 10 years after the Rider Date.

PROTECTED LIFETIME INCOME FEE ON AND AFTER THE PERIODIC INCOME COMMENCEMENT DATE

During the Access Period, the quarterly Protected Lifetime Income Fee is deducted from the Account Value on each quarterly anniversary following the Periodic Income Commencement Date. The amount of the first quarterly Protected Lifetime Income Fee is (A) multiplied by the greater of (B) and (C), where:

(A)

is the quarterly Protected Lifetime Income Fee rate immediately prior to the Periodic Income Commencement Date; and

(B)

is the Protected Income Base on the Valuation Date immediately prior to the Periodic Income Commencement Date; and

(C)

is the Contract Value on the Valuation Date immediately prior to the Periodic Income Commencement Date.

Upon each Withdrawal, the quarterly Protected Lifetime Income Fee will be reduced in the same proportion that the Withdrawal reduced the Account Value.

ADJUSTMENTS TO THE PROTECTED LIFETIME INCOME FEE RATE ON AND AFTER THE PERIODIC INCOME COMMENCEMENT DATE. On and after the Periodic Income Commencement Date, the Protected Lifetime Income Fee rate may change due to:

(a)	Our annual review of the current Protected Lifetime Income Fee rate at any time 10 years after the Rider Date; or

(b)

An adjustment to the Protected Lifetime Income Fee upon a Guaranteed Income Benefit Step-Up is determined by (A) multiplied by (B) multiplied by (C), where:

is the prior Protected Lifetime Income Fee; and

is the new Guaranteed Income Benefit divided by the prior Guaranteed Income Benefit; and

is the new Protected Lifetime Income Fee rate divided by the prior Protected Lifetime Income Fee rate.

GENERAL

MORTALITY AND EXPENSE RISK AND ADMINISTRATIVE CHARGE. While this Rider is in force and prior to the effective date of the Lifetime Income Period of the GUARANTEED INCOME BENEFIT provision and the Variable Annuity Payment Option Rider are in effect, the Mortality and Expense Risk and Administrative Charge rates for the Contract are shown under Mortality And Expense Risk And Administrative Charge Prior To The Annuity Commencement Date on the Contract Specifications.

(a)	the date the Contract to which this Rider is attached terminates; or

(b)	the date the Annuitant is changed, except when the Secondary Life is named the Annuitant upon death of the original Annuitant under the Joint Measuring Life option; or

(c)	the Annuity Commencement Date of the Contract to which this Rider is attached; or

(d)	the death of the Annuitant if the Measuring Life Option is Single, or on the death of the last surviving Measuring Life if the Measuring Life Option is Joint; or

(e)	the date the Owner sells or assigns for value the Contract other than to the Annuitant, or discounts or pledges it as collateral for a loan or as a security for the performance of an obligation or any other purpose; or

(f)

the death of the Owner prior to the Periodic Income Commencement Date. However, this Rider will continue only if one of the existing Measuring Lives is the new Owner and payments under the Variable Annuity Payment Option Rider begin within one year of the death of the Owner. The new Owner will be the sole Measuring Life and the Protected Lifetime Income Fee will not change. The Death Benefit provisions in the Contract apply upon the death of the Owner; or

(g)	the date the Protected Income Base is equal to $0 as the result of Withdrawal(s); or

(h)	the date all Measuring Lives are age 99 for Non-qualified contracts or age 85 for Qualified contracts if the Variable Annuity Payment Option Rider has not been elected and the GUARANTEED INCOME BENEFIT provision of this Rider is not effective.

After the Periodic Income Commencement Date, the Variable Annuity Payment Option Rider will also terminate on the date this Rider terminates.

Lincoln ChoicePlusSM Signature 1

Individual Variable Annuity Contracts

Summary Prospectus for New Investors
May 1, 2022

This summary prospectus summarizes key features of the Lincoln ChoicePlusSM Signature 1 variable annuity contract, issued by The Lincoln National Life Insurance Company (Lincoln Life or Company).

Before you invest, you should also review the prospectus for the Lincoln ChoicePlusSM Signature 1 variable annuity contract, which contains more information about the Contract’s features, benefits, and risks. You can find this prospectus and other information about the Contract online at www.lfg.com/VAprospectus. You can also obtain this information at no cost by calling 1-888-868-2583 or by sending an email request to CustServSupportTeam@lfg.com.

YOU MAY CANCEL YOUR CONTRACT WITHIN THE FREE LOOK PERIOD WITHOUT PAYING FEES OR PENALTIES.

In some states, this “free look” or cancellation period may be longer under certain scenarios. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract Value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.

All prospectuses and other shareholder reports, will be made available on www.lfg.com/VAprospectus. If you wish to receive future shareholder reports in paper, free of charge, please call us at 1-888-868-2583, send an email request to CustServSupportTeam@lfg.com, or contact your registered representative. Your election to receive reports in paper will apply to all funds available under your Contract. This prospectus gives you information about the Contract that you should know before you decide to buy a Contract and make a Purchase Payment. You should also review the prospectus for the funds and keep all prospectuses for future reference.

Table of Contents

Item	Page
Special Terms	3
Important Information You Should Consider About the Lincoln ChoicePlusSM Signature 1 Variable Annuity Contract	4
Overview of the Contract	6
Benefits Available Under the Contract	7
Buying the Contract	10
Making Withdrawals: Accessing the Money in Your Contract	11
Additional Information About Fees	12
Fee Tables	12
Appendix A— Funds Available Under The Contract	A-1
Appendix B — Investment Requirements	B-1

Special Terms

In this initial summary prospectus, the following terms have the indicated meanings:

Access Period—Under i4LIFE® Advantage, a defined period of time during which we make Regular Income Payments to you while you still have access to your Account Value. This means that you may make withdrawals, surrender the Contract, and have a Death Benefit.

Account Value—Under i4LIFE® Advantage, the initial Account Value is the Contract Value on the Valuation Date that i4LIFE® Advantage is effective (or initial Purchase Payment if i4LIFE® Advantage is purchased at contract issue), less any applicable premium taxes. During the Access Period, the Account Value on a Valuation Date equals the total value of all of the Contractowner's Accumulation Units plus the Contractowner's value in the fixed account, reduced by Regular Income Payments, Guaranteed Income Benefit payments and withdrawals.

Annuitant—The person upon whose life the annuity benefit payments are based, and upon whose death a Death Benefit may be paid.

Beneficiary—The person you choose to receive any Death Benefit paid if you die before the Annuity Commencement Date.

Contract—The variable annuity contract you have entered into with Lincoln Life.

Contractowner (you, your, owner)—The person who can exercise the rights within the Contract (decides on investment allocations, transfers, payout option, designates the Beneficiary, etc.). Usually, but not always, the Contractowner is the Annuitant.

Contract Value (may be referred to as Account Value in marketing materials)—At any given time before the Annuity Commencement Date, the total value of all Accumulation Units of a Contract, plus the value of the fixed side of the contract, if any.

Contract Year—Each 12-month period starting with the effective date of the Contract and starting with each contract anniversary after that.

Death Benefit—Before the Annuity Commencement Date, the amount payable to your designated Beneficiary if the Contractowner dies. As an alternative, the Contractowner may receive a Death Benefit on the death of the Annuitant prior to the Annuity Commencement Date.

Enhancement—A feature under certain Living Benefit Riders in which the Protected Income Base, minus Purchase Payments received in the preceding Benefit Year, will be increased, subject to certain conditions and limitations.

Good Order—The actual receipt at our Home Office of the requested transaction in writing or by other means we accept,

along with all information and supporting legal documentation necessary to complete the transaction. The forms we provide will identify the necessary documentation. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time.

Investment Requirements—Restrictions in how you may allocate your Subaccount investments if you own certain Living Benefit Riders.

Lifetime Income Period—Under i4LIFE® Advantage, the period of time following the Access Period during which we make Regular Income Payments to you for the rest of your life (and Secondary Life, if applicable). During the Lifetime Income Period, you will no longer have access to your Account Value or receive a Death Benefit.

Living Benefit Rider—A general reference to optional riders that provide some type of a minimum income guarantee while you are alive. If you select a Living Benefit Rider, Excess Withdrawals may have adverse effects on the benefit, and you may be subject to Investment Requirements.

Purchase Payments—Amounts paid into the Contract.

Rate Sheet—A prospectus supplement, that will be filed periodically, where we declare the current withdrawal rates or Guaranteed Income Benefit percentages under certain Living Benefit Riders.

Selling Group Individuals—A Contractowner who meets one of the following criteria at the time of the contract purchase and who purchases the Contract without the assistance of a registered representative under contract with us:

•

Employees and registered representatives of any member of the selling group (broker-dealers who have selling agreements with us for this product) and their spouses and minor children.

•

Officers, directors, trustees or bona-fide full-time employees and their spouses and minor children of Lincoln Financial Group or any of the investment advisers of the funds currently being offered, or their affiliated or managed companies.

Subaccount—Each portion of the VAA that reflects investments in Accumulation and Annuity Units of a class of a particular fund available under the contracts. There is a separate Subaccount which corresponds to each class of a fund.

Important Information You Should Consider About the Lincoln ChoicePlusSM Signature 1 Variable Annuity Contract

	FEES AND EXPENSES			Location in Prospectus
Charges for Early Withdrawals	If you make a withdrawal in excess of the free withdrawal amount before the 7th anniversary since your last Purchase Payment, you may be assessed a surrender charge of up to 7% of the amount withdrawn, declining to 0% over that time period. For example, if you make a withdrawal of $100,000 during the first year after your Purchase Payment, you could be assessed a charge of up to $7,000 on the Purchase Payment withdrawn.			•Fee Tables •Examples •Charges and Other Deductions – Surrender Charge
Transaction Charges	None, other than surrender charges.			•Charges and Other Deductions
Ongoing Fees and Expenses (annual charges)	Minimum and Maximum Annual Fee Table. The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected.			•Fee Tables •Examples •Charges and Other Deductions
	Annual Fee	Minimum	Maximum
	Base Contract – Account Value Death Benefit	1.27%1	1.27%1
	Base Contract – Guarantee of Principal Death Benefit	1.32%1	1.32%1
	Base Contract – Enhanced Guaranteed Minimum Death Benefit	1.57%1	1.57%1
	Investment options (fund fees and expenses)	0.48%1	1.88%1
	Optional benefits available for an additional charge (for a single optional benefit, if elected)	0.40% 1	2.45% 2
	1 As a percentage of average Account Value in the Subaccounts.
	2 As an annualized percentage of the Protected Income Base.
	Lowest and Highest Annual Cost Table. Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs.
	Lowest Annual Cost: $2,041	Highest Annual Cost: $6,249
	Assumes:	Assumes:
	•Investment of $100,000 •5% annual appreciation •Least expensive fund fees and expenses •No optional benefits •No surrender charges •No additional Purchase Payments, transfers, or withdrawals	•Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits, fund fees and expenses •No surrender charges •No additional Purchase Payments, transfers, or withdrawals

	RISKS	Location in Prospectus
Risk of Loss	•You can lose money by investing in this Contract, including loss of principal.	•Principal Risks •Investments of the Variable Annuity Account
Not a Short-Term Investment	•This Contract is not designed for short-term investing and may not be appropriate for the investor who needs ready access to cash. •Withdrawals may result in surrender charges. If you take a withdrawal, any surrender charge will reduce the value of your Contract or the amount of money that you actually receive. •The benefits of tax deferral, long-term income, and living benefit protections also mean the Contract is more beneficial to investors with a long-term investment horizon.	•Principal Risks •Surrender and Withdrawals •Fee Tables •Charges and Other Deductions •Living Benefit Riders
Risks Associated with Investment Options	•An investment in this Contract is subject to the risk of poor investment performance of the investment options you choose. Performance can vary depending on the performance of the investment options available under the Contract. •Each investment option (including the fixed account option) has its own unique risks. •You should review the investment options before making an investment decision.	•Principal Risks •Investments of the Variable Annuity Account
Insurance Company Risks	•An investment in the Contract is subject to the risks related to us. Any obligations (including under the fixed account option), guarantees, or benefits of the Contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about Lincoln Life, including our financial strength ratings, is available upon request by calling 1-888- 868-2583 or visiting www.LincolnFinancial.com.	•Principal Risks
	RESTRICTIONS	Location in Prospectus
Investments	•The frequency of transfers between investment options is restricted. There are also restrictions on the minimum amount that may be transferred from a variable option and the maximum amount that may be transferred from the fixed account option. •We reserve the right to remove or substitute any funds as investment options that are available under the Contract.	•Principal Risks •Investments of the Variable Annuity Account
Optional Benefits	•Optional benefits may limit or restrict the investment options that you may select under the Contract. We may change these restrictions in the future. •Excess Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn or result in termination of the benefit. •You are required to have a certain level of Contract Value for some new rider elections. •We may modify or stop offering an optional benefit that is currently available at any time. •If you elect certain optional benefits, you may be limited in the amount of Purchase Payments that you can make (and when).	•The Contracts •Living Benefit Riders •Appendix B – Investment Requirements •Appendix C — Discontinued Death Benefit and Living Benefit Riders
	TAXES	Location in Prospectus
Tax Implications	•Consult with a tax professional to determine the tax implications of an investment in and payments received under this Contract. •If you purchase the Contract through a tax-qualified plan or IRA, you do not get any additional tax deferral under the Contract. •Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59½.	•Federal Tax Matters

	CONFLICTS OF INTEREST	Location in Prospectus
Investment Professional Compensation	•Your registered representative may receive compensation for selling this Contract to you, both in the form of commissions and because we may share the revenue it earns on this Contract with the professional’s firm. (Your investment professional may be your broker, investment adviser, insurance agent, or someone else). •This potential conflict of interest may influence your investment professional to recommend this Contract over another investment.	•Distribution of the Contracts •Principal Risks
Exchanges	•If you already own a contract, some investment professionals may have a financial incentive to offer you a new Contract in place of the one you own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, that it is better for you to purchase the new Contract rather than continue to own your existing contract.	•The Contracts - Replacement of Existing Insurance

Overview of the Contract

Purpose of the Contract

The Lincoln ChoicePlusSM Signature 1 variable annuity contract is designed to accumulate Contract Value and to provide income over a certain period of time or for life subject to certain conditions. The Contract can supplement your retirement income by providing a stream of income payments during the payout phase. The benefits offered under the Contract may be a variable or fixed amount, if available, or a combination of both. The Contract also offers a Death Benefit payable to your designated Beneficiaries upon the death of the Contractowner or Annuitant.

This Contract may be appropriate if you have a long-term investment horizon. It is not intended for people who may need to make early or frequent withdrawals or intend to engage in frequent trading in the Subaccounts.

Phases of the Contract

Your Contract has two phases: (1) an accumulation (savings) phase, prior to the Annuity Commencement Date; and (2) a payout (income) phase, after the Annuity Commencement Date.

Accumulation (Savings) Phase. To help you accumulate assets during the accumulation phase, you can invest your payments and earnings in:

•

The variable options available under the Contract, each of which has an underlying mutual fund with its own investment objective, strategies, and risks; investment adviser(s); expense ratio; and performance history; and

•

A fixed account option, if available, which guarantees principal and a minimum interest rate.

A list of funds in which you currently can invest is provided in an Appendix. Please see Appendix A: Funds Available Under the Contract.

Annuity (Income) Phase. You can elect to annuitize your Contract and turn your Contract Value into a stream of income payments (sometimes called Annuity Payouts), at which time the accumulation phase of the Contract ends. These payments may continue for a fixed period of years, for your entire life, or for the longer of a fixed period or your life. The payments may also be fixed or variable. Variable payments will vary based on the performance of the funds that you choose.

If you annuitize, your investments will be converted to income payments and you may no longer be able to choose to make withdrawals from your Contract. All benefits (including guaranteed minimum Death Benefits and living benefits) terminate upon annuitization.

However, several Living Benefit Riders offered under the Contract provide lifetime income payments that may be guaranteed, and still allow you to make withdrawals and be eligible for a Death Benefit. Withdrawals that exceed a Protected Income Amount are Excess Withdrawals that will reduce and could eliminate the income payments and other benefits of the rider, including access to a Death Benefit.

Primary Features and Options of the Contract

Accessing your money. During the Accumulation Phase you can surrender the Contract or withdraw part of the Contract Value. If you withdraw early, you may have to pay a surrender charge, an Interest Adjustment may apply and/or you may incur a tax penalty if you are younger than 59½.

Tax treatment. You can transfer money between investment options without tax implications, and earnings (if any) on your investments are generally tax-deferred. You are taxed only when: (1) you make a surrender or withdrawal; (2) you receive an income payment from the Contract; or (3) upon payment of a Death Benefit.

Death Benefits. Your Contract includes a Death Benefit that will be paid upon the death of either the Contractowner or the Annuitant. Optional Death Benefits that pay different amounts and have different fees may be available.

Optional Living Benefit Riders. For an additional fee, you may be able to purchase one of the Living Benefit Riders listed below. Each rider offers one of the following:

•

a minimum withdrawal benefit:

•

Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk),

•

Lincoln Market Select® Advantage,

•

Lincoln Max 6 SelectSM Advantage,

•

a minimum Annuity Payout:

•

4LATER® Select Advantage; or

•

i4LIFE® Advantage with or without the Guaranteed Income Benefit (Managed Risk).

These Living Benefit Riders provide different methods to take income from your Contract Value or receive lifetime payments and provide certain guarantees, regardless of the investment performance of the Contract. These guarantees are subject to certain conditions, as set forth elsewhere in the prospectus.

There is no guarantee that any Living Benefit Rider (except i4LIFE® Advantage) will be available in the future, as we reserve the right to discontinue them at any time. Excess Withdrawals under certain Living Benefit Riders may result in a reduction or premature termination of those benefits or riders. If you purchase a Living Benefit Rider (except i4LIFE® Advantage without the Guaranteed Income Benefit), you will be required to adhere to Investment Requirements, which will limit your ability to invest in certain Subaccounts offered in your Contract. (These Investment Requirements are explained in Appendix B- Investment Requirements.)

Additional Services. The additional services listed below are available under the Contract for no additional charge (unless otherwise indicated).

•

Dollar-cost averaging (DCA) allows you to transfer amounts from the DCA fixed account, if available, or certain Subaccounts into other Subaccounts on a monthly basis or in accordance with other terms we make available.

•

Portfolio rebalancing is an option that restores to a pre-determined level the percentage of Contract Value allocated to each Subaccount.

•

Automatic Withdrawal Service (AWS) provides for an automatic periodic withdrawal of your Contract Value. Withdrawals under AWS are subject to applicable surrender charges and Interest Adjustments (as well as taxes and tax penalties).

Benefits Available Under the Contract

The following tables summarize information about the benefits available under the Contract. A detailed description of each benefit is available in the prospectus.

Standard Benefits
Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions / Limitations
Account Value Death Benefit	Provides a Death Benefit equal to the Contract Value.	•1.25%	•Poor investment performance could significantly reduce the benefit. •Withdrawals could significantly reduce the benefit.
Guarantee of Principal Death Benefit	Provides a Death Benefit equal to the greatest of (1) Contract Value; (2) all Purchase Payments, adjusted for withdrawals.	•1.30%	•Withdrawals could significantly reduce the benefit.
Enhanced Guaranteed Minimum Death Benefit (EGMDB)	Provides a Death Benefit equal to the greatest of (1) Contract Value; (2) all Purchase Payments, adjusted for withdrawals; (3) the highest Contract Value on any contract anniversary prior to age 81 as adjusted for withdrawals.	•1.55%	•Not available if age 80 or older at the time of issuance. •Withdrawals could significantly reduce the benefit. •Poor investment performance could significantly reduce and limit potential increases to the highest Contract Value.

Standard Benefits
Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions / Limitations
Dollar-Cost Averaging	Allows you to automatically transfer amounts between certain investment options on a monthly basis.	None	•Minimum amount to be dollar cost averaged is $1,500 over any time period between 3 and 60 months. •Cannot be used simultaneously with portfolio rebalancing.
Portfolio Rebalancing	Allows you to automatically reallocate your Contract Value among investment options on a periodic basis based on your standing allocation instructions.	None	•Cannot be used simultaneously with dollar cost averaging.
Automatic Withdrawal Service	Allows you to take periodic withdrawals from your Contract automatically.	None	•Automatically terminates once i4LIFE® Advantage begins.

Optional Benefits – Available for Election
Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions / Limitations
Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk)	Provides: •Guaranteed lifetime periodic withdrawals; •An Enhancement to the Protected Income Base; •Account Value Step-ups of the Protected Income Base; •Age-based increases to the Protected Annual Income amount; and •Nursing Home Enhancement.	•2.25% Single Life Option •2.45% Joint Life Option (as a percentage of the Protected Income Base)	•Investment Requirements apply. •Excess Withdrawals could significantly reduce or terminate the benefit. •Any withdrawal may negatively impact or eliminate the potential for enhancements or step-ups. •Subject to a $10 million maximum Protected Income Base across all Living Benefit Riders. •Purchase Payments and step-ups may increase fee rate. •Additional Purchase Payments may be limited.
Lincoln Market Select® Advantage	Provides: •Guaranteed lifetime periodic withdrawals; •An Enhancement to the Protected Income Base; •Account Value Step-ups of the Protected Income Base; and •Age-based increases to the Protected Annual Income amount.	•2.25% Single Life Option •2.45% Joint Life Option (as a percentage of the Protected Income Base)	•Investment Requirements apply. •Excess Withdrawals could significantly reduce or terminate the benefit. •Any withdrawal may negatively impact or eliminate the potential for enhancements or step-ups. •Subject to a $10 million maximum Protected Income Base across all Living Benefit Riders. •Purchase Payments and step-ups may increase fee rate. •Additional Purchase Payments may be limited.

Optional Benefits – Available for Election
Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions / Limitations
Lincoln Max 6 SelectSM Advantage	Provides: •Guaranteed lifetime periodic withdrawals; •An Enhancement to the Protected Income Base; •Account Value Step-ups of the Protected Income Base; and •Age-based increases to the Protected Annual Income amount.	•2.25% Single Life Option •2.45% Joint Life Option (as a percentage of the Protected Income Base)	•Investment Requirements apply. •Excess Withdrawals could significantly reduce or terminate benefits. •Any withdrawal may negatively impact or eliminate the potential for enhancements or step-ups. •Subject to a $10 million maximum Protected Income Base across all Living Benefit Riders. •Purchase Payments and step-ups may increase fee rate. •Additional Purchase Payments may be limited. •The guaranteed payments will be reduced if your Contract Value is reduced to zero. •Your Protected Income Base will not carry over to i4LIFE® Advantage.
4LATER® Select Advantage	Provides: •Protected Income Base which will be used to establish the amount of the Guaranteed Income Benefit upon the election of i4LIFE® Advantage; •An Enhancement to the Protected Income Base; •Account Value Step-ups of the Protected Income Base. Must later transition to i4LIFE® Advantage Select Guaranteed Income Benefit in order to receive a benefit from 4LATER® Select Advantage. It is designed for those seeking growth of the Protected Income Base who do not need to take withdrawals right away. Designed primarily for the purchasers of nonqualified contracts where the Contractowner and Annuitant are different people (single life option) or with joint life benefits where the Secondary Life is not a spouse.	•2.25% Single Life Option •2.45% Joint Life Option (as a percentage of the Protected Income Base)	•Investment Requirements apply. •Withdrawals could significantly reduce or terminate the benefit. •Not available for purchase with a qualified contract. •Subject to a $10 million maximum Protected Income Base across all Living Benefit Riders. •Purchase Payments and step-ups may increase fee rate. •Additional Purchase Payments may be limited.

Optional Benefits – Available for Election
Name of Benefit	Purpose	Maximum Fee	Brief Description of Restrictions / Limitations
i4LIFE® Advantage	Provides: •Variable periodic Regular Income Payments for life. •The ability to make additional withdrawals and surrender the Contract during the Access Period. The optional Guaranteed Income Benefit provides a minimum payout floor for those Regular Income Payments.	•i4LIFE® Advantage: 0.40% in addition to the base contract expense for the Death Benefit you have elected. •Guaranteed Income Benefit (Managed Risk): 2.25%* (single life option) 2.45%* (joint life option) •*The Guaranteed Income Benefit charge is in addition to the i4LIFE® Advantage charge and your base contract expense.	•Guaranteed Income Benefit limits available investment options (Investment Requirements apply). •Withdrawals could significantly reduce or terminate the benefit. •Restrictions apply to the length of the Access Period. •Additional Purchase Payments may be subject to restrictions.

Rate Sheets

The current Enhancement rate, Protected Annual Income rates, and Guaranteed Income Benefit percentages available under certain Living Benefit Riders are declared in a Rate Sheet prospectus supplement. The Rate Sheet indicates the current rates and/or current percentages and the date by which your application or rider election form must be signed and dated for a rider to be issued with those rates and/or percentages. The rates and/or percentages may be superseded at any time, in our sole discretion, and may be higher or lower than the rates and/or percentages on the previous Rate Sheet.

The effective date of a subsequent Rate Sheet will be at least 10 days after it is filed. In order to get the rate and/or percentage indicated in a Rate Sheet, your application or rider election form must be sent to us, and must be signed and dated on or after the effective date of the Rate Sheet. Current Rate Sheets will be included with the prospectus. You can also obtain the most current Rate Sheet by contacting your registered representative, online at www.lfg.com/VAprospectus or by calling us at 1-888-868-2583.

Buying the Contract

If you wish to purchase a Contract, you must apply for it through a registered representative authorized by us. The completed application is sent to us and we decide whether to accept or reject it. If the application is accepted, a Contract is prepared and executed by our legally authorized officers. The Contract (and a statement confirming your investments) is then sent to you either directly or through your registered representative. The purchase of multiple contracts with identical Contractowners, Annuitants and Beneficiaries will be allowed only upon Home Office approval.

When a completed application and all other information necessary for processing a purchase order is received in Good Order at our Home Office at The Lincoln National Life Insurance Company, PO Box 2348, Fort Wayne, IN 46801-2348, an initial Purchase Payment will be priced no later than two business days after we receive the order. If you submit your application and/or initial Purchase Payment to your registered representative, we will not begin processing your purchase order until we receive the application and initial Purchase Payment from your registered representative’s broker-dealer. While attempting to finish an incomplete application, we may hold the initial Purchase Payment for no more than five business days unless we receive your consent to our retaining the payment until the application is completed. If the incomplete application cannot be completed within those five days and we have not received your consent, you will be informed of the reasons, and the Purchase Payment will be returned immediately. Once the application is complete, we will allocate your initial Purchase Payment within two business days.

Purchase Payments – Investing in the Contract

You may make Purchase Payments to the Contract at any time, prior to the Annuity Commencement Date, subject to certain conditions. You are not required to make any additional Purchase Payments after the initial Purchase Payment. If we receive an additional Purchase Payment before the close of the New York Stock Exchange (typically 4:00 PM New York time, or EST), we will credit your purchase payment that day. If we receive your additional Purchase Payment after the close of the New York Stock Exchange, your payment will be applied on the next business day.

The minimum initial Purchase Payment is $10,000. The minimum for Selling Group Individuals is $1,500. The minimum annual amount for additional Purchase Payments is $300.

For additional Purchase Payments the minimum payment to the Contract at any one time is $100 ($25 if transmitted electronically), and the minimum annual amount is $300. Please check with your registered representative about making additional Purchase Payments since the requirements of your state may vary. If a Purchase Payment is submitted that does not meet the minimum amount, we will contact you to ask whether additional money will be sent, or whether we should return the Purchase Payment to you.

Purchase Payments totaling $2 million or more are subject to Home Office approval. This amount takes into consideration the total Purchase Payments for all variable annuity contracts issued by the Company (or its affiliates) (excluding Lincoln Investor Advantage and Lincoln Level AdvantageSM contracts) for the same Contractowner, joint owner, and/or Annuitant.

If you elect a Living Benefit Rider, you may be subject to further restrictions on your ability to make additional Purchase Payments, as described in the prospectus. These restrictions and limitations will limit your ability to increase your Contract Value (or Account Value under i4LIFE® Advantage with any version of Guaranteed Income Benefit) and/or increase the amount of any guaranteed benefit under a Living Benefit Rider by making additional Purchase Payments to the Contract.

Making Withdrawals: Accessing the Money in Your Contract

Before the Annuity Commencement Date – During the Accumulation (Savings) Phase

You can access the money in your Contract by making a withdrawal, which will reduce the value of your Contract (including the amount of the death benefit and certain living benefits). You may withdraw all or a portion of the Contract Value (minus applicable charges and other adjustments, discussed below). However, withdrawing the entire cash value of your Contract will terminate your Contract.

Before the Annuity Commencement Date, you can completely surrender the Contract or withdraw part of the Contract Value upon your written request on an approved Lincoln distribution request form (available from the Home Office), fax, or other electronic means. Withdrawal requests may also be made by telephone or our website, subject to certain restrictions. All surrenders and withdrawals must be made in accordance with the rules discussed in the prospectus. The amount available upon surrender or withdrawal is the Contract Value less any applicable charges, fees, and taxes at the end of the Valuation Period during which the written request for surrender or withdrawal is received in Good Order at the Home Office.

If we receive a surrender or withdrawal request in Good Order at our Home Office before the close of regular trading on the New York Stock Exchange (normally 4:00 p.m., New York time), we will process the request using the Accumulation Unit value computed on that Valuation Date. If we receive a surrender or withdrawal request in Good Order at our Home Office after New York Stock Exchange regular market close, we will process the request using the Accumulation Unit value computed on the next Valuation Date.

The minimum amount which can be withdrawn is $300. Unless a request for withdrawal specifies otherwise, withdrawals will be made from all Subaccounts within the VAA and from the fixed account in the same proportion that the amount of withdrawal bears to the total Contract Value. Surrenders and withdrawals from the fixed account may be subject to an Interest Adjustment. Unless prohibited, surrender and withdrawal payments will be mailed within seven days after we receive a valid written request at the Home Office. The payment may be postponed as permitted by applicable law.

There may be charges associated with surrender of a Contract or withdrawal of Contract Value. You may specify whether these charges are deducted from the amount you request to be withdrawn or from the remaining Contract Value. If the charges are deducted from the remaining Contract Value, the amount of the total withdrawal will increase according to the impact of the applicable surrender charge percentage; consequently, the dollar amount of the surrender charge associated with the withdrawal will also increase. In other words, the dollar amount deducted to cover the surrender charge is also subject to a surrender charge.

There are tax consequences for surrenders and withdrawals.

Certain withdrawals may reduce the value of any optional living benefits you elected or even terminate the benefit.

Some optional living benefits provide withdrawal options.

There are limitations associated with taking money out of the Contract, including the following:

Limitations on withdrawal amounts	•The minimum withdrawal amount is $300.
Surrender charges and taxes	•There may be surrender charges, interest adjustments, and tax implications when you take out money.

Negative impact on benefits and guarantees of your Contract	•A withdrawal may have a negative impact on certain optional benefits that you may elect. It may reduce the value of or even terminate certain benefits.
Internal Revenue Code or Retirement Plan	•Depending on the circumstances, the Internal Revenue Code or your retirement plan may restrict your ability to take withdrawals.

After the Annuity Commencement Date – During the Annuity (Income) Phase

After the Annuity Commencement Date, you will receive payments under the annuity payment option you select, but generally you may not take any other withdrawals or surrender your Contract. Surrender or withdrawal rights after the Annuity Commencement Date, if any, depend on the Annuity Payout option selected.

Additional Information About Fees

Fee Tables

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract Specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract Value between investment options, and/or the fixed account (if available). State premium taxes may also be deducted.

TRANSACTION EXPENSES


Surrender charge (as a percentage of Purchase Payments surrendered/withdrawn):1		7.00%
We may also apply an Interest Adjustment to amounts being withdrawn, surrendered or transferred from a Guaranteed Period account (except for dollar cost averaging, and Regular Income Payments under i4LIFE® Advantage). See Fixed Side of the Contract.

The surrender charge percentage is reduced over a 7-year period at the following rates: 7%, 7%, 6%, 6%, 5%, 4%, 3%. We may reduce or waive this charge in

certain situations. See Charges and Other Deductions – Surrender Charge.

The following tables describe the fees and expenses that you will pay each year during the time that you own the Contract, not including fund fees and expenses. If you choose to purchase an optional benefit, you will pay additional charges, as shown below.

ANNUAL CONTRACT EXPENSES


Administrative Expense (Annual Account Fee):1			$35

Base Contract Expenses (as a percentage of average Account Value in the Subaccounts)2
Account Value Death Benefit			1.25%
Guarantee of Principal Death Benefit			1.30%
Enhanced Guaranteed Minimum Death Benefit (EGMDB)			1.55%

Optional Benefit Expenses (Protected Lifetime Income Fees)	Single Life	Joint Life
Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk):3, 4
Guaranteed Maximum Annual Charge	2.25%	2.45%
Lincoln Market Select® Advantage:3, 4
Guaranteed Maximum Annual Charge	2.25%	2.45%
Lincoln Max 6 SelectSM Advantage:3, 4
Guaranteed Maximum Annual Charge	2.25%	2.45%
4LATER® Select Advantage:3, 5
Guaranteed Maximum Annual Charge	2.25%	2.45%
i4LIFE® Advantage:6
Current Charge	0.40%	0.40%
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk):3, 7
Guaranteed Maximum Charge	2.25%	2.45%

During the accumulation phase, the account fee will be deducted from your Contract Value on each contract anniversary, or upon the surrender of the Contract. The account fee will be waived if your Contract Value is $100,000 or more on the contract anniversary (or date of surrender). This account fee may be less in some states and will be waived after the fifteenth Contract Year, regardless of your Contract Value.

Each base contract expense includes an administrative charge of 0.10%.

The current charge for new elections of this rider is disclosed in a Rate Sheet.

As an annualized percentage of the Protected Income Base, as increased for subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by Excess Withdrawals. This fee is deducted from the Contract Value on a quarterly basis. This same fee applies when transitioning to the appropriate version of i4LIFE® Advantage Guaranteed Income Benefit (if available).

As an annualized percentage of the Protected Income Base, as increased for subsequent Purchase Payments, Account Value Step-ups and Enhancements, and decreased by withdrawals. This fee is deducted from the Contract Value on a quarterly basis. This same fee applies when transitioning to the appropriate version of i4LIFE® Advantage Guaranteed Income Benefit (if available).

As an annualized percentage of average Account Value, computed daily. This charge is assessed only on and after the effective date of i4LIFE® Advantage and is added to your base contract expense. These charges continue during the Access Period. During the Lifetime Income Period, the i4LIFE® Advantage charge rate of 0.40% is added to the Account Value Death Benefit base contract expense.

These charges are added to the i4LIFE® Advantage charges to comprise the total charges reflected. During the Lifetime Income Period, the Guaranteed Income

Benefit charge rate is the base contract expense plus the i4LIFE® Advantage Guaranteed Income Benefit charge.

The next table shows the minimum and maximum total annual operating expenses charged by the funds that you may pay periodically during the time that you own the Contract. The expenses are for the year ended December 31, 2021. A complete list of funds available under the Contract, including their annual expenses, may be found in Appendix A: Funds Available Under the Contract.

Annual Fund Expenses	Minimum	Maximum
Expenses that are deducted from the fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses before any waivers or expense reimbursements	0.48%	1.88%
Expenses that are deducted from the fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses after any waivers or expense reimbursements.1	0.48%	1.48%

Any expense waivers or reimbursements will remain in effect until at least April 30, 2023, and can only be terminated early with approval by the fund’s board of directors.

EXAMPLES

The following Examples are intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, contract fees, annual contract expenses, and annual fund fees and expenses. The Examples have been calculated using the fees and expenses of the funds prior to the application of any contractual waivers and/or reimbursements.

The Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, the maximum fees and expenses of any of the funds and that EGMDB Death Benefit and Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk) at the guaranteed maximum charge are in effect. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

1) If you surrender your Contract at the end of the applicable time period:

1 year	3 years	5 years	10 years
$12,875	$23,959	$35,359	$62,482

2) If you annuitize or do not surrender your Contract at the end of the applicable time period:

1 year	3 years	5 years	10 years
$5,875	$17,959	$30,359	$62,482

The next Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, the maximum fees and expenses of any of the funds and that i4LIFE® Advantage with the EGMDB Death Benefit and i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) at the guaranteed maximum charge are in effect. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

1) If you surrender your Contract at the end of the applicable time period:

1 year	3 years	5 years	10 years
$13,240	$24,547	$35,534	$59,155

2) If you annuitize or do not surrender your Contract at the end of the applicable time period:

1 year	3 years	5 years	10 years
$6,240	$18,547	$30,534	$59,155

Appendix A— Funds Available Under The Contract

The following is a list of funds currently available under the Contract. Depending on the optional benefits you choose, you may not be able to invest in certain funds. More information about the funds is available in the Fund’s prospectus, which may be amended from time to time and can be found online at www.lfg.com/VAprospectus. You can also request this information at no cost by calling 1-888-868-2583 or by sending an email request to CustServSupportTeam@lfg.com.

The current expenses and performance information below reflects fees and expenses of the Fund, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund’s past performance is not necessarily an indication of future performance.

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
Long-term growth of capital.	AB VPS Small/Mid Cap Value Portfolio - Class B	1.05%	35.60%	9.88%	12.85%
Long-term growth of capital.	AB VPS Sustainable Global Thematic Portfolio - Class B	1.13%2	22.57%	22.11%	14.95%
Long-term capital growth and current income by investing approximately 60% of its assets in equity securities and the remainder in bonds and other fixed- income securities.	American Century VP Balanced Fund - Class II	1.06%2	15.48%	11.06%	N/A
Long-term capital growth, income is secondary objective.	American Century VP Large Company Value Fund - Class II	0.87%2	21.53%	10.07%	11.85%
High total investment return.	BlackRock Global Allocation V.I. Fund - Class III This fund will be substituted with the LVIP BlackRock Global Allocation Fund on or about June 3, 2022. Consult your registered representative.	1.00%2	6.42%	9.71%	7.68%
Long-term growth of capital.	ClearBridge Variable Large Cap Growth Portfolio - Class II advised by Legg Mason Partners Fund Advisor, LLC	0.99%	21.63%	21.22%	N/A
Long-term growth of capital.	ClearBridge Variable Mid Cap Portfolio - Class II advised by Legg Mason Partners Fund Advisor, LLC	1.07%	28.39%	13.98%	14.04%
Long-term capital appreciation.	Delaware VIP® Emerging Markets Series - Service Class3	1.48%2	-3.13%	11.70%	6.84%
Capital Appreciation.	Delaware VIP® Small Cap Value Series - Service Class3	1.05%	34.01%	9.22%	11.78%
Capital Appreciation. A fund of funds.	DWS Alternative Asset Allocation VIP Portfolio - Class B	1.26%	12.35%	5.59%	3.89%
Income and capital growth consistent with reasonable risk. A fund of funds.	Fidelity® VIP Balanced Portfolio - Service Class 2	0.71%	17.99%	14.69%	12.37%
Long-term capital appreciation.	Fidelity® VIP Contrafund® Portfolio - Service Class 2	0.85%	27.51%	19.87%	16.35%
High total return. A fund of funds.	Fidelity® VIP FundsManager® 50% Portfolio - Service Class 2	0.84%2	9.88%	9.75%	8.18%
To achieve capital appreciation.	Fidelity® VIP Growth Portfolio - Service Class 2	0.85%	22.90%	25.98%	19.40%

A-1

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
Long-term growth of capital.	Fidelity® VIP Mid Cap Portfolio - Service Class 2	0.86%	25.31%	13.32%	13.00%
To provide capital appreciation.	First Trust Capital Strength Portfolio – Class I	1.10%2	25.30%	N/A	N/A
To provide total return by allocating among dividend-paying stocks and investment grade bonds.	First Trust/Dow Jones Dividend & Income Allocation Portfolio - Class I6,	1.19%	12.25%	9.54%	N/A
Capital appreciation, with income as a secondary goal, by allocating its assets among equity and fixed income investments through a variety of investment strategies.	Franklin Allocation VIP Fund - Class 4	0.92%2	11.54%	8.54%	8.85%
To maximize income while maintaining prospects for capital appreciation.	Franklin Income VIP Fund - Class 4	0.82%	16.59%	7.34%	7.27%
Balance of growth of capital and income. A fund of funds.	Franklin Multi-Asset Variable Conservative Growth - Class II advised by Legg Mason Partners Fund Advisor, LLC	0.94%	11.12%	N/A	N/A
Capital appreciation; income is a secondary consideration.	Franklin Mutual Shares VIP Fund - Class 4	1.08%	19.06%	6.33%	8.89%
To seek to achieve a high level of total return on its assets through a combination of capital appreciation and current income.	Invesco V.I. Equally-Weighted S&P 500 Fund - Series II Shares5,	0.60%	28.88%	15.14%	14.91%
Long-term growth of capital.	Invesco V.I. EQV International Equity Fund - Series II Shares	1.14%	5.61%	9.90%	7.82%
To maximize total return by investing primarily in a diversified portfolio of intermediate- and long-term debt securities.	JPMorgan Insurance Trust Core Bond Portfolio - Class 2	0.79%2	-1.66%	3.32%	2.72%
Capital Appreciation.	LVIP American Century Select Mid Cap Managed Volatility Fund - Service Class	1.17%2	20.79%	10.26%	N/A
Long-term growth of capital. A master- feeder fund.	LVIP American Global Growth Fund - Service Class II	1.15%	16.02%	19.26%	15.23%
Long-term growth of capital. A master- feeder fund.	LVIP American Global Small Capitalization Fund - Service Class II	1.39%2	6.29%	15.00%	12.07%
Growth of capital. A master-feeder fund.	LVIP American Growth Fund - Service Class II	0.94%	21.58%	24.98%	19.28%
Long-term growth of capital and income. A master-feeder fund.	LVIP American Growth-Income Fund - Service Class II	0.89%	23.69%	15.99%	15.01%
Long-term growth of capital. A master- feeder fund.	LVIP American International Fund - Service Class II	1.17%	-1.84%	9.22%	7.73%
Capital Appreciation.	LVIP Baron Growth Opportunities Fund - Service Class	1.14%2	18.72%	21.55%	16.57%

A-2

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
Total return.	LVIP BlackRock Advantage Allocation Fund - Service Class This fund will merge into the LVIP BlackRock Global Allocation Fund on or about June 10, 2022. Consult your registered representative.	0.98%2	7.43%	8.72%	7.52%
Reasonable income by investing primarily in income-producing equity securities.	LVIP BlackRock Dividend Value Managed Volatility Fund - Service Class	0.89%2	22.76%	9.34%	8.93%
High total investment return.	LVIP BlackRock Global Allocation Fund - Service Class This fund will be available on or about June 3, 2022. Consult your registered representative.	0.98%2	7.31%	N/A	N/A
Capital Appreciation. A fund of funds.	LVIP BlackRock Global Allocation Managed Risk Fund - Service Class	1.18%2	7.36%	7.52%	N/A
A balance between current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund - Service Class	0.75%2	12.31%	8.14%	N/A
Total return through a combination of current income and long-term capital appreciation.	LVIP BlackRock Global Real Estate Fund - Service Class	1.04%2	27.69%	9.43%	8.56%
To maximize real return, consistent with preservation of real capital and prudent investment management.	LVIP BlackRock Inflation Protected Bond Fund - Service Class	0.73%	4.41%	3.38%	1.67%
A balance between current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund - Service Class	0.73%2	14.26%	8.85%	N/A
Long-term growth of capital in a manner consistent with the preservation of capital.	LVIP Blended Large Cap Growth Managed Volatility Fund - Service Class	0.93%2	30.53%	18.29%	13.41%
Capital Appreciation.	LVIP Blended Mid Cap Managed Volatility Fund - Service Class	0.96%2	13.00%	17.60%	10.37%
Capital Appreciation.	LVIP ClearBridge Franklin Select Large Cap Managed Volatility Fund - Service Class	1.03%2	21.62%	14.10%	N/A
Maximum current income (yield) consistent with a prudent investment strategy.	LVIP Delaware Bond Fund - Service Class3	0.71%	-2.14%	3.68%	2.97%
Total return.	LVIP Delaware Diversified Floating Rate Fund - Service Class3	0.87%2	0.14%	1.57%	1.36%
Maximum long-term total return consistent with reasonable risk.	LVIP Delaware Diversified Income Fund - Service Class3	0.84%2	-1.62%	4.20%	3.31%
Maximum total return, consistent with reasonable risk.	LVIP Delaware Limited-Term Diversified Income Fund - Service Class3	0.83%	-1.04%	1.95%	1.47%
To maximize long-term capital appreciation.	LVIP Delaware Mid Cap Value Fund - Service Class3	0.76%	31.45%	11.27%	12.85%

A-3

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
Maximum long-term total return, with capital appreciation as a secondary objective.	LVIP Delaware REIT Fund - Service Class3	1.12%	42.54%	8.58%	9.73%
Long-term capital appreciation.	LVIP Delaware SMID Cap Core Fund - Service Class3	1.10%	22.83%	12.76%	12.99%
To maximize long-term capital appreciation.	LVIP Delaware Social Awareness Fund - Service Class3	0.78%	25.99%	17.62%	15.49%
Long-term capital appreciation.	LVIP Delaware U.S. Growth Fund - Service Class3	1.02%	17.74%	21.61%	16.56%
Long-term capital appreciation.	LVIP Delaware Value Fund - Service Class3	0.99%	22.04%	9.99%	12.24%
To provide a responsible level of income and the potential for capital appreciation.	LVIP Delaware Wealth Builder Fund - Service Class3	0.97%2	11.51%	7.54%	7.72%
Long-term capital appreciation.	LVIP Dimensional International Core Equity Fund - Service Class	0.87%2	12.94%	8.68%	N/A
Long-term capital appreciation. A fund of funds.	LVIP Dimensional International Equity Managed Volatility Fund - Service Class	1.01%	15.08%	5.69%	4.90%
Long-term capital appreciation.	LVIP Dimensional U.S. Core Equity 1 Fund - Service Class	0.73%2	27.10%	16.30%	15.09%
Long-term capital appreciation.	LVIP Dimensional U.S. Core Equity 2 Fund - Service Class	0.73%	27.46%	14.92%	N/A
Long-term capital appreciation. A fund of funds.	LVIP Dimensional U.S. Equity Managed Volatility Fund - Service Class	0.85%2	27.38%	13.82%	11.89%
Capital Appreciation. A fund of funds.	LVIP Fidelity Institutional AM® Select Core Equity Managed Volatility Fund - Service Class	1.00%2	26.54%	15.08%	N/A
Long-term capital growth.	LVIP Franklin Templeton Global Equity Managed Volatility Fund - Service Class	0.96%2	17.03%	10.19%	7.97%
Long-term growth of capital.	LVIP Franklin Templeton Multi-Asset Opportunities Fund - Service Class This fund will merge into the LVIP BlackRock Global Allocation Fund on or about June 17, 2022. Consult your registered representative.	1.09%2	10.98%	9.72%	N/A
A balance between current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP Global Aggressive Growth Allocation Managed Risk Fund - Service Class	0.99%2	14.45%	N/A	N/A
A high level of current income with some consideration given to growth of capital. A fund of funds.	LVIP Global Conservative Allocation Managed Risk Fund - Service Class	0.98%2	7.37%	6.69%	5.99%
A balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP Global Growth Allocation Managed Risk Fund - Service Class	0.95%2	12.49%	8.15%	6.57%
Current income consistent with the preservation of capital.	LVIP Global Income Fund - Service Class	0.90%2	-5.33%	2.72%	1.73%

A-4

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
A balance between a high level of current income and growth of capital, with an emphasis on growth of capital. A fund of funds.	LVIP Global Moderate Allocation Managed Risk Fund - Service Class	0.96%2	10.54%	7.62%	6.26%
Current income while (i) maintaining a stable value of your shares (providing stability of net asset value) and (ii) preserving the value of your initial investment (preservation of capital).	LVIP Government Money Market Fund - Service Class	0.67%	0.02%	0.61%	0.32%
Capital Appreciation.	LVIP Invesco Select Equity Income Managed Volatility Fund - Service Class	0.92%2	20.19%	10.31%	N/A
A high level of current income; capital appreciation is the secondary objective.	LVIP JPMorgan High Yield Fund - Service Class	0.91%2	6.16%	5.39%	5.81%
Current income and some capital appreciation. A fund of funds.	LVIP JPMorgan Retirement Income Fund - Service Class	0.94%2	5.60%	6.68%	6.03%
Long-term capital appreciation.	LVIP JPMorgan Select Mid Cap Value Managed Volatility Fund - Service Class	1.01%2	28.75%	8.84%	8.86%
Capital Appreciation. A fund of funds.	LVIP MFS International Equity Managed Volatility Fund - Service Class	1.15%2	12.14%	11.22%	N/A
Long-term capital appreciation.	LVIP MFS International Growth Fund - Service Class	1.03%2	10.97%	14.20%	9.79%
Capital Appreciation.	LVIP MFS Value Fund - Service Class	0.87%2	25.15%	12.04%	13.21%
Long-term capital appreciation as measured by the change in the value of fund shares over a period of three years or longer.	LVIP Mondrian International Value Fund - Service Class	0.99%2	10.99%	5.81%	5.49%
Long-term growth of capital. A fund of funds.	LVIP Multi-Manager Global Equity Managed Volatility Fund - Service Class	1.13%2	15.49%	11.76%	N/A
To seek a high level of current income consistent with preservation of capital.	LVIP PIMCO Low Duration Bond Fund - Service Class	0.75%2	-0.89%	1.66%	N/A
To match as closely as practicable, before fees and expenses, the performance of the Barclays Capital U.S. Aggregate Index.	LVIP SSGA Bond Index Fund - Service Class	0.61%2	-2.22%	2.98%	2.30%
A high level of current income, with some consideration given to growth of capital. A fund of funds.	LVIP SSGA Conservative Index Allocation Fund - Service Class	0.76%2	6.10%	7.46%	6.03%
A high level of current income, with some consideration given to growth of capital. A fund of funds.	LVIP SSGA Conservative Structured Allocation Fund - Service Class	0.82%	7.17%	6.62%	5.74%
To maximize long-term capital appreciation.	LVIP SSGA Developed International 150 Fund - Service Class	0.64%2	12.87%	5.32%	6.37%
To maximize long-term capital appreciation.	LVIP SSGA Emerging Markets 100 Fund - Service Class	0.72%2	8.51%	5.20%	2.57%
A balance between current income and growth of capital, with a greater emphasis on growth of capital.	LVIP SSGA Emerging Markets Equity Index Fund - Service Class	0.75%2	-3.54%	N/A	N/A
Long-term growth of capital. A fund of funds.	LVIP SSGA Global Tactical Allocation Managed Volatility Fund - Service Class	0.80%2	12.29%	7.74%	6.04%

A-5

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
To approximate as closely as practicable, before fees and expenses, the performance of a broad market index of non-U.S. foreign securities.	LVIP SSGA International Index Fund - Service Class	0.62%2	10.78%	9.13%	7.45%
Capital Appreciation. A fund of funds.	LVIP SSGA International Managed Volatility Fund - Service Class	0.85%2	10.49%	7.02%	N/A
To maximize long-term capital appreciation.	LVIP SSGA Large Cap 100 Fund - Service Class	0.60%2	31.54%	12.50%	13.88%
Capital Appreciation. A fund of funds.	LVIP SSGA Large Cap Managed Volatility Fund - Service Class	0.72%2	27.77%	15.43%	N/A
Seek to approximate as closely as practicable, before fees and expenses, the performance of a broad market index that emphasizes stocks of mid-sized U.S. companies.	LVIP SSGA Mid-Cap Index Fund - Service Class	0.59%2	24.06%	12.43%	N/A
A balance between a high level of current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP SSGA Moderate Index Allocation Fund - Service Class	0.75%	10.12%	9.52%	7.93%
A balance between a high level of current income and growth of capital, with an emphasis on growth of capital. A fund of funds.	LVIP SSGA Moderate Structured Allocation Fund - Service Class	0.78%	11.87%	8.31%	7.50%
A balance between high level of current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP SSGA Moderately Aggressive Index Allocation Fund - Service Class	0.75%	11.09%	10.26%	8.60%
A balance between high level of current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP SSGA Moderately Aggressive Structured Allocation Fund - Service Class	0.81%	13.39%	8.73%	8.01%
To approximate as closely as practicable, before fees and expenses, the total rate of return of common stocks publicly traded in the United States, as represented by the S&P 500 Index.	LVIP SSGA S&P 500 Index Fund - Service Class4	0.48%	28.10%	17.89%	15.98%
To provide investment results that, before fees and expenses, correspond generally to the price and yield performance of an index that tracks the short-term U.S. corporate bond market.	LVIP SSGA Short-Term Bond Index Fund - Service Class	0.61%2	-0.77%	N/A	N/A
To approximate as closely as practicable, before fees and expenses, the performance of the Russell 2000® Index, which emphasizes stocks of small U.S. companies.	LVIP SSGA Small-Cap Index Fund - Service Class	0.63%2	14.27%	11.28%	12.48%
To maximize long-term capital appreciation.	LVIP SSGA Small-Mid Cap 200 Fund - Service Class	0.63%2	33.32%	9.06%	11.42%
Capital Appreciation. A fund of funds.	LVIP SSGA SMID Cap Managed Volatility Fund - Service Class	0.86%2	15.95%	9.11%	N/A

A-6

Investment Objective	Fund and Adviser/Sub-adviser1	Current Expenses	Average Annual Total Returns (as of 12/31/2021)
			1 year	5 year	10 year
Long-term capital growth.	LVIP T. Rowe Price Growth Stock Fund - Service Class	0.91%2	20.18%	22.98%	18.75%
To maximize capital appreciation.	LVIP T. Rowe Price Structured Mid-Cap Growth Fund - Service Class	0.96%2	13.56%	19.73%	16.66%
A balance between current income and growth of capital, with a greater emphasis on growth of capital. A fund of funds.	LVIP U.S. Aggressive Growth Allocation Managed Risk Fund - Service Class	1.05%2	17.88%	N/A	N/A
High level of current income and growth of capital, with an emphasis on growth of capital. A fund of funds.	LVIP U.S. Growth Allocation Managed Risk Fund - Service Class	1.03%2	15.08%	9.75%	N/A
Total return consistent with the preservation of capital. A fund of funds.	LVIP Vanguard Bond Allocation Fund - Service Class	0.62%	-1.54%	2.62%	1.97%
Long-term capital appreciation. A fund of funds.	LVIP Vanguard Domestic Equity ETF Fund - Service Class	0.56%2	25.42%	17.24%	15.22%
Long-term capital appreciation. A fund of funds.	LVIP Vanguard International Equity ETF Fund - Service Class	0.58%2	7.89%	9.64%	7.48%
Capital growth.	LVIP Wellington Capital Growth Fund - Service Class	0.95%2	16.82%	26.35%	20.18%
Long-term capital appreciation.	LVIP Wellington SMID Cap Value Fund - Service Class	1.03%2	27.88%	10.28%	12.46%
Maximize total return.	LVIP Western Asset Core Bond Fund - Service Class	0.75%	-1.97%	3.87%	N/A
Capital Appreciation.	MFS® VIT Growth Series - Service Class	0.96%2	23.24%	24.56%	19.03%
Total return.	MFS® VIT Total Return Series - Service Class	0.86%2	13.84%	9.57%	9.31%
Total return.	MFS® VIT Utilities Series - Service Class	1.03%2	13.82%	11.61%	9.65%
Balanced investment composed of a well-diversified portfolio of stocks and bonds which produce both capital growth and current income.	Putnam VT George Putnam Balanced Fund - Class IB	0.89%	14.04%	12.70%	11.06%
Capital growth and current income.	Putnam VT Large Cap Value Fund - Class IB	0.81%	27.30%	13.81%	14.11%

The name of the adviser or sub-adviser is not listed if the name is incorporated into the name of the fund or the fund company.

This fund is subject to an expense reimbursement or fee waiver arrangement. As a result, this fund’s annual expenses reflect temporary expense reductions. See the fund prospectus for additional information.

Investments in Delaware VIP Series, Delaware Funds, Ivy Variable Insurance Portfolios, Ivy Funds, LVIP Delaware Funds or Lincoln Life accounts managed by Macquarie Investment Management Advisers, a series of Macquarie Investments Management Business Trust, are not and will not be deposits with or liabilities of Macquarie Bank Limited ABN 46008 583 542 and its holding companies, including their subsidiaries or related companies, and are subject to investment risk, including possible delays in prepayment and loss of income and capital invested. No Macquarie Group company guarantees or will guarantee the performance of the series or funds or accounts, the repayment of capital from the series or funds or account, or any particular rate of return.

The index to which this fund is managed is a product of S&P Dow Jones Indices LLC (“SPDJI”) and has been licensed for use by one or more of the portfolio’s service providers (licensee). Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (S&P); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by the licensees. S&P®, S&P GSCI® and the index are trademarks of S&P and have been licensed for use by SPDJI and its affiliates and sublicensed for certain purposes by the licensee. The Index is not owned, endorsed, or approved by or associated with any additional third party. The licensee’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, or their third party licensors, and none of these parties or their respective affiliates or third party licensors make any representation regarding the advisability of investing in such products, nor do they have any liability for any errors, omissions, or interruptions of the Index.

Standard & Poor’s®,” “S&P®,” “Standard & Poor’s Equal Weight Index,” “S&P EWI,” “S&P 500®,” “Standard & Poor’s 500” and “500” are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by the Invesco V.I. Equally-Weighted S&P 500 Fund. The fund is not sponsored, endorsed, sold or promoted by S&P, and S&P makes no representation regarding the advisability of investing in the fund.

A-7

Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademark has been licensed to S&P Dow Jones Indices LLC and has been sublicensed for use for certain purposes by First Trust Advisors L.P. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product.

A-8

Appendix B — Investment Requirements

If you purchase a Living Benefit Rider (except i4LIFE® Advantage without the Guaranteed Income Benefit), you are subject to Investment Requirements. This means you are limited in your choice of Subaccount investments and may be limited in how much you can invest in certain Subaccounts. This also means you are not able to allocate Contract Value to all of the Subaccounts that are available to Contractowners who have not elected a Living Benefit Rider. We impose Investment Requirements to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under a Living Benefit Rider.

If you elect Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk) or i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) you must allocate your Contract Value in accordance with the Investment Requirements for Managed Risk Riders section below. If you elect any other Living Benefit Rider, you must allocate your Contract Value in accordance with the Investment Requirements for other Living Benefit Riders sections below, according to which rider you purchased and the date of purchase. Currently, if you purchase i4LIFE® Advantage without the Guaranteed Income Benefit, you will not be subject to any Investment Requirements, although we reserve the right to impose Investment Requirements for this rider in the future. If we do exercise our right to do so, you will have to reallocate your Account Value subject to such requirements.

If you elect a Living Benefit Rider, Investment Requirements apply whether you purchase the rider at contract issue, or add it to an existing Contract. You must hold the rider for a minimum period of time after election (the minimum time is specified under the Termination section of each rider). During this time, you will be required to adhere to the Investment Requirements. After this time, failure to adhere to the Investment Requirements will result in termination of the rider.

Certain Living Benefit Riders guarantee you the right to transition to a version of i4LIFE® Advantage Guaranteed Income Benefit even if that version is no longer available for purchase. If you transition to i4LIFE® Advantage Guaranteed Income Benefit, the Investment Requirements under your Prior Living Benefit Rider continue to apply. See i4LIFE® Advantage – i4LIFE® Advantage Guaranteed Income Benefit Transitions for a discussion of this transition.

Certain of the underlying funds that are included in the Investment Requirements, including funds managed by an adviser affiliated with us, employ risk management strategies that are intended to control the funds’ overall volatility, and for some funds, to also reduce the downside exposure of the funds during significant market downturns. These funds are included under Investment Requirements (particularly in the Investment Requirements for the Managed Risk riders) in part because the reduction in volatility helps us to reduce the risk of investment losses that may require us to use our own assets to make guaranteed payments under a Living Benefit Rider. At the same time, risk management strategies in periods of high market volatility or other market conditions, could limit your participation in market gains. This may conflict with your investment objectives by limiting your ability to maximize potential growth of your Contract Value and, in turn, the value of any guaranteed benefit that is tied to investment performance. You should consult with your registered representative to determine whether these funds align with your investment objectives. For more information about the funds and the investment strategies they employ, please refer to the funds’ current prospectuses. Fund prospectuses are available by contacting us.

If you purchase a Living Benefit Rider (except i4LIFE® Advantage without the Guaranteed Income Benefit), you agree to be automatically enrolled in the portfolio rebalancing option under your Contract and thereby authorize us to automatically rebalance your Contract Value on a periodic basis. (This portfolio rebalancing will continue while a death claim is being settled, if the Living Benefit Rider could continue on an additional measuring life.) On each quarterly anniversary of the effective date of the rider, we will rebalance your Contract Value in accordance with your allocation instructions in effect at the time of the rebalancing. Any reallocation of Contract Value among the Subaccounts made by you prior to a rebalancing date will become your allocation instructions for rebalancing purposes. Confirmation of the rebalancing will appear on your quarterly statement. If we rebalance Contract Value from the Subaccounts and your allocation instructions do not comply with the Investment Requirements, then the portion of the rebalanced Contract Value that does not meet the Investment Requirements will be allocated to the Delaware VIP® Limited-Term Diversified Income Series as the default investment option or any other Subaccount that we may designate for that purpose. These investments will become your allocation instructions until you tell us otherwise.

Some investment options are not available to you if you purchase certain riders. The Investment Requirements may not be consistent with an aggressive investment strategy. You should consult with your registered representative to determine if the Investment Requirements are consistent with your investment objectives.

For certain Living Benefit Riders, the Subaccounts of your Contract are divided into groups and have specified minimum or maximum percentages of Contract Value that must be in each group at the time you purchase the rider. Please review the Investment Requirements below to determine which Investment Requirements apply to your rider. You can select the percentages of Contract Value to allocate to individual Subaccounts within each group, but the total investment for all Subaccounts within the group must comply with the specified minimum or maximum percentages for that group. We may change the list of Subaccounts in a group, change the number of groups, change the minimum or maximum percentages of Contract Value allowed in a group, change the investment options that are or are not available to you, or change the rebalancing frequency at any time in our sole discretion. For other Living Benefit Riders, we may only make certain Subaccounts available to you, which are listed below.

B-1

For all Living Benefit Riders, we may make Subaccounts unavailable to you at any time in our sole discretion. You will be notified at least 30 days prior to the date of any change. We may make such modifications at any time when we believe the modifications are necessary to protect our ability to provide the guarantees under these riders. Our decision to make modifications will be based on several factors including the general market conditions and the style and investment objectives of the subaccount investments.

At the time you receive notice of a change to the Investment Requirements, you may:

submit your own reallocation instructions for the Contract Value, before the effective date specified in the notice, so that the Investment Requirements are satisfied; or

take no action and be subject to the quarterly rebalancing as described above. If this results in a change to your allocation instructions, then these will be your new allocation instructions until you tell us otherwise; or

terminate the applicable rider immediately, without waiting for a termination event, if you do not wish to be subject to these Investment Requirements.

Investment Requirements for Managed Risk Riders. If you elect Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk), are transitioning from this rider to i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk), or elect i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk), you must currently allocate your Contract Value among one or more of the following Subaccounts only. Not all funds may be available, refer to the “Description of the Funds” section of this prospectus for more information.

Group 1 Investments must be at least 20% of Contract Value or Account Value	Group 2 Investments cannot exceed 80% of Contract Value or Account Value	Group 3 Investments cannot exceed 10% of Contract Value or Account Value
JPMorgan Insurance Trust Core Bond Portfolio LVIP BlackRock Inflation Protected Bond Fund LVIP Delaware Bond Fund LVIP Delaware Diversified Floating Rate Fund LVIP Delaware Diversified Income Fund LVIP Delaware Limited-Term Diversified Income Fund LVIP PIMCO Low Duration Bond Fund LVIP SSGA Bond Index Fund LVIP SSGA Short-Term Bond Index Fund LVIP Vanguard Bond Allocation Fund LVIP Western Asset Core Bond Fund	LVIP American Century Select Mid Cap Managed Volatility Fund LVIP BlackRock Dividend Value Managed Volatility Fund LVIP BlackRock Global Allocation Managed Risk Fund LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund LVIP Blended Large Cap Growth Managed Volatility Fund LVIP Blended Mid Cap Managed Volatility Fund LVIP ClearBridge Franklin Select Large Cap Managed Volatility Fund LVIP Dimensional International Equity Managed Volatility Fund LVIP Dimensional U.S. Equity Managed Volatility Fund LVIP Fidelity Institutional AM® Select Core Equity Managed Volatility Fund LVIP Franklin Templeton Global Equity Managed Volatility Fund LVIP Global Aggressive Growth Allocation Managed Risk Fund LVIP Global Conservative Allocation Managed Risk Fund LVIP Global Growth Allocation Managed Risk Fund LVIP Global Moderate Allocation Managed Risk Fund LVIP Invesco Select Equity Income Managed Volatility Fund LVIP JPMorgan Select Mid Cap Value Managed Volatility Fund LVIP MFS International Equity Managed Volatility Fund LVIP Multi-Manager Global Equity Managed Volatility Fund LVIP SSGA Global Tactical Allocation Managed Volatility Fund LVIP SSGA International Managed Volatility Fund LVIP SSGA Large Cap Managed Volatility Fund LVIP SSGA SMID Cap Managed Volatility Fund LVIP U.S. Aggressive Growth Allocation Managed	No subaccounts at this time.

B-2

Group 1 Investments must be at least 20% of Contract Value or Account Value	Group 2 Investments cannot exceed 80% of Contract Value or Account Value	Group 3 Investments cannot exceed 10% of Contract Value or Account Value
	Risk LVIP U.S. Growth Allocation Managed Risk Fund

The fixed account is only available for dollar cost averaging.

As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value or i4LIFE® Advantage Account Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4LIFE® Advantage Account Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2 restrictions.

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JPMorgan Insurance Trust Core Bond Portfolio

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LVIP BlackRock Global Allocation Managed Risk Fund

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LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund

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LVIP BlackRock Inflation Protected Bond Fund

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LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund

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LVIP Delaware Bond Fund

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LVIP Delaware Diversified Floating Rate Fund

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LVIP Delaware Diversified Income Fund

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LVIP Delaware Limited-Term Diversified Income Fund

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LVIP Global Aggressive Growth Allocation Managed Risk Fund

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LVIP Global Conservative Allocation Managed Risk Fund

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LVIP Global Growth Allocation Managed Risk Fund

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LVIP Global Moderate Allocation Managed Risk Fund

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LVIP PIMCO Low Duration Bond Fund

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LVIP SSGA Bond Index Fund

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LVIP SSGA Global Tactical Allocation Managed Volatility Fund

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LVIP SSGA Short-Term Bond Index Fund

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LVIP U.S. Aggressive Growth Allocation Managed Risk Fund

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LVIP U.S. Growth Allocation Managed Risk Fund

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LVIP Vanguard Bond Allocation Fund

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LVIP Western Asset Core Bond Fund

Additionally, Contract Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. If so, currently 100% of the Contract Value can be allocated to one of the following models: 80/20 Global Allocation Managed Volatility Model, 80/20 U.S. Allocation Managed Volatility Model or 70/30 Global Allocation Managed Volatility Model. You may only choose one asset allocation model at a time, though you may change to a different asset allocation model available in your Contract. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change.

Investment Requirements for other Living Benefit Riders. If you elect Lincoln Market Select® Advantage, Lincoln Max 6 SelectSM Advantage, or 4LATER® Select Advantage, or you are transitioning to i4LIFE® Advantage Select Guaranteed Income Benefit from one of these riders, you must currently allocate your Contract Value or i4LIFE® Advantage Account Value among one or more of the following Subaccounts.

Group 1

Investments must be at least 20% of Contract Value or Account Value.

Group 2

Investments cannot exceed 80% of Contract Value or Account Value.

JPMorgan Insurance Trust Core Bond Portfolio

LVIP BlackRock Inflation Protected Bond Fund

LVIP Delaware Bond Fund

LVIP Delaware Diversified Floating Rate Fund

LVIP Delaware Diversified Income Fund

LVIP Delaware Limited-Term Diversified Income Fund

LVIP PIMCO Low Duration Bond Fund

LVIP SSGA Bond Index Fund

LVIP SSGA Short-Term Bond Index Fund

LVIP Vanguard Bond Allocation Fund

LVIP Western Asset Core Bond Fund

AB VPS Small/Mid Cap Value Portfolio

American Century VP Balanced Fund

American Century VP Large Company Value Fund

ClearBridge Variable Large Cap Growth Portfolio

Delaware VIP® Small Cap Value Series

Fidelity® VIP Balanced Portfolio

Fidelity® VIP Contrafund® Portfolio

Fidelity® VIP FundsManager® 50% Portfolio

Fidelity® VIP Mid Cap Portfolio

First Trust Capital Strength Portfolio

First Trust/Dow Jones Dividend & Income Allocation Portfolio

Franklin Allocation VIP Fund

Franklin Income VIP Fund

Franklin Multi-Asset Variable Conservative Growth Fund

Franklin Mutual Shares VIP Fund

Invesco V.I. Equally-Weighted S&P 500 Fund

Invesco V.I. EQV International Equity Fund

JPMorgan Insurance Trust Global Allocation Portfolio

LVIP American Global Growth Fund

LVIP American Growth Fund

LVIP American Growth-Income Fund

B-3

Group 1

Investments must be at least 20% of Contract Value or Account Value.

Group 2

Investments cannot exceed 80% of Contract Value or Account Value.

LVIP American International Fund

LVIP Baron Growth Opportunities Fund

LVIP BlackRock Global Allocation Fund

LVIP BlackRock Global Allocation Managed Risk Fund

LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund

LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund

LVIP Delaware Mid Cap Value Fund

LVIP Delaware Social Awareness Fund

LVIP Delaware U.S. Growth Fund

LVIP Delaware Value Fund

LVIP Delaware Wealth Builder Fund

LVIP Dimensional International Core Equity Fund

LVIP Dimensional U.S. Core Equity 1 Fund

LVIP Dimensional U.S. Core Equity 2 Fund

LVIP Global Aggressive Growth Allocation Managed Risk Fund

LVIP Global Conservative Allocation Managed Risk Fund

LVIP Global Growth Allocation Managed Risk Fund

LVIP Global Moderate Allocation Managed Risk Fund

LVIP Government Money Market Fund

LVIP JPMorgan High Yield Fund

LVIP JPMorgan Retirement Income Fund

LVIP MFS International Growth Fund

LVIP MFS Value Fund

LVIP Mondrian International Value Fund

LVIP SSGA Conservative Index Allocation Fund

LVIP SSGA Conservative Structured Allocation Fund

LVIP SSGA Developed International 150 Fund

LVIP SSGA Global Tactical Allocation Managed Volatility Fund

LVIP SSGA International Index Fund

LVIP SSGA Large Cap 100 Fund

LVIP SSGA Mid-Cap Index Fund

LVIP SSGA Moderate Index Allocation Fund

LVIP SSGA Moderate Structured Allocation Fund

LVIP SSGA Moderately Aggressive Index Allocation Fund

LVIP SSGA Moderately Aggressive Structured Allocation Fund

LVIP SSGA S&P 500 Index Fund

LVIP SSGA Small-Cap Index Fund

LVIP SSGA Small-Mid Cap 200 Fund

LVIP T. Rowe Price Structured Mid-Cap Growth Fund

LVIP U.S. Aggressive Growth Allocation Managed Risk Fund

LVIP U.S. Growth Allocation Managed Risk Fund

LVIP Vanguard Domestic Equity ETF Fund

LVIP Vanguard International Equity ETF Fund

LVIP Wellington SMID Cap Value Fund

MFS® VIT Growth Series

MFS® VIT Total Return Series

Putnam VT George Putnam Balanced Fund

Putnam VT Large Cap Value Fund

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American Century VP Balanced Fund

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Fidelity® VIP Balanced Portfolio

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Fidelity® VIP FundsManager® 50% Portfolio

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First Trust/Dow Jones Dividend & Income Allocation Portfolio

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Franklin Allocation VIP Fund

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Franklin Multi-Asset Variable Conservative Growth Fund

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JPMorgan Insurance Trust Core Bond Portfolio

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LVIP BlackRock Global Allocation Fund

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LVIP BlackRock Global Allocation Managed Risk Fund

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LVIP BlackRock Global Growth ETF Allocation Managed Risk Fund

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LVIP BlackRock Inflation Protected Bond Fund

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LVIP BlackRock U.S. Growth ETF Allocation Managed Risk Fund

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LVIP Delaware Bond Fund

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LVIP Delaware Diversified Floating Rate Fund

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LVIP Delaware Diversified Income Fund

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LVIP Delaware Limited-Term Diversified Income Fund

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LVIP Delaware Wealth Builder Fund

B-4

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LVIP Global Aggressive Growth Allocation Managed Risk Fund

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LVIP Global Conservative Allocation Managed Risk Fund

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LVIP Global Growth Allocation Managed Risk Fund

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LVIP Global Moderate Allocation Managed Risk Fund

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LVIP JPMorgan Retirement Income Fund

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LVIP PIMCO Low Duration Bond Fund

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LVIP SSGA Bond Index Fund

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LVIP SSGA Conservative Index Allocation Fund

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LVIP SSGA Conservative Structured Allocation Fund

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LVIP SSGA Global Tactical Allocation Managed Volatility Fund

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LVIP SSGA Moderate Index Allocation Fund

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LVIP SSGA Moderate Structured Allocation Fund

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LVIP SSGA Moderately Aggressive Index Allocation Fund

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LVIP SSGA Moderately Aggressive Structured Allocation Fund

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LVIP SSGA Short-Term Bond Index Fund

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LVIP U.S. Aggressive Growth Allocation Managed Risk Fund

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LVIP U.S. Growth Allocation Managed Risk Fund

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LVIP Vanguard Bond Allocation Fund

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LVIP Western Asset Core Bond Fund

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MFS® VIT Total Return Series

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Putnam VT George Putnam Balanced Fund

The fixed account is only available for dollar cost averaging.

B-5

This initial summary prospectus incorporates by reference the prospectus and statement of additional information (SAI) for the Contract, both dated May 1, 2022, as may be amended or supplemented from time to time. The SAI may be obtained, free of charge, in the same manner as the prospectus.

SEC File Nos. 333-170897; 811-08517
EDGAR Contract Identifier C000096925

	Single Life	Joint Life
Current Initial Annual Charge	1.50%	1.60%

Single Life PAI Rate		Joint Life PAI Rate
Age	PAI Rate	Age	PAI Rate
59 – 64	4.50%	59 – 64	4.00%
65 – 69	5.65%	65 – 69	4.90%
70 – 74	5.75%	70 – 74	5.00%
75+	5.85%	75+	5.30%

Single Life PAI Rate		Joint Life PAI Rate
Age	PAI Rate	Age	PAI Rate
59 – 64	4.00%	59 – 64	3.60%
65 – 69	5.15%	65 – 69	4.50%
70 – 74	5.25%	70 – 74	4.60%
75+	5.35%	75+	4.90%

TABLE A			TABLE B
Age	Single Life Option	Joint Life Option	Age	Single Life Option	Joint Life Option
59 – 64	5.30%	4.80%	59 – 64	3.00%	2.75%
65 – 69	6.00%	5.50%	65 – 69	4.00%	3.75%
70 – 74	6.50%	6.00%	70 – 74	4.00%	3.75%
75+	6.60%	6.10%	75+	4.00%	3.75%

TABLE A			TABLE B
Age	Single Life Option	Joint Life Option	Age	Single Life Option	Joint Life Option
59 – 64	5.65%	5.15%	59 – 64	3.00%	2.75%
65 – 69	6.35%	5.85%	65 – 69	4.00%	3.75%
70 – 74	6.85%	6.35%	70 – 74	4.00%	3.75%
75+	6.95%	6.45%	75+	4.00%	3.75%

i4LIFE® Advantage Select Guaranteed Income Benefit for Contractowners who transition from Lincoln ProtectedPay Select CoreSM	Single Life	Joint Life
Current Initial Annual Charge	1.50%	1.60%

Single Life GIB %		Joint Life GIB %
Age	GIB %	Age	GIB %
Under 40	2.10%	Under 40	2.10%
40 – 54	2.60%	40 – 54	2.30%
55 – 58	2.60%	55 – 58	2.30%
59 – 64	3.35%	59 – 64	2.85%
65 – 69	4.35%	65 – 69	3.60%
70 – 74	4.85%	70 – 74	3.85%
75 – 79	5.10%	75 – 79	4.10%
80+	5.10%	80+	4.35%

Name	Positions and Offices with Depositor
Craig T. Beazer*	Executive Vice President, General Counsel and Director
Jayson R. Bronchetti*	Executive Vice President, Chief Investment Officer and Director
Adam M. Cohen*	Senior Vice President and Chief Accounting Officer
Ellen G. Cooper*	President and Director
Randal J. Freitag*	Executive Vice President, Chief Financial Officer and Director
Stephen B. Harris*	Senior Vice President and Chief Ethics and Compliance Officer
Shantanu Mishra*	Senior Vice President and Treasurer
Keith J. Ryan**	Vice President and Director
Nancy A. Smith*	Senior Vice President and Secretary
Joseph D. Spada***	Vice President and Chief Compliance Officer for Separate Accounts

Name	Positions and Offices with Underwriter
Andrew J. Bucklee*	Senior Vice President and Director
Claire H. Hanna*	Secretary
John C. Kennedy*	President, Chief Executive Officer and Director
Shantanu Mishra*	Senior Vice President and Treasurer
William A. Nash**	Senior Vice President and Director
Thomas P. O'Neill*	Senior Vice President, Chief Operating Officer and Head of Financial Institutions Group
Timothy J. Seifert Sr*	Senior Vice President and Director
Vacant	Chief Compliance Officer

Signature	Title
*/s/ Ellen G. Cooper Ellen G. Cooper	President and Director (Principal Executive Officer)
* /s/ Randal J. Freitag Randal J. Freitag	Executive Vice President, Chief Financial Officer, and Director (Principal Financial Officer)
* /s/ Craig T. Beazer Craig T. Beazer	Executive Vice President and Director
* /s/ Jayson R. Bronchetti Jayson R. Bronchetti	Executive Vice President, Chief Investment Officer, and Director
* /s/ Adam M. Cohen Adam M. Cohen	Senior Vice President and Chief Accounting Officer
* /s/ Keith J. Ryan Keith J. Ryan	Vice President and Director
* By /s/ Delson R. Campbell, Pursuant to a Power of Attorney Delson R. Campbell