Lincoln InvestmentSolutions RIA Estate Lock Death Benefit Rider Charge Rate Lincoln ProtectedPay and Estate Lock Protected Lifetime Income Fee Rate Current Initial Protected Lifetime Income Fee Rate Single Life Current Initial Protected Lifetime Income Fee Rate Joint Life i4LIFE Advantage Select Guaranteed Income Benefit Contractowners from Lincoln ProtectedPay Select Core Single i4LIFE Advantage Select Guaranteed Income Benefit Contractowners from Lincoln ProtectedPay Select Core Joint i4LIFE Advantage Select Guaranteed Income Benefit Contractowners from 4LATER Select Advantage Single i4LIFE Advantage Select Guaranteed Income Benefit Contractowners from 4LATER Select Advantage Joint i4LIFE Advantage Select Guaranteed Income Benefit - Single Life i4LIFE Advantage Select Guaranteed Income Benefit - Joint Life Guarantee of Principal Death Benefit Age at Issue 1 to 80 Guarantee of Principal Death Benefit Age at Issue 81 to 85 Dollar-Cost Averaging Portfolio Rebalancing Automatic Withdrawal Service Advisory Fee Withdrawals Highest Anniversary Death Benefit Estate Lock Death Benefit Lincoln ProtectedPay Select Core and Estate Lock - Joint Life Lincoln ProtectedPay Select Core and Estate Lock - Single Life Lincoln ProtectedPay Select Plus - Single Life Lincoln ProtectedPay Select Plus - Joint Life Lincoln ProtectedPay Select Core - Single Life Lincoln ProtectedPay Select Core - Joint Life Lincoln ProtectedPay Select Max - Joint Life Lincoln ProtectedPay Select Max - Single Life 4LATER Select Advantage - Single Life i4LIFE Advantage Guaranteed Income Benefit with i4LIFE Advantage - Single Life Guaranteed Income Benefit with i4LIFE Advantage - Joint Life Lincoln ProtectedPay Secure Core and Estate Lock - Single Life Lincoln ProtectedPay Secure Max - Joint Life Lincoln ProtectedPay Secure Max - Single Life Lincoln ProtectedPay Secure Plus - Joint Life Lincoln ProtectedPay Secure Plus - Single Life Lincoln ProtectedPay Secure Core - Joint Life Lincoln ProtectedPay Secure Core - Single Life Lincoln Lifetime Income Advantage 2.0 (Managed Risk) - Single Life Lincoln Lifetime Income Advantage 2.0 (Managed Risk) - Joint Life Lincoln Market Select Advantage - Single Life Lincoln Market Select Advantage - Joint Life Lincoln Max 6 Select Advantage - Single Life Lincoln Max 6 Select Advantage - Joint Life i4Life Advantage Guaranteed Income Benefit - Single Life i4Life Advantage Guaranteed Income Benefit - Joint Life AB VPS Discovery Value Portfolio - Class A American Funds® IS American Funds Global Balanced Fund - Class 1A American Funds® IS American Funds Mortgage Fund - Class 1A American Funds® IS American High-Income Trust - Class 1A American Funds® IS Asset Allocation Fund - Class 1A American Funds® IS Capital Income Builder - Class 1A American Funds® IS Capital World Bond Fund - Class 1A American Funds® IS Capital World Growth and Income Fund - Class 1A American Funds® IS Global Growth Fund - Class 1A American Funds® IS Global Small Capitalization Fund - Class 1A American Funds® IS Growth Fund - Class 1A American Funds® IS Growth-Income Fund - Class 1A American Funds® IS International Fund - Class 1A American Funds® IS International Growth and Income Fund - Class 1A American Funds® IS Managed Risk Asset Allocation Fund - Class P1 American Funds® IS Managed Risk Growth Fund - Class P1 American Funds® IS Managed Risk Growth-Income Fund - Class P1 American Funds® IS Managed Risk International Fund - Class P1 American Funds® IS Managed Risk Washington Mutual Investors Fund - Class P1 American Funds® IS New World Fund - Class 1A American Funds® IS The Bond Fund of America - Class 1A American Funds® IS U.S. Government Securities Fund - Class 1A American Funds® IS Washington Mutual Investors Fund - Class 1A ClearBridge Variable Mid Cap Portfolio - Class I DWS Alternative Asset Allocation VIP Portfolio - Class A Fidelity® VIP Balanced Portfolio - Initial Class Fidelity® VIP FundsManager® 50 Portfolio - Investor Class Fidelity® VIP Mid Cap Portfolio - Initial Class First Trust Capital Strength Hedged Equity Portfolio - Class I First Trust Capital Strength Portfolio - Class I First Trust Growth Strength Portfolio - Class I First Trust International Developed Capital Strength Portfolio - Class I First TrustDow Jones Dividend Income Allocation Portfolio - Class I Franklin Multi-Asset Variable Conservative Growth - Class I Invesco V.I. Equally-Weighted SP 500 Fund - Series I Shares Invesco V.I. EQV International Equity Fund - Series I Shares Lincoln Hedged Nasdaq-100 Fund - Standard Class Lincoln Hedged SP 500 Conservative Fund - Standard Class Lincoln Hedged SP 500 Fund - Standard Class Lincoln Opportunistic Hedged Equity Fund - Standard Class LVIP American Balanced Allocation Fund - Standard Class LVIP American Century Balanced Fund - Standard Class II LVIP American Century Capital Appreciation Fund - Standard Class II LVIP American Century Inflation Protection Fund - Standard Class II LVIP American Century International Fund - Standard Class II LVIP American Century Large Company Value Fund - Standard Class II LVIP American Century Mid Cap Value Fund - Standard Class II LVIP American Century Ultra Fund - Standard Class LVIP American Century Value Fund - Standard Class II LVIP American Funds Vanguard Active Passive Growth Fund - Service Class LVIP American Growth Allocation Fund - Standard Class LVIP American Income Allocation Fund - Standard Class LVIP Avantis Large Cap Value Fund - Standard Class II LVIP Baron Growth Opportunities Fund - Standard Class LVIP BlackRock Global Allocation Fund - Standard Class LVIP BlackRock Inflation Protected Bond Fund - Standard Class LVIP Channing Small Cap Value Fund - Standard Class LVIP ClearBridge Appreciation Fund - Standard Class LVIP ClearBridge Dividend Strategy Fund - Standard Class LVIP ClearBridge Large Cap Growth Fund - Standard Class LVIP ClearBridge Large Cap Value Fund - Standard Class LVIP Dimensional International Core Equity Fund - Standard Class LVIP Dimensional International Equity Managed Volatility Fund - Standard Class LVIP Dimensional U.S. Core Equity 1 Fund - Standard Class LVIP Dimensional U.S. Core Equity 2 Fund - Standard Class LVIP Dimensional U.S. Equity Managed Volatility Fund - Standard Class LVIP Fidelity Institutional AM Total Bond Fund - Standard Class LVIP Franklin Templeton Core Bond Fund - Standard Class LVIP Franklin Templeton Multi-Factor Emerging Markets Equity Fund - Standard Class LVIP Franklin Templeton Multi-Factor International Equity Fund - Standard Class LVIP Franklin Templeton Multi-Factor Large Cap Equity Fund - Standard Class LVIP Franklin Templeton Multi-Factor SMID Cap Equity Fund - Standard Class LVIP Global Aggressive Growth Allocation Managed Risk Fund - Standard Class LVIP Global Conservative Allocation Managed Risk Fund - Standard Class LVIP Global Growth Allocation Managed Risk Fund - Standard Class LVIP Global Moderate Allocation Managed Risk Fund - Standard Class LVIP Government Money Market Fund - Standard Class LVIP JPMorgan Core Bond Fund - Standard Class LVIP JPMorgan High Yield Fund - Standard Class LVIP JPMorgan Mid Cap Value Fund - Standard Class LVIP JPMorgan Retirement Income Fund - Standard Class LVIP JPMorgan Short Duration Bond Fund - Standard Class LVIP JPMorgan Small Cap Core Fund - Standard Class LVIP JPMorgan US Equity Fund - Standard Class LVIP Mondrian International Value Fund - Standard Class LVIP Nomura Diversified Floating Rate Fund - Standard Class LVIP Nomura High Yield Fund - Standard Class LVIP Nomura SMID Cap Core Fund - Standard Class LVIP PIMCO Low Duration Bond Fund - Standard Class LVIP State Street Bond Index Fund - Standard Class LVIP State Street Conservative Index Allocation Fund - Standard Class LVIP State Street Emerging Markets Equity Index Fund - Standard Class LVIP State Street Global Tactical Allocation Managed Volatility Fund - Standard Class LVIP State Street International Index Fund - Standard Class LVIP State Street Mid-Cap Index Fund - Standard Class LVIP State Street Moderate Index Allocation Fund - Standard Class LVIP State Street Moderately Aggressive Index Allocation Fund - Standard Class LVIP State Street SP 500 Index Fund - Standard Class LVIP State Street Short-Term Bond Index Fund - Standard Class LVIP State Street Small-Cap Index Fund - Standard Class LVIP Structured Conservative Allocation Fund - Standard Class LVIP Structured Moderate Allocation Fund - Standard Class LVIP Structured Moderately Aggressive Allocation Fund - Standard Class LVIP U.S. Aggressive Growth Allocation Managed Risk Fund - Standard Class LVIP U.S. Growth Allocation Managed Risk Fund - Standard Class LVIP Vanguard Bond Allocation Fund - Standard Class LVIP Vanguard Domestic Equity ETF Fund - Standard Class LVIP Vanguard International Equity ETF Fund - Standard Class MFS® VIT Total Return Series - Initial Class Nomura VIP High Income Series - Standard Class Nomura VIP Mid Cap Growth Series - Standard Class Putnam VT George Putnam Balanced Fund - Class IA Putnam VT Large Cap Value Fund - Class IA Putnam VT Sustainable Future Fund - Class IA Putnam VT Sustainable Leaders Fund - Class IA TOPS® Balanced ETF Portfolio - Service Class Shares TOPS® Moderate ETF Portfolio - Service Class Shares Estate Lock Death Benefit Rider - Single Life Lincoln ProtectedPay and Estate Lock - Single Life Lincoln ProtectedPay Lifetime Income Suite - Single Life Lincoln ProtectedPay Lifetime Income Suite - Joint Life 4LATER Select Advantage - Joint Life i4LIFE Advantage Guaranteed Income Benefit (Managed Risk) - Single Life i4LIFE Advantage Guaranteed Income Benefit (Managed Risk) - Joint Life Previously Offered 1 Lincoln ProtectedPay and Estate Lock i4LIFE Advantage with the Highest Anniversary Death Benefit and i4LIFE Advantage Select Guaranteed Income Benefit Guarantee of Principal Death Benefit Lincoln ProtectedPay Select Core and Estate Lock Lincoln ProtectedPay Select Core Lincoln ProtectedPay Select Plus Lincoln ProtectedPay Select Max 4LATER Select Advantage i4LIFE Advantage Select Guaranteed Income Benefit i4Life Advantage Guaranteed Income Benefit Lincoln ProtectedPay Secure Core and Estate Lock Lincoln ProtectedPay Secure Max Lincoln ProtectedPay Secure Plus Lincoln ProtectedPay Secure Core Lincoln Lifetime Income Advantage 2.0 (Managed Risk) Lincoln Market Select Advantage Lincoln Max 6 Select Advantage Contract Value Death Benefit General Death Benefit Information Living Benefits Lincoln ProtectedPay Lifetime Income Suite Fixed Options Variable Option Risk Investment Requirements Risk Managed Volatility Fund Risk Withdrawal Risk (Illiquidity Risk) Transfer Risk Purchase Payment Risk Deduction of Advisory Fee Risk Election of Optional Benefit Risk Fee and Expense Risk Financial Strength and Claims-Paying Ability Risk Cybersecurity and Business Interuption Risk